Suma Federal Credit Union

Headquarters: Yonkers, New York
Charter: Credit Union
Assets: $468.3M
Fed district: New York

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

Source: its fee schedule, read Nov 1, 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
Suma Federal Credit Union: $20
Suma Federal Credit Union: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $35, the middle of its prices
Suma Federal Credit Union: $20 to $50
Suma Federal Credit Union: $20 to $50
U.S. median: no median
Stop Payment
Suma Federal Credit Union: $20
Suma Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Suma Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Money Market Minimum Balance Fee (per month)$10
per month
Regular share account closed within six months of opening$25
Dormant / Inactive Account Fee (after 3 years)$15
Not compared: Annual charge, not monthly
per year
Escheatment$100
Account Research (Check Reconciliation, research of paid checks, etc.)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail - Outdated Address / Address Unknown$5

Overdraft & NSF

Non Sufficient Funds Item (Member Share Drafts / ACH / Debit Cards)$20
Overdraft Transfer (transfers from shares)$5

Wire Transfers

Outgoing Wire Transfer (from $25,000.00 and up)$50
Outgoing Wire Transfer (from $500.01 to $24,999.99)$35
Outgoing Wire Transfer (up to $500.00)$20

Check Services

Bank Check$25
Stop Payment: Member Share Draft$20
Non-Member Check Cashing Fee (On-Us Only) (audience not stated, treated as personal)1%($10 minimum)
Foreign Check Processing$20

Account Services

Safe Deposit Box 10" x 10" x 21" (audience not stated, treated as personal)$140
Safe Deposit Box 3" x 10" x 21" (audience not stated, treated as personal)$65
Safe Deposit Box 3" x 5" x 21" (audience not stated, treated as personal)$34
per year
Safe Deposit Box 5" x 10" x 21" (audience not stated, treated as personal)$90
Safe Deposit Box 5" x 5" x 21" (audience not stated, treated as personal)$60
Legal Notices Processing (Tax / Levy / Garnishments)$50
Immigration / Verification of Deposits & Other Letters$15

Lending Fees

Credit Card Late Payment$20

Fee	Amount	Basis	Note
Account Maintenance
Money Market Minimum Balance Fee (per month)	$10	per month	None
Regular share account closed within six months of opening	$25	Not stated	None
Dormant / Inactive Account Fee (after 3 years)	$15Not compared: Annual charge, not monthly	per year	None
Escheatment	$100	Not stated	None
Account Research (Check Reconciliation, research of paid checks, etc.)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail - Outdated Address / Address Unknown	$5	Not stated	None
Overdraft & NSF
Non Sufficient Funds Item (Member Share Drafts / ACH / Debit Cards)	$20	Not stated	None
Overdraft Transfer (transfers from shares)	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer (from $25,000.00 and up)	$50	Not stated	None
Outgoing Wire Transfer (from $500.01 to $24,999.99)	$35	Not stated	None
Outgoing Wire Transfer (up to $500.00)	$20	Not stated	None
Check Services
Bank Check	$25	Not stated	None
Stop Payment: Member Share Draft	$20	Not stated	None
Non-Member Check Cashing Fee (On-Us Only) (audience not stated, treated as personal)	1%($10 minimum)	Not stated	None
Foreign Check Processing	$20	Not stated	None
Account Services
Safe Deposit Box 10" x 10" x 21" (audience not stated, treated as personal)	$140	Not stated	None
Safe Deposit Box 3" x 10" x 21" (audience not stated, treated as personal)	$65	Not stated	None
Safe Deposit Box 3" x 5" x 21" (audience not stated, treated as personal)	$34	per year	None
Safe Deposit Box 5" x 10" x 21" (audience not stated, treated as personal)	$90	Not stated	None
Safe Deposit Box 5" x 5" x 21" (audience not stated, treated as personal)	$60	Not stated	None
Legal Notices Processing (Tax / Levy / Garnishments)	$50	Not stated	None
Immigration / Verification of Deposits & Other Letters	$15	Not stated	None
Lending Fees
Credit Card Late Payment	$20	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

Nov 1, 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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