Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Twin Rivers Federal Credit Union

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

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$10Below the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=account_research; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Account Research | $10.00 per hour" · Source

Dormant Account Fee$10

$5 above the national median

per month · Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=dormant_account; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Dormant Account Fee | $10.00 per month (after 1 yr)" · Source

Paper Statement (with home banking)$3

At the national median

Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=paper_statement; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Paper Statement (with home banking) | $3.00" · Source

Returned Mail / Incorrect Address$5

$15 below the national median

per item · Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=account_research; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Returned Mail / Incorrect Address | $5.00 per item" · Source

Overdraft & NSFVerified

(Courtesy Pay)$10Below the typical range ($20–$30 nationally)
$19 below the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=overdraft; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Paid NSF Item < $30 (Courtesy Pay) | $10.00 each" · Source
(Courtesy Pay)$30Within the typical range ($20–$30 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=overdraft; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Paid NSF Item > $30 (Courtesy Pay) | $30.00 each" · Source
Returned Check / ACH / EFT due to NSF$30Within the typical range ($25–$32 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=nsf; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Returned Check / ACH / EFT due to NSF | $30.00 each" · Source
Returned Payment Fee$20Below the typical range ($25–$32 nationally)
$9 below the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=nsf; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Returned Payment Fee | $20.00" · Source

ATM & CardVerified

ATM Withdrawal (first 4 free)$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=atm_non_network; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="ATM Withdrawal (first 4 free) | $1.00 each" · Source
Foreign Card Use @ Twin Rivers FCU ATM$3Within the typical range ($1–$3 nationally)
$1.50 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=atm_non_network; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Foreign Card Use @ Twin Rivers FCU ATM | $3.00 each transaction" · Source
Visa Card (rush order 3 - 4 days)$50Within the typical range ($30–$50 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=rush_card; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Visa Card (rush order 3 - 4 days) | $50.00" · Source
Visa Credit Card Replacement$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=card_replacement; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Visa Credit Card Replacement | $15.00" · Source
Visa PIN Number Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=card_replacement; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Visa PIN Number Replacement | $5.00" · Source

Wire TransfersVerified

Incoming Wire Fee$10Within the typical range ($7.50–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=wire_domestic_incoming; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Incoming Wire Fee | $10.00" · Source

Check ServicesVerified

Check Cashing Fee (non-member cashed by member)$15Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=check_cashing; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Check Cashing Fee (non-member cashed by member) | $15.00" · Source
Copy of Money Order$5Above the typical range ($2–$3.50 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=money_order; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Copy of Money Order | $5.00" · Source
Counter Checks$2Within the typical range ($1–$4 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=counter_check; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Counter Checks | $2.00 sheet of 4" · Source
Credit Union Cashier's Check$3Within the typical range ($3–$6 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=cashiers_check; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Credit Union Cashier's Check | $3.00" · Source
Money Order$3Within the typical range ($2–$3.50 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=money_order; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Money Order | $3.00" · Source
Stop Payment (Includes ACH, Checks (Personal or Bill Pay), Visa and$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=stop_payment; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Stop Payment (Includes ACH, Checks (Personal or Bill Pay), Visa and | $25.00 single check" · Source
Stop Payment (Stale dated checks and money orders)$30Within the typical range ($20–$30 nationally)
$3 above the national median
per item · Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=stop_payment; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Stop Payment (Stale dated checks and money orders) | $30.00 per item" · Source

Cash & DepositVerified

Member Deposited Item Returned (Canadian)$40Above the typical range ($9.75–$25 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=deposited_item_return; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Member Deposited Item Returned (Canadian) | $40.00 each" · Source
Member Deposited Item Returned (U.S.)$30Above the typical range ($9.75–$25 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=deposited_item_return; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Member Deposited Item Returned (U.S.) | $30.00 each" · Source

