Ufirst Federal Credit Union

Headquarters: Plattsburgh, New York
Charter: Credit Union
Assets: $128.6M
Fed district: New York

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

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

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Ufirst Federal Credit Union: $30
Ufirst Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Ufirst Federal Credit Union: $30
Ufirst Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Ufirst Federal Credit Union: $35
Ufirst Federal Credit Union: $35
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 Ufirst Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closed within 90 Days of Opening$20
Holiday Club Early Closure Fee$20
Dormant Account Fee$8
per month
Reporting Abandoned Property to NYS$10
Account Balancing Services$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$50
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5

Overdraft & NSF

Courtesy Pay Fee (each)$30
per item
Non-Sufficient Fund (NSF) Item (each)$30
per item
Returned Item Fee (Check or ACH) (per item)$30
per item
Overdraft protection from savings to checking$10

ATM & Card

Replace Lost (Debit, Credit Card or Travel Card)$10

Wire Transfers

Domestic Wire Transfer (Outgoing)$35
Domestic Wire Transfer (Incoming)No charge
International Wire Transfer (Outgoing)$35
International Incoming Wire Transfer$15

Check Services

Certified Check Fee$5
per item
Money Order (per item)$2
per item
Stop Payments (Checks and ACH)$30
Check Cashing Fee (SUNY – Non-member) (audience not stated, treated as personal)1%
Foreign Item Clearing Fee ($25 item minimum to fee)$5
Check Copy (per item)$5
per item

Digital & Electronic

Bill Pay (Overnight Fee)$14.95
Bill Pay (Same Day Payment)$9.95
Bill Pay/Zelle/Transfer Now ServicesNo charge

Cash & Deposit

Return Deposit Item (per item)$30
per item

Lending Fees

Credit Card Payment Late Fee$35
Loan Payment Late Fee$35
Mortgage Payment Late Fee (audience not stated, treated as personal)2%

Retirement & IRA

IRA Transfer Fee Out$30

Gift & Prepaid Cards

VISA Everyday Card (Reload Fee)$5
VISA Gift Card (Initial Load Fee)$5
VISA Travel Card (Reload Fee)$2

Other Fees

Statement Copy (per month)$10
Not compared: Monthly charge, not per item
per month
Existing Loan Refinance (cash out)$35

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 Days of Opening	$20	Not stated	None
Holiday Club Early Closure Fee	$20	Not stated	None
Dormant Account Fee	$8	per month	None
Reporting Abandoned Property to NYS	$10	Not stated	None
Account Balancing Services	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee (each)	$30	per item	None
Non-Sufficient Fund (NSF) Item (each)	$30	per item	None
Returned Item Fee (Check or ACH) (per item)	$30	per item	None
Overdraft protection from savings to checking	$10	Not stated	None
ATM & Card
Replace Lost (Debit, Credit Card or Travel Card)	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer (Outgoing)	$35	Not stated	None
Domestic Wire Transfer (Incoming)	No charge	Not stated	None
International Wire Transfer (Outgoing)	$35	Not stated	None
International Incoming Wire Transfer	$15	Not stated	None
Check Services
Certified Check Fee	$5	per item	None
Money Order (per item)	$2	per item	None
Stop Payments (Checks and ACH)	$30	Not stated	None
Check Cashing Fee (SUNY – Non-member) (audience not stated, treated as personal)	1%	Not stated	None
Foreign Item Clearing Fee ($25 item minimum to fee)	$5	Not stated	None
Check Copy (per item)	$5	per item	None
Digital & Electronic
Bill Pay (Overnight Fee)	$14.95	Not stated	None
Bill Pay (Same Day Payment)	$9.95	Not stated	None
Bill Pay/Zelle/Transfer Now Services	No charge	Not stated	None
Cash & Deposit
Return Deposit Item (per item)	$30	per item	None
Lending Fees
Credit Card Payment Late Fee	$35	Not stated	None
Loan Payment Late Fee	$35	Not stated	None
Mortgage Payment Late Fee (audience not stated, treated as personal)	2%	Not stated	None
Retirement & IRA
IRA Transfer Fee Out	$30	Not stated	None
Gift & Prepaid Cards
VISA Everyday Card (Reload Fee)	$5	Not stated	None
VISA Gift Card (Initial Load Fee)	$5	Not stated	None
VISA Travel Card (Reload Fee)	$2	Not stated	None
Other Fees
Statement Copy (per month)	$10Not compared: Monthly charge, not per item	per month	None
Existing Loan Refinance (cash out)	$35	Not stated	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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