St. Pius X Church Federal Credit Union

Headquarters: Rochester, New York
Charter: Credit Union
Assets: $97.5M
Fed district: New York

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Overdraft (OD)
St. Pius X Church Federal Credit Union: $29
St. Pius X Church Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
St. Pius X Church Federal Credit Union: $29
St. Pius X Church Federal Credit Union: $29
U.S. median: no median
Non-Network ATM
St. Pius X Church Federal Credit Union: $2.50
St. Pius X Church Federal Credit Union: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 St. Pius X Church Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure Fee (180 days of account opening)$10
Escheatment Fee$20
Inactive Account Fee - No activity for any account within a 24-month period$15
per month
Mail Returned from Post Office/ Returned Mail Fee$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee$29
per item
Insufficient Funds Charge (NSF)$29
per item
Insufficient Funds (NSF) Transfer from Share Account/ OD Protection Tran Fee$5
per item

ATM & Card

ATM Withdrawals at Non-SPXFCU ATMs$2.50
per transaction
Plastic Card Replacement Fee (ATM/Debit/Visa)$10
per item
Expedited Debit/Credit Card Fee to Member - Domestic$30
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction
per transaction

Wire Transfers

Wire Transfer Fee - Outgoing Domestic$35
per item
Wire Transfer Fee - Outgoing International$50
per item

Check Services

Official Bank Check Fee$2
per item
Stop Payment Fee$5
per item
Check Cashing Fee, non-members$5

Lending Fees

Loan Late Fee/ Late Charge Assessment$29
Not compared: Monthly charge, not per item
per month
Visa Credit Card Late Charge$29
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee (180 days of account opening)	$10	Not stated	None
Escheatment Fee	$20	Not stated	None
Inactive Account Fee - No activity for any account within a 24-month period	$15	per month	None
Mail Returned from Post Office/ Returned Mail Fee	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee	$29	per item	None
Insufficient Funds Charge (NSF)	$29	per item	None
Insufficient Funds (NSF) Transfer from Share Account/ OD Protection Tran Fee	$5	per item	None
ATM & Card
ATM Withdrawals at Non-SPXFCU ATMs	$2.50	per transaction	None
Plastic Card Replacement Fee (ATM/Debit/Visa)	$10	per item	None
Expedited Debit/Credit Card Fee to Member - Domestic	$30	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer Fee - Outgoing Domestic	$35	per item	None
Wire Transfer Fee - Outgoing International	$50	per item	None
Check Services
Official Bank Check Fee	$2	per item	None
Stop Payment Fee	$5	per item	None
Check Cashing Fee, non-members	$5	Not stated	None
Lending Fees
Loan Late Fee/ Late Charge Assessment	$29Not compared: Monthly charge, not per item	per month	None
Visa Credit Card Late Charge	$29Not compared: Monthly charge, not per item	per month	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

Oct 5, 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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