Verified

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

Community credit union, $300M to $1B

Secny Federal Credit Union

Syracuse, New YorkCredit UnionNew York Fed districtFees collected Oct 4, 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 Reconciliation$25Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=account_research; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Account Reconciliation | $25 per hour" · Source

Inactive Account Fee (after 1 year)$10

$5 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=dormant_account; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Inactive Account Fee (after 1 year) | $10 per month" · Source

Paper Statement Fee$1

$2 below the national median

Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=paper_statement; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Paper Statement Fee | $1 per statement (waived for Business Accounts, HSAs or if primary account holder is under age 18 OR over age 60)" · Source

Overdraft & NSFVerified

Line of Credit Check NSF/Overlimit$15Below the typical range ($25–$32 nationally)
$14 below the national median
Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=nsf; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Line of Credit Check NSF/Overlimit | $15" · Source
Online Bill Pay NSF (Non-Sufficient Funds)$15Below the typical range ($25–$32 nationally)
$14 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=nsf; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Online Bill Pay NSF (Non-Sufficient Funds) | $15 per item" · Source

ATM & CardVerified

ATM Transfer$0Below the typical range ($1–$3 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #3177. canonical_hint=atm_non_network; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="ATM Transfer | No Charge" · Source
International ATM/Debit Transaction$2Within the typical range ($1.25–$2.75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=atm_international; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="International ATM/Debit Transaction | $2.00 + Foreign ATM Fee and 1% of the withdrawal" · Source

Wire TransfersVerified

Wire Transfer Fee (outgoing)$25Within the typical range ($20–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=wire_domestic_outgoing; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Wire Transfer Fee (outgoing) | $25 per wire" · Source

Check ServicesVerified

Draft/Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=check_image; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Draft/Check Copy | $5 per copy" · Source
Issue Cashiers Check$2Below the typical range ($3–$6 nationally)
$3 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=cashiers_check; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Issue Cashiers Check | $2 per check (if payable other than to self)" · Source
Online Bill Pay Stop Payment$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=stop_payment; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Online Bill Pay Stop Payment | $25 per stop payment" · Source
Stop Payment Fee$15Below the typical range ($20–$30 nationally)
$12 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=stop_payment; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Stop Payment Fee | $15 per item" · Source

Digital & ElectronicVerified

Online Bill Pay "Same Day" Bill Payment$12Within the typical range ($0–$12.50 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=bill_pay; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Online Bill Pay "Same Day" Bill Payment | $12.00" · Source
Online Bill Pay Overnight Check$20Above the typical range ($0–$12.50 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=bill_pay; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Online Bill Pay Overnight Check | $20.00" · Source

Cash & DepositVerified

Deposited Item Return Fee$15Within the typical range ($9.75–$25 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=deposited_item_return; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Deposited Item Return Fee | $15 per item" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=account_research; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Account Reconciliation \| $25 per hour"	Source
Inactive Account Fee (after 1 year)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=dormant_account; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Inactive Account Fee (after 1 year) \| $10 per month"	Source
Paper Statement Fee	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=paper_statement; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Paper Statement Fee \| $1 per statement (waived for Business Accounts, HSAs or if primary account holder is under age 18 OR over age 60)"	Source
Overdraft & NSFVerified
Line of Credit Check NSF/Overlimit	$15Below the typical range ($25–$32 nationally)	$14 below the national median	—	Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=nsf; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Line of Credit Check NSF/Overlimit \| $15"	Source
Online Bill Pay NSF (Non-Sufficient Funds)
ATM & CardVerified
ATM Transfer	$0Below the typical range ($1–$3 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #3177. canonical_hint=atm_non_network; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="ATM Transfer \| No Charge"	Source
International ATM/Debit Transaction	$2
Wire TransfersVerified
Wire Transfer Fee (outgoing)	$25Within the typical range ($20–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=wire_domestic_outgoing; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Wire Transfer Fee (outgoing) \| $25 per wire"	Source
Check ServicesVerified
Draft/Check Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=check_image; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Draft/Check Copy \| $5 per copy"	Source
Issue Cashiers Check	$2
Digital & ElectronicVerified
Online Bill Pay "Same Day" Bill Payment	$12Within the typical range ($0–$12.50 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=bill_pay; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Online Bill Pay "Same Day" Bill Payment \| $12.00"	Source
Online Bill Pay Overnight Check
Cash & DepositVerified
Deposited Item Return Fee	$15Within the typical range ($9.75–$25 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #3177. canonical_hint=deposited_item_return; text_hash=56d7155812266eada060d9288b31563750eb4d6d5737470be92e803d2cd2a6e2; excerpt="Deposited Item Return Fee \| $15 per item"	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.

NSF fee: $15

Overdraft fee cap or limit policy detected — fewer surprise charges

48% below the national median NSF fee

Verified fees

Under review

Assets

$322.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$322.7M

Total deposits

$297.2M

Service charge income (year to date)

$460K

Fee income ratio

5.9%

Return on assets

0.41%

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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