Town Of Hempstead Employees Federal Credit Union

Headquarters: North Baldwin, New York
Charter: Credit Union
Assets: $149.4M
Fed district: New York

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

Monthly Maintenance
Town Of Hempstead Employees Federal Credit Union: No fee
Town Of Hempstead Employees Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Town Of Hempstead Employees Federal Credit Union: $25
Town Of Hempstead Employees Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Compared at $37.50, the middle of its prices
Town Of Hempstead Employees Federal Credit Union: $30 to $45
Town Of Hempstead Employees Federal Credit Union: $30 to $45
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 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 Town Of Hempstead Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee (audience not stated, treated as personal)No charge
per month
Monthly below minimum fee (below $500)$5
per month
Abandoned Property Fee$50
Account Reconciliation (per hour - 1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Vacation Club Excessive Withdrawals (Over 3 per Year)$5

Overdraft & NSF

Courtesy Pay Fee per item (audience not stated, treated as personal)$25
per item
Nonsufficient Funds for Authorized Bill Pay (audience not stated, treated as personal)$45
Nonsufficient Funds for Preauthorization Withdrawal (audience not stated, treated as personal)$30
Account Protection (Share/Loan Transfer) per transfer fee (audience not stated, treated as personal)$2
per item

ATM & Card

ATM Transactions: Withdrawals$1.25
Balance Inquiry$1.25
Replace Lost Visa Card$10
Replacement Card (Lost/Damaged)$10
Replacement Membership Card (Lost/Damaged)$5
Rush on any Plastic Card Order$75

Wire Transfers

Wire Transfer Fee (Outgoing)$35
Wire Transfer Fee (Incoming)$5

Check Services

Third Party Official Checks$5
Stop Payment of Credit Union Official Check$30
Stop Payment Order - Checks, ACH, or Zelle (audience not stated, treated as personal)$30
Stop Payment Order on a Bill Pay item (audience not stated, treated as personal)$45
Additional Starter or Temporary Checks (5) (audience not stated, treated as personal)$5
Collection Item Processing$20
Foreign Item Collection Fee$40
Copy of a Bill Payment Check (audience not stated, treated as personal)$5
Faxed Copy of a Paid Check (audience not stated, treated as personal)$5
Photocopy of a Paid Check Over 12 Months (audience not stated, treated as personal)$6
Photocopy of a Paid Check Under 12 Months (audience not stated, treated as personal)$3
Photocopy/Fax (other than drafts)$5

Digital & Electronic

Check/ACH Returned - Member Issued (audience not stated, treated as personal)$30
Bill Payment and Presentment (audience not stated, treated as personal)No charge
Verification of a Bill Payment (audience not stated, treated as personal)$5

Account Services

Notary PublicNo charge
Tax Levy Processing$30
Deposit Verifications (From Other Institutions)$10

Retirement & IRA

Outgoing IRA Trustee Transfer$25

Other Fees

Statement Copy/Account Balance Print Out (per month)$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee (audience not stated, treated as personal)	No charge	per month	None
Monthly below minimum fee (below $500)	$5	per month	None
Abandoned Property Fee	$50	Not stated	None
Account Reconciliation (per hour - 1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Vacation Club Excessive Withdrawals (Over 3 per Year)	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee per item (audience not stated, treated as personal)	$25	per item	None
Nonsufficient Funds for Authorized Bill Pay (audience not stated, treated as personal)	$45	Not stated	None
Nonsufficient Funds for Preauthorization Withdrawal (audience not stated, treated as personal)	$30	Not stated	None
Account Protection (Share/Loan Transfer) per transfer fee (audience not stated, treated as personal)	$2	per item	None
ATM & Card
ATM Transactions: Withdrawals	$1.25	Not stated	None
Balance Inquiry	$1.25	Not stated	None
Replace Lost Visa Card	$10	Not stated	None
Replacement Card (Lost/Damaged)	$10	Not stated	None
Replacement Membership Card (Lost/Damaged)	$5	Not stated	None
Rush on any Plastic Card Order	$75	Not stated	None
Wire Transfers
Wire Transfer Fee (Outgoing)	$35	Not stated	None
Wire Transfer Fee (Incoming)	$5	Not stated	None
Check Services
Third Party Official Checks	$5	Not stated	None
Stop Payment of Credit Union Official Check	$30	Not stated	None
Stop Payment Order - Checks, ACH, or Zelle (audience not stated, treated as personal)	$30	Not stated	None
Stop Payment Order on a Bill Pay item (audience not stated, treated as personal)	$45	Not stated	None
Additional Starter or Temporary Checks (5) (audience not stated, treated as personal)	$5	Not stated	None
Collection Item Processing	$20	Not stated	None
Foreign Item Collection Fee	$40	Not stated	None
Copy of a Bill Payment Check (audience not stated, treated as personal)	$5	Not stated	None
Faxed Copy of a Paid Check (audience not stated, treated as personal)	$5	Not stated	None
Photocopy of a Paid Check Over 12 Months (audience not stated, treated as personal)	$6	Not stated	None
Photocopy of a Paid Check Under 12 Months (audience not stated, treated as personal)	$3	Not stated	None
Photocopy/Fax (other than drafts)	$5	Not stated	None
Digital & Electronic
Check/ACH Returned - Member Issued (audience not stated, treated as personal)	$30	Not stated	None
Bill Payment and Presentment (audience not stated, treated as personal)	No charge	Not stated	None
Verification of a Bill Payment (audience not stated, treated as personal)	$5	Not stated	None
Account Services
Notary Public	No charge	Not stated	None
Tax Levy Processing	$30	Not stated	None
Deposit Verifications (From Other Institutions)	$10	Not stated	None
Retirement & IRA
Outgoing IRA Trustee Transfer	$25	Not stated	None
Other Fees
Statement Copy/Account Balance Print Out (per month)	$5Not compared: Monthly charge, not per item	per month	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 19, 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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