vs. U.S. typical range:LowerTypicalHigher
$5 above the national median$0.50 above the New York median
per month · Source
$7.50 above the national median$7.50 above the New York median
$7.50 below the national median$7.50 below the New York median
$5 below the national medianAt the New York median
per item · Institution’s schedule
$1.50 below the national median$1.50 below the New York median
per item · Institution’s schedule
$10 above the national median$10 above the New York median
per item · Source
At the national medianAt the New York median
per item · Institution’s schedule
At the national median$5 above the New York median
per item · Institution’s schedule
$1 below the national median$2 below the New York median
one time · Institution’s schedule
$2.50 below the national medianAt the New York median
per item · Institution’s schedule
$5 above the national median$5 above the New York median
$3 below the national median$5 below the New York median
per item · Institution’s schedule
$10 below the national median$5 below the New York median
per item · Institution’s schedule
$5 above the national medianAt the New York median
$27.50 below the national median$27.50 below the New York median
$12.50 below the national median$12.50 below the New York median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Inactivity/Dormant Fee – No activity for 24 months | $10Within the typical range ($5–$10 nationally) | $5 above the national median$0.50 above the New York median | per month | — | Source |
| Hourly Research Fee | $25Within the typical range ($11.38–$25 nationally) | $7.50 above the national median$7.50 above the New York median | — | — | Source |
| Returned mail/bad address fee | $10Below the typical range ($11.38–$25 nationally) | $7.50 below the national median$7.50 below the New York median | — | — | Source |
Overdraft & NSFVerified | |||||
| Insufficient funds fee | $25Within the typical range ($25–$32 nationally) | $5 below the national medianAt the New York median | per item | — | Institution’s schedule |
ATM & CardVerified | |||||
| Gates Chili FCU ATM | $0Below the typical range ($1–$2.25 nationally) | $1.50 below the national median$1.50 below the New York median | per item | — | Institution’s schedule |
| Visa Credit Card Rush order | $50 | ||||
Wire TransfersVerified | |||||
| Domestic Wire Fee | $25Within the typical range ($20–$25 nationally) | At the national medianAt the New York median | per item | — | Institution’s schedule |
| International Wire Fee | $50 | ||||
Check ServicesVerified | |||||
| First check order for a new checking account (30 checks) | $0Within the typical range ($0–$15 nationally) | $1 below the national median$2 below the New York median | one time | — | Institution’s schedule |
| Stop payment (Check or ACH) | $25 | ||||
Digital & ElectronicVerified | |||||
| MessagePay ACH Fee | $0Below the typical range ($5–$20 nationally) | $10 below the national median$5 below the New York median | per item | — | Institution’s schedule |
Lending FeesVerified | |||||
| Loan Late fee | $25Within the typical range ($10–$25 nationally) | $5 above the national medianAt the New York median | — | — | Source |
Other FeesVerified | |||||
| Lien Release Replacement | $10Below the typical range ($25–$100 nationally) | $27.50 below the national median$27.50 below the New York median | — | — | Source |
| Skip-A-Pay fee | $25 | ||||
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Headline fees published
5 of 15
Published fees
16
Under review
0
Assets
$30.4M
Work at Gates Chili Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$30.4M
Total deposits
$28.2M
Service charge income (year to date)
$10K
Fee income ratio
1.5%
Return on assets
0.51%
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $10 above the national median$10 above the New York median |
| per item |
| — |
| Source |
| At the national median$5 above the New York median |
| per item |
| — |
| Institution’s schedule |
| $2.50 below the national medianAt the New York median |
| per item |
| — |
| Institution’s schedule |
| Non-member check cashing fee | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the New York median | — | — | Source |
| Cleared Check Copy | $0Below the typical range ($2–$5 nationally) | $3 below the national median$5 below the New York median | per item | — | Institution’s schedule |
| $12.50 below the national median$12.50 below the New York median |
| — |
| — |
| Source |