Account ServicesVerified

Legal Action Compliance (tax levies, orders, subpeonas, etc.)$50Within the typical range ($25–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=garnishment_levy; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Legal Action Compliance (tax levies, orders, subpeonas, etc.) | $50.00" · Source

Lending FeesVerified

Loan Late Fee (Consumer and Residential)$15Within the typical range ($15–$27 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=late_payment; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Loan Late Fee (Consumer and Residential) | $15.00" · Source
Skip a Payment (available 1 time per calendar year 1/1 – 12/31)$35Above the typical range ($15–$27 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=late_payment; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Skip a Payment (available 1 time per calendar year 1/1 – 12/31) | $35.00 per loan" · Source

Other FeesVerified

Monthly Quarterly Statement Reprint$5Within the typical range ($2–$5 nationally)
$2 above the national median
per month · Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=document_reproduction; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Monthly Quarterly Statement Reprint | $5.00 per statement" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$10Below the typical range ($15–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=account_research; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Account Research \| $10.00 per hour"	Source
Dormant Account Fee	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=dormant_account; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Dormant Account Fee \| $10.00 per month (after 1 yr)"	Source
Paper Statement (with home banking)	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=paper_statement; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Paper Statement (with home banking) \| $3.00"	Source
Returned Mail / Incorrect Address	$5Below the typical range ($15–$25 nationally)	$15 below the national median	per item	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=account_research; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Returned Mail / Incorrect Address \| $5.00 per item"	Source
Overdraft & NSFVerified
(Courtesy Pay)	$10Below the typical range ($20–$30 nationally)	$19 below the national median	—	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=overdraft; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Paid NSF Item < $30 (Courtesy Pay) \| $10.00 each"	Source
(Courtesy Pay)	$30
ATM & CardVerified
ATM Withdrawal (first 4 free)	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=atm_non_network; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="ATM Withdrawal (first 4 free) \| $1.00 each"	Source
Foreign Card Use @ Twin Rivers FCU ATM
Wire TransfersVerified
Incoming Wire Fee	$10Within the typical range ($7.50–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=wire_domestic_incoming; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Incoming Wire Fee \| $10.00"	Source
Check ServicesVerified
Check Cashing Fee (non-member cashed by member)	$15Above the typical range ($5–$10 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=check_cashing; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Check Cashing Fee (non-member cashed by member) \| $15.00"	Source
Copy of Money Order
Cash & DepositVerified
Member Deposited Item Returned (Canadian)	$40Above the typical range ($9.75–$25 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=deposited_item_return; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Member Deposited Item Returned (Canadian) \| $40.00 each"	Source
Member Deposited Item Returned (U.S.)
Account ServicesVerified
Legal Action Compliance (tax levies, orders, subpeonas, etc.)	$50Within the typical range ($25–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=garnishment_levy; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Legal Action Compliance (tax levies, orders, subpeonas, etc.) \| $50.00"	Source
Lending FeesVerified
Loan Late Fee (Consumer and Residential)	$15Within the typical range ($15–$27 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=late_payment; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Loan Late Fee (Consumer and Residential) \| $15.00"	Source
Skip a Payment (available 1 time per calendar year 1/1 – 12/31)
Other FeesVerified
Monthly Quarterly Statement Reprint	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per month	Knox deterministic extraction from Rosetta artifact #6205. canonical_hint=document_reproduction; text_hash=133722b378ecdb62fe4e3b6f038e60c1d565cc47e672b19afbcd4811a03533a1; excerpt="Monthly Quarterly Statement Reprint \| $5.00 per statement"	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

$10

Overdraft fee: $10

66% below the national median overdraft fee

Total fees: 27

Verified fees

Under review

Assets

$39.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$39.2M

Total deposits

$35.2M

Service charge income (year to date)

$62K

Fee income ratio

6.1%

Return on assets

0.84%

Financial profile · Pro

Performance from regulator filings

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

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 21,453 verified fees from 2,141 institutions

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