Twin Rivers Federal Credit Union

Headquarters: Massena, New York
Charter: Credit Union
Assets: $39.2M
Fed district: New York

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Twin Rivers Federal Credit Union: $10 to $30
Twin Rivers Federal Credit Union: $10 to $30
U.S. median: no median
NSF / Returned Item
Twin Rivers Federal Credit Union: $30
Twin Rivers Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Twin Rivers Federal Credit Union: $1
Twin Rivers Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 Twin Rivers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Abandoned Property Fee$100
Dormant Account Fee$10
per month
Inactive (3 mos or longer w/o a transaction) Home Banking Account$10
per month
Account Research$10
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (with home banking)$3
Returned Mail / Incorrect Address$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (OD)$30
Paid NSF Item < $30 (Courtesy Pay)$10
per item
Returned Check / ACH / EFT due to NSF$30
per item

ATM & Card

ATM Balance Inquiry$1
per item
ATM Withdrawal (first 4 free)$1
per item
Visa Card (rush order 3 - 4 days)$50

Wire Transfers

Outgoing Wire Fee < (< $50,000)$25
Outgoing Wire Fee > (> $50,000)$35
Incoming Wire Fee$10

Check Services

Credit Union Cashier's Check$3
Money Order$3
Stop Payment$25
Stop Payment (Stale dated checks and money orders)$30
per item
Counter Checks$2
Check Cashing Fee (non-member cashed by member)$15
Copy of Deposited Check$5
Copy of Money Order$5
Copy of Share Draft (check)$5
Visa Draft Copy Request$5

Cash & Deposit

Member Deposited Item Returned (Canadian)$40
per item
Member Deposited Item Returned (U.S.)$30
per item

Account Services

Legal Action Compliance (tax levies, orders, subpeonas, etc.)$50

Lending Fees

Late Payment Fee$15
Loan Late Fee (Consumer and Residential)$15
UCC Filing Fee$20

Other Fees

Monthly Quarterly Statement Reprint$5
Not compared: Monthly charge, not per item
per month
Duplicate Lien Release$5
Loan Refinance Fee (TRFCU Loans)$100
Skip a Payment (available 1 time per calendar year 1/1 – 12/31)$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Abandoned Property Fee	$100	Not stated	None
Dormant Account Fee	$10	per month	None
Inactive (3 mos or longer w/o a transaction) Home Banking Account	$10	per month	None
Account Research	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (with home banking)	$3	Not stated	None
Returned Mail / Incorrect Address	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (OD)	$30	Not stated	None
Paid NSF Item < $30 (Courtesy Pay)	$10	per item	None
Returned Check / ACH / EFT due to NSF	$30	per item	None
ATM & Card
ATM Balance Inquiry	$1	per item	None
ATM Withdrawal (first 4 free)	$1	per item	None
Visa Card (rush order 3 - 4 days)	$50	Not stated	None
Wire Transfers
Outgoing Wire Fee < (< $50,000)	$25	Not stated	None
Outgoing Wire Fee > (> $50,000)	$35	Not stated	None
Incoming Wire Fee	$10	Not stated	None
Check Services
Credit Union Cashier's Check	$3	Not stated	None
Money Order	$3	Not stated	None
Stop Payment	$25	Not stated	None
Stop Payment (Stale dated checks and money orders)	$30	per item	None
Counter Checks	$2	Not stated	None
Check Cashing Fee (non-member cashed by member)	$15	Not stated	None
Copy of Deposited Check	$5	Not stated	None
Copy of Money Order	$5	Not stated	None
Copy of Share Draft (check)	$5	Not stated	None
Visa Draft Copy Request	$5	Not stated	None
Cash & Deposit
Member Deposited Item Returned (Canadian)	$40	per item	None
Member Deposited Item Returned (U.S.)	$30	per item	None
Account Services
Legal Action Compliance (tax levies, orders, subpeonas, etc.)	$50	Not stated	None
Lending Fees
Late Payment Fee	$15	Not stated	None
Loan Late Fee (Consumer and Residential)	$15	Not stated	None
UCC Filing Fee	$20	Not stated	None
Other Fees
Monthly Quarterly Statement Reprint	$5Not compared: Monthly charge, not per item	per month	None
Duplicate Lien Release	$5	Not stated	None
Loan Refinance Fee (TRFCU Loans)	$100	Not stated	None
Skip a Payment (available 1 time per calendar year 1/1 – 12/31)	$35	per item	None

Correct a fee source

Oct 9, 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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