Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Spencerport Federal Credit Union

Spencerport, New YorkCredit UnionNew York Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Fee (per month)$5Within the typical range ($5–$10 nationally)

Wire TransfersVerified

Wire Transfer (incoming)$10Within the typical range ($5–$15 nationally)
At the national median
Source
Wire Transfer (outgoing)$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Copy of Item Deposited$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
SFCU Official Checks$5Within the typical range ($3–$5.50 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Fee (per month)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Early Account Closure Fee	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	—	Source
Escheatment Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Paper Statement Fee	$5Above the typical range ($2–$4.50 nationally)	$2 above the national median	—	—	Source
ATM & CardVerified
ATM Usage (First 10 transactions each month are free)	$1Within the typical range ($1–$2.50 nationally)	$0.95 below the national median	per month	—	Source
Wire TransfersVerified
Wire Transfer (incoming)	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Wire Transfer (outgoing)	$25
Check ServicesVerified
Copy of Item Deposited	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source
SFCU Official Checks	$5
Cash & DepositVerified
Returned Deposited/Cashed Check	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Lending FeesVerified
Visa Late Fee	$25Within the typical range ($11.06–$25 nationally)	$5 above the national median	—	—	Source
Other FeesVerified
Copy of Statement	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source

Fee change alerts

Get an email when Spencerport Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Spencerport Federal Credit Union? Request a report against local competitors

Headline fees published

6 of 15

Published fees

Under review

Assets

$43.1M

Work at Spencerport Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. Priced on request: we reply within one business day with scope and price.

Request the report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$43.1M

Total deposits

$39.0M

Service charge income (year to date)

$67K

Fee income ratio

6.0%

Return on assets

0.99%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 39,755 published fee entries from 2,777 institutions

See pricing