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

St. Pius X Church Federal Credit Union

Rochester, New YorkCredit UnionNew York Fed districtFees collected Oct 5, 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

Early Account Closure Fee (180 days of account opening)$10Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee$29Within the typical range ($25–$32 nationally)
$1 below the national median
per item · Source
Insufficient Funds Charge (NSF)$29Within the typical range ($25–$31 nationally)
$1 below the national median
per item · Source

ATM & CardVerified

ATM Withdrawals at Non-SPXFCU ATMs$2.50Within the typical range ($1–$2.50 nationally)
$0.75 above the national median
per transaction · Source
Plastic Card Replacement Fee (ATM/Debit/Visa)$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Wire Transfer Fee - Outgoing Domestic$35Above the typical range ($20–$25 nationally)
$10 above the national median
Source
Wire Transfer Fee - Outgoing International$50Within the typical range ($40–$50 nationally)
At the national median
Source

Check ServicesVerified

Check Cashing Fee, non-members$5Within the typical range ($5–$10 nationally)
At the national median
Source
Official Bank Check Fee$2Below the typical range ($3–$5.50 nationally)
$3 below the national median
per item · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Early Account Closure Fee (180 days of account opening)	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Escheatment Fee	$20Above the typical range ($5–$10 nationally)	$15 above the national median	—	—	Source
Inactive Account Fee - No activity for any account within a 24-month period	$15Above the typical range ($5–$10 nationally)	$10 above the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$29Within the typical range ($25–$32 nationally)	$1 below the national median	per item	—	Source
Insufficient Funds Charge (NSF)	$29
ATM & CardVerified
ATM Withdrawals at Non-SPXFCU ATMs	$2.50Within the typical range ($1–$2.50 nationally)	$0.75 above the national median	per transaction	—	Source
Plastic Card Replacement Fee (ATM/Debit/Visa)	$10
Wire TransfersVerified
Wire Transfer Fee - Outgoing Domestic	$35Above the typical range ($20–$25 nationally)	$10 above the national median	—	—	Source
Wire Transfer Fee - Outgoing International	$50
Check ServicesVerified
Check Cashing Fee, non-members	$5Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Official Bank Check Fee	$2
Lending FeesVerified
Loan Late Fee/ Late Charge Assessment	$29Above the typical range ($15–$25 nationally)	$8 above the national median	per month	—	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

$29

Overdraft fee: $29

Overdraft fee is aligned with the national median

Total fees: 12 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$97.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$97.5M

Total deposits

$87.9M

Service charge income (year to date)

$87K

Fee income ratio

3.4%

Return on assets

0.35%

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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Based on 34,850 published fee entries from 2,498 institutions

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