Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Compass Federal Credit Union

Oswego, New YorkCredit UnionNew York Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation$15Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=account_research; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Returned Check or ACH for NSF.....................$25.00 Account Reconciliation....................................$15.00" · Source

Dormant Account Fee$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=dormant_account; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Deposit Item Returned......................................$15.00 Dormant Account Fee..............$5/Month after 1 Year" · Source

Early Christmas Club Withdrawal$5

$20 below the national median

Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=account_research; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Early Christmas Club Withdrawal......................$5.00 Account Research Per Hour.............................$15.00" · Source

Foreign Check Deposits Under$8

$17 below the national median

Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=account_research; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Foreign Check Deposits Under $2,500..............$8.00 Returned Mail Fee..............................................$1.00" · Source

Overdraft & NSFVerified

Courtesy Pay$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=overdraft; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Courtesy Pay.....................................................$25.00" · Source
Foreign Return Item$42Above the typical range ($25–$31 nationally)
$12 above the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=nsf; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Foreign Return Item.........................................$42.00 Fax or Copy Per Page.........................................$1.00" · Source
Returned Check or ACH for NSF$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=nsf; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Returned Check or ACH for NSF.....................$25.00 Account Reconciliation....................................$15.00" · Source

ATM & CardVerified

ATM TRANSACTIONS at Compass-owned ATM machines. 4.$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #7109. canonical_hint=atm_non_network; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="ATM TRANSACTIONS at Compass-owned ATM machines. / 4. FREE" · Source
Foreign ATM$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=atm_non_network; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="After (5) Free Withdrawals Per Month at any Foreign ATM................$1.00" · Source
Replacement Card Fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=card_replacement; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Replacement Card Fee.........................................................................$10.00" · Source
WITHDRAWALS per month on non-Compass ATM machines. 3.$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
per month · Knox read a free fee from Rosetta artifact #7109. canonical_hint=atm_non_network; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="WITHDRAWALS per month on non-Compass ATM machines. / 3. FREE" · Source

Wire TransfersVerified

Wire Transfers: Incoming - Domestic$5Within the typical range ($5–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=wire_domestic_incoming; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Incoming - Domestic...................$5.00" · Source
Wire Transfers: Incoming - Foreign$10Within the typical range ($10–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=wire_intl_incoming; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Incoming - Foreign....................$10.00" · Source
Wire Transfers: Outgoing - Domestic$15Below the typical range ($20–$25 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=wire_domestic_outgoing; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Outgoing - Domestic..................$15.00" · Source
Wire Transfers: Outgoing - Foreign$40Within the typical range ($40–$50 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=wire_intl_outgoing; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Outgoing - Foreign.....................$40.00" · Source

Check ServicesVerified

Cashier’s/Official Checks$2Below the typical range ($3–$6 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=cashiers_check; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Cashier’s/Official Checks...................................$2.00 Tax Levy/Garnishment/Restraining Notice......$20.00" · Source
Money Order$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=money_order; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Money Order.......................................................$1.00 Copy of Paid Official Check...............................$2.00" · Source
Stop Payment$10Below the typical range ($20–$30 nationally)
$15.50 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=stop_payment; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Stop Payment....................................................$10.00 Express Overnight Mail...........................Actual Cost" · Source

Cash & DepositVerified

Deposit Item Returned$15Within the typical range ($10–$25 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=deposited_item_return; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Deposit Item Returned......................................$15.00 Dormant Account Fee..............$5/Month after 1 Year" · Source

Account ServicesVerified

Tax Levy/Garnishment/Restraining Notice$20Below the typical range ($30–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=garnishment_levy; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Cashier’s/Official Checks...................................$2.00 Tax Levy/Garnishment/Restraining Notice......$20.00" · Source

Other FeesVerified

Foreign Check Deposits or More$13Above the typical range ($2–$5 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=document_reproduction; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Foreign Check Deposits $2,500 or More.........$13.00 Statement Copies................................................$1.00" · Source
Statement Copies$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=document_reproduction; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Foreign Check Deposits $2,500 or More.........$13.00 Statement Copies................................................$1.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$15Below the typical range ($17.50–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=account_research; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Returned Check or ACH for NSF.....................$25.00 Account Reconciliation....................................$15.00"	Source
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=dormant_account; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Deposit Item Returned......................................$15.00 Dormant Account Fee..............$5/Month after 1 Year"	Source
Early Christmas Club Withdrawal	$5Below the typical range ($17.50–$25 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=account_research; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Early Christmas Club Withdrawal......................$5.00 Account Research Per Hour.............................$15.00"	Source
Foreign Check Deposits Under	$8Below the typical range ($17.50–$25 nationally)	$17 below the national median	—	Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=account_research; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Foreign Check Deposits Under $2,500..............$8.00 Returned Mail Fee..............................................$1.00"	Source
Overdraft & NSFVerified
Courtesy Pay	$25Within the typical range ($25–$31 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=overdraft; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Courtesy Pay.....................................................$25.00"	Source
Foreign Return Item
ATM & CardVerified
ATM TRANSACTIONS at Compass-owned ATM machines. 4.	$0Below the typical range ($1–$2.50 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #7109. canonical_hint=atm_non_network; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="ATM TRANSACTIONS at Compass-owned ATM machines. / 4. FREE"	Source
Foreign ATM
Wire TransfersVerified
Wire Transfers: Incoming - Domestic	$5Within the typical range ($5–$15 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=wire_domestic_incoming; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Incoming - Domestic...................$5.00"	Source
Wire Transfers: Incoming - Foreign
Check ServicesVerified
Cashier’s/Official Checks	$2Below the typical range ($3–$6 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=cashiers_check; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Cashier’s/Official Checks...................................$2.00 Tax Levy/Garnishment/Restraining Notice......$20.00"	Source

Cash & DepositVerified
Deposit Item Returned	$15Within the typical range ($10–$25 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=deposited_item_return; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Deposit Item Returned......................................$15.00 Dormant Account Fee..............$5/Month after 1 Year"	Source
Account ServicesVerified
Tax Levy/Garnishment/Restraining Notice	$20Below the typical range ($30–$75 nationally)	$30 below the national median	—	Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=garnishment_levy; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Cashier’s/Official Checks...................................$2.00 Tax Levy/Garnishment/Restraining Notice......$20.00"	Source
Other FeesVerified
Foreign Check Deposits or More	$13Above the typical range ($2–$5 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #7109. canonical_hint=document_reproduction; text_hash=e46163f348aa82233ba39bd951799f03df8c5f76ccf43128e83d16ccd6d27cac; excerpt="Foreign Check Deposits $2,500 or More.........$13.00 Statement Copies................................................$1.00"	Source

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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

17% below the national median overdraft fee

Total fees: 22 — leaner than most institutions

Headline fees published

10 of 15

Published fees

Under review

Assets

$101.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$101.5M

Total deposits

$85.0M

Service charge income (year to date)

$131K

Fee income ratio

4.5%

Return on assets

1.22%

Financial profile · Pro

Performance from regulator filings

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

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