Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $300M to $1B

Sea Comm Federal Credit Union

Massena, New YorkCredit UnionNew York Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closure$20Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=early_closure; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Account Closure | $20.00 if closed within 30 days of opening" · Source

Account Reconciliation$20

At the national median

Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=account_research; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Account Reconciliation | $20.00/Hour" · Source

Account Research$10

$10 below the national median

Inactive Account$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=dormant_account; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Inactive Account | $5.00/Month - after 1 year" · Source

Overdraft & NSFVerified

NSF$25Within the typical range ($25–$32 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=nsf; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="NSF | $25.00/Item" · Source
Overdraft Privilege$25Within the typical range ($20–$30 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=overdraft; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Overdraft Privilege | $25.00" · Source

ATM & CardVerified

ATM Fee for Foreign Card Use$3Within the typical range ($1–$3 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=atm_non_network; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="ATM Fee for Foreign Card Use | $3.00" · Source

Wire TransfersVerified

Wire Transfer - Outgoing$25Within the typical range ($20–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=wire_domestic_outgoing; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Wire Transfer - Outgoing | $25.00/Transfer" · Source

Check ServicesVerified

Money Order$3Within the typical range ($2–$3.50 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=money_order; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Money Order | $3.00" · Source
Money Order$2Within the typical range ($2–$3.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=money_order; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Money Order | $2.00" · Source
Official Check$3Within the typical range ($3–$6 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=cashiers_check; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Official Check | $3.00" · Source
Official Check$2Below the typical range ($3–$6 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=cashiers_check; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Official Check | $2.00" · Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=stop_payment; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Stop Payment | $25.00/Request" · Source

Cash & DepositVerified

Deposited Item Return$25Within the typical range ($9.50–$25 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=deposited_item_return; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Deposited Item Return** | $25.00/Item" · Source

Account ServicesVerified

Legal Restraining Notice/Levy$50Within the typical range ($25–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=garnishment_levy; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Legal Restraining Notice/Levy | $50.00" · Source

Lending FeesVerified

Loan Modification Fee$100Above the typical range ($25–$50 nationally)
$65 above the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=loan_origination; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Loan Modification Fee | $100.00" · Source

Gift & Prepaid CardsVerified

CU Money Visa® Reloadable Card$2.50Below the typical range ($3.50–$7 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=prepaid_card_reload; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="CU Money Visa® Reloadable Card | $2.50 (reload fee of $0.50)" · Source
Visa® Gift Card$5Above the typical range ($3–$4.95 nationally)
$1.37 above the national median
Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=gift_card_purchase; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Visa® Gift Card | $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closure	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=early_closure; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Account Closure \| $20.00 if closed within 30 days of opening"	Source
Account Reconciliation	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=account_research; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Account Reconciliation \| $20.00/Hour"	Source
Account Research	$10Below the typical range ($15–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=account_research; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Account Research \| $10.00/Hour"	Source
Inactive Account	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=dormant_account; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Inactive Account \| $5.00/Month - after 1 year"	Source
Overdraft & NSFVerified
NSF	$25Within the typical range ($25–$32 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=nsf; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="NSF \| $25.00/Item"	Source
Overdraft Privilege	$25
ATM & CardVerified
ATM Fee for Foreign Card Use	$3Within the typical range ($1–$3 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=atm_non_network; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="ATM Fee for Foreign Card Use \| $3.00"	Source
Wire TransfersVerified
Wire Transfer - Outgoing	$25Within the typical range ($20–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=wire_domestic_outgoing; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Wire Transfer - Outgoing \| $25.00/Transfer"	Source
Check ServicesVerified
Money Order	$3Within the typical range ($2–$3.50 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=money_order; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Money Order \| $3.00"	Source
Money Order	$2
Cash & DepositVerified
Deposited Item Return	$25Within the typical range ($9.50–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=deposited_item_return; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Deposited Item Return** \| $25.00/Item"	Source
Account ServicesVerified
Legal Restraining Notice/Levy	$50Within the typical range ($25–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=garnishment_levy; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Legal Restraining Notice/Levy \| $50.00"	Source
Lending FeesVerified
Loan Modification Fee	$100Above the typical range ($25–$50 nationally)	$65 above the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=loan_origination; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="Loan Modification Fee \| $100.00"	Source
Gift & Prepaid CardsVerified
CU Money Visa® Reloadable Card	$2.50Below the typical range ($3.50–$7 nationally)	$2.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #3207. canonical_hint=prepaid_card_reload; text_hash=110bd02314d2cf456bbbde9a71f9bb2e2e0c0319d4eba2bb0982ea9407cbcd8c; excerpt="CU Money Visa® Reloadable Card \| $2.50 (reload fee of $0.50)"	Source
Visa® Gift Card

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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

$25

Overdraft fee: $25

11% below the national median overdraft fee

Total fees: 18 — leaner than most institutions

Verified fees

Under review

Assets

$777.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$777.3M

Total deposits

$651.4M

Service charge income (year to date)

$2.4M

Fee income ratio

10.5%

Return on assets

1.42%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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