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, $300M to $1B

Ocean Financial Federal Credit Union

Oceanside, New YorkCredit UnionNew York Fed districtFees collected Oct 4, 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 Research/Reconciliation$0Below the typical range ($17.50–$25 nationally)

Knox read a free fee from Rosetta artifact #3188. canonical_hint=account_research; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Account Research/Reconciliation Fee Amount FREE" · Source

Overdraft & NSFVerified

Standard Overdraft Fee$28Within the typical range ($25–$31 nationally)
$2 below the national median
per item · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=overdraft; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Standard Overdraft Fee Fee Amount $28.00" · Source

ATM & CardVerified

ATM 10$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #3188. canonical_hint=atm_non_network; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="at branch ATM / 10 FREE" · Source
ATM Withdrawal$1.75Within the typical range ($1–$2.50 nationally)
$0.25 above the national median
per transaction · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=atm_non_network; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="$1.75 each transaction afterward" · Source

Wire TransfersVerified

Wire - In$5Within the typical range ($5–$15 nationally)
$5 below the national median
per transaction · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=wire_domestic_incoming; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Wire - In Fee Amount $5.00" · Source

Check ServicesVerified

Stop Payment$25Within the typical range ($20–$30 nationally)
$0.50 below the national median
per item · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=stop_payment; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Stop Payment Fee Amount $25.00" · Source

Digital & ElectronicVerified

Bill Pay$0Within the typical range ($0–$11.29 nationally)
$4.97 below the national median
Knox read a free fee from Rosetta artifact #3188. canonical_hint=bill_pay; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Bill Pay Fee Amount FREE" · Source

Cash & DepositVerified

Returned deposit$15Within the typical range ($10–$25 nationally)
At the national median
Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=deposited_item_return; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Returned deposit Fee Amount $15.00" · Source

Account ServicesVerified

10X10X18$150Above the typical range ($25–$77.50 nationally)
$105 above the national median
Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=safe_deposit_box; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="10X10X18 Fee Amount $150.00" · Source
3X5X18$30Within the typical range ($25–$77.50 nationally)
$15 below the national median
Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=safe_deposit_box; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="3X5X18 Fee Amount $30.00" · Source
5X10X18$80Above the typical range ($25–$77.50 nationally)
$35 above the national median
Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=safe_deposit_box; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="5X10X18 Fee Amount $80.00" · Source
5X5X18$40Within the typical range ($25–$77.50 nationally)
$5 below the national median
Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=safe_deposit_box; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="5X5X18 Fee Amount $40.00" · Source

Other FeesVerified

Statement copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=document_reproduction; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Statement copy Fee Amount $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/Reconciliation	$0Below the typical range ($17.50–$25 nationally)	$25 below the national median	—	Knox read a free fee from Rosetta artifact #3188. canonical_hint=account_research; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Account Research/Reconciliation Fee Amount FREE"	Source
Overdraft & NSFVerified
Standard Overdraft Fee	$28Within the typical range ($25–$31 nationally)	$2 below the national median	per item	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=overdraft; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Standard Overdraft Fee Fee Amount $28.00"	Source
ATM & CardVerified
ATM 10	$0Below the typical range ($1–$2.50 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #3188. canonical_hint=atm_non_network; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="at branch ATM / 10 FREE"	Source
ATM Withdrawal	$1.75
Wire TransfersVerified
Wire - In	$5Within the typical range ($5–$15 nationally)	$5 below the national median	per transaction	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=wire_domestic_incoming; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Wire - In Fee Amount $5.00"	Source
Check ServicesVerified
Stop Payment	$25Within the typical range ($20–$30 nationally)	$0.50 below the national median	per item	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=stop_payment; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Stop Payment Fee Amount $25.00"	Source
Digital & ElectronicVerified
Bill Pay	$0Within the typical range ($0–$11.29 nationally)	$4.97 below the national median	—	Knox read a free fee from Rosetta artifact #3188. canonical_hint=bill_pay; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Bill Pay Fee Amount FREE"	Source
Cash & DepositVerified
Returned deposit	$15Within the typical range ($10–$25 nationally)	At the national median	—	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=deposited_item_return; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Returned deposit Fee Amount $15.00"	Source
Account ServicesVerified
10X10X18	$150Above the typical range ($25–$77.50 nationally)	$105 above the national median	—	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=safe_deposit_box; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="10X10X18 Fee Amount $150.00"	Source
3X5X18
Other FeesVerified
Statement copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #3188. canonical_hint=document_reproduction; text_hash=c42652d00813353c597ef1c3ae12b9913d4147f0d52953d502384a6f518f23c1; excerpt="Statement copy Fee Amount $5.00"	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

$28

Overdraft fee: $28

7% below the national median overdraft fee

Total fees: 13 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$403.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$403.3M

Total deposits

$377.7M

Service charge income (year to date)

$205K

Fee income ratio

2.1%

Return on assets

0.12%

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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