Gates Chili Federal Credit Union

Headquarters: Rochester, New York
Charter: Credit Union
Assets: $30.4M
Fed district: New York

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

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

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

NSF / Returned Item
Gates Chili Federal Credit Union: $25
Gates Chili Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Gates Chili Federal Credit Union: $25
Gates Chili Federal Credit Union: $25
U.S. median: no median
Stop Payment
Gates Chili Federal Credit Union: $25
Gates Chili Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 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 Gates Chili Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactivity/Dormant Fee – No activity for 24 months$10
per month
Hourly Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned mail/bad address fee$10

Overdraft & NSF

Insufficient funds fee$25
per item
Returned check fee$25

Wire Transfers

Domestic Wire Fee$25
per item
International Wire Fee$50
per item

Check Services

First check order for a new checking account (30 checks)No charge
one time
Stop payment (Check or ACH)$25
per item
Non-member check cashing fee$10
Cleared Check CopyNo charge
per item

Digital & Electronic

MessagePay ACH FeeNo charge
per item

Lending Fees

Loan Late fee$25
Visa Credit Card Late fee$25

Other Fees

Lien Release Replacement$10
Skip-A-Pay fee$25

Fee	Amount	Basis	Note
Account Maintenance
Inactivity/Dormant Fee – No activity for 24 months	$10	per month	None
Hourly Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned mail/bad address fee	$10	Not stated	None
Overdraft & NSF
Insufficient funds fee	$25	per item	None
Returned check fee	$25	Not stated	None
Wire Transfers
Domestic Wire Fee	$25	per item	None
International Wire Fee	$50	per item	None
Check Services
First check order for a new checking account (30 checks)	No charge	one time	None
Stop payment (Check or ACH)	$25	per item	None
Non-member check cashing fee	$10	Not stated	None
Cleared Check Copy	No charge	per item	None
Digital & Electronic
MessagePay ACH Fee	No charge	per item	None
Lending Fees
Loan Late fee	$25	Not stated	None
Visa Credit Card Late fee	$25	Not stated	None
Other Fees
Lien Release Replacement	$10	Not stated	None
Skip-A-Pay fee	$25	Not stated	None

Correct a fee source

Oct 17, 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.

Fee change alerts

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