VerifiedCommunity credit union, under $300M

Circuit Federal Credit Union

Cheektowaga, New YorkCredit UnionNew York district

Fee schedule collected Feb 17, 2026 · Financials as of Q1 2026

Website Published fee schedule

Verified fees

Under review

Assets

$11.6M

Fee benchmark score

Not scored

Financials as of

Q1 2026

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

21% above the national median overdraft fee

Total fees: 16 — leaner than most institutions

Fee Schedule

Published fees

Verified fees power benchmarks; fees under review do not.

Account MaintenanceVerified

Returned Mail Fee$10
per item · Source

Fee	Amount	Basis	Note	Source
Account MaintenanceVerified
Returned Mail Fee	$10	per item	—	Source
Overdraft & NSFVerified
Paid NSF Fee	$35	per item	—	Source
Returned NSF Fee	$35	per item	—	Source
ATM & CardVerified
ATM Debit Card (duplicate)	$10	per item	—	Source
ATM Debit Card Activation Fee	$1	per item	—	Source
ATM PIN Mailer (duplicate)	$10
Wire TransfersVerified
Domestic Wire Transfer Fee	$40	per item	—	Source
Check ServicesVerified
Bank Check (third party)	$2	per item	—	Source
Check Cashing Fee for Non-Members	$10	per item	—	Source
Draft Copies	$5
Digital & ElectronicVerified
ACH Manual Post Fee	$5	per item	—	Source
Cash & DepositVerified
Deposit Returned	$35	per item	—	Source
Account ServicesVerified
Duplicate Lien Release/Discharge of Mortgage	$40	per item	—	Source
Lending FeesVerified
Loan Late Fee	$35	per item	after 5 day grace period	Source

How the headline fees compare

Published fees

Size and fee revenue