Circuit Federal Credit Union

Headquarters: Cheektowaga, New York
Charter: Credit Union
Assets: $11.5M
Fed district: New York

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Circuit Federal Credit Union: $35
Circuit Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Circuit Federal Credit Union: $35
Circuit Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Circuit Federal Credit Union: $1
Circuit Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Circuit Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee$35
per item
Paid NSF Fee$35
per item
Returned NSF Fee$35
per item

ATM & Card

Nonproprietary ATM withdrawal$1
per item
ATM Debit Card (duplicate)$10
per item

Wire Transfers

Domestic Wire Transfer Fee$40
per item

Check Services

Bank Check (third party)$2
per item
Stop Payment Fee$35
per item
Check Cashing Fee for Non-Members$10
per item
Draft Copies$5
per item

Digital & Electronic

ACH Manual Post Fee$5
per item

Cash & Deposit

Deposit Returned$35
per item

Lending Fees

Loan late fee after 5 day grace period$35

Other Fees

Duplicate Lien Release/ Discharge of Mortg$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee	$35	per item	None
Paid NSF Fee	$35	per item	None
Returned NSF Fee	$35	per item	None
ATM & Card
Nonproprietary ATM withdrawal	$1	per item	None
ATM Debit Card (duplicate)	$10	per item	None
Wire Transfers
Domestic Wire Transfer Fee	$40	per item	None
Check Services
Bank Check (third party)	$2	per item	None
Stop Payment Fee	$35	per item	None
Check Cashing Fee for Non-Members	$10	per item	None
Draft Copies	$5	per item	None
Digital & Electronic
ACH Manual Post Fee	$5	per item	None
Cash & Deposit
Deposit Returned	$35	per item	None
Lending Fees
Loan late fee after 5 day grace period	$35	Not stated	None
Other Fees
Duplicate Lien Release/ Discharge of Mortg	$20	per item	None

Correct a fee source

Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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