Spencerport Federal Credit Union

Headquarters: Spencerport, New York
Charter: Credit Union
Assets: $43.1M
Fed district: New York

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Non-Network ATM
Spencerport Federal Credit Union: $1
Spencerport Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Spencerport Federal Credit Union: $25
Spencerport Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic In)
Spencerport Federal Credit Union: $10
Spencerport Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Spencerport Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Below Minimum Balance on Share (per month)$5
per month
Early Account Closure Fee$20
Dormant Fee (per month)$5
per month
Escheatment Fee$25
Paper Statement Fee$5
Returned Mail from Post Office (audience not stated, treated as personal)$5

ATM & Card

ATM Usage (First 10 transactions each month are free)$1
per item

Wire Transfers

Wire Transfer (outgoing) (audience not stated, treated as personal)$25
Wire Transfer (incoming) (audience not stated, treated as personal)$10

Check Services

SFCU Official Checks$5
Canadian Check Collection (audience not stated, treated as personal)$10
Copy of Item Deposited$5
Copy of Share Draft (if less than 6 months old)$2

Cash & Deposit

Returned Deposited/Cashed Check$25

Lending Fees

Consumer Loan Late Fee (after 10 days)$25
Real Estate Loan Late Fee (after 10 days) (audience not stated, treated as personal)2%
Visa Late Fee (audience not stated, treated as personal)$25

Other Fees

Copy of Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance on Share (per month)	$5	per month	None
Early Account Closure Fee	$20	Not stated	None
Dormant Fee (per month)	$5	per month	None
Escheatment Fee	$25	Not stated	None
Paper Statement Fee	$5	Not stated	None
Returned Mail from Post Office (audience not stated, treated as personal)	$5	Not stated	None
ATM & Card
ATM Usage (First 10 transactions each month are free)	$1	per item	None
Wire Transfers
Wire Transfer (outgoing) (audience not stated, treated as personal)	$25	Not stated	None
Wire Transfer (incoming) (audience not stated, treated as personal)	$10	Not stated	None
Check Services
SFCU Official Checks	$5	Not stated	None
Canadian Check Collection (audience not stated, treated as personal)	$10	Not stated	None
Copy of Item Deposited	$5	Not stated	None
Copy of Share Draft (if less than 6 months old)	$2	Not stated	None
Cash & Deposit
Returned Deposited/Cashed Check	$25	Not stated	None
Lending Fees
Consumer Loan Late Fee (after 10 days)	$25	Not stated	None
Real Estate Loan Late Fee (after 10 days) (audience not stated, treated as personal)	2%	Not stated	None
Visa Late Fee (audience not stated, treated as personal)	$25	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 5, 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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