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, under $300M

First Choice Financial Federal Credit Union

Gloversville, New YorkCredit UnionNew York Fed districtFees collected Oct 5, 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

Closed Account Fee$25Within the typical range ($10–$25 nationally)

ATM & CardVerified

ATM Withdrawal Transactions$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.50 below the New York median
per item · Source
Debit Card Replacement Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the New York median
Source
Debit Card Replacement RUSH Fee$40Within the typical range ($30–$50 nationally)
At the national medianAt the New York median
Source

Wire TransfersVerified

WIRE TRANSFER: Domestic Outgoing$25Within the typical range ($20–$25 nationally)
At the national medianAt the New York median
Source
WIRE TRANSFER: International Outgoing$40Within the typical range ($40–$50 nationally)
$10 below the national median$5 below the New York median
Source

Check ServicesVerified

Bank Checks – 1st free$1Below the typical range ($3–$6 nationally)
$4 below the national median$4 below the New York median
per item · Source
Money Orders$1Below the typical range ($1.50–$3 nationally)
$1 below the national median$1 below the New York median
per item · Source
Stop Payment Bank Check$25Within the typical range ($20–$30 nationally)
$2.50 below the national medianAt the New York median
Source
Copy of Paid Draft$2Within the typical range ($2–$5 nationally)
$1 below the national median$3 below the New York median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Closed Account Fee	$25Within the typical range ($10–$25 nationally)	$7.50 above the national median$10 above the New York median	—	—	Source
Escheat Processing Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median$15.50 above the New York median	—	—	Source
Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median$4.50 below the New York median	per month	—	Source
Account Research – 1st free	$25Within the typical range ($11.38–$25 nationally)	$7.50 above the national median$7.50 above the New York median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay (CPAY)	$15Below the typical range ($25–$33 nationally)	$15 below the national median$15 below the New York median	per item	—	Source
ATM & CardVerified
ATM Withdrawal Transactions	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$0.50 below the New York median	per item	—	Source
Debit Card Replacement Fee	$5
Wire TransfersVerified
WIRE TRANSFER: Domestic Outgoing	$25Within the typical range ($20–$25 nationally)	At the national medianAt the New York median	—	—	Source
WIRE TRANSFER: International Outgoing	$40
Check ServicesVerified
Bank Checks – 1st free	$1Below the typical range ($3–$6 nationally)	$4 below the national median$4 below the New York median	per item	—	Source
Money Orders	$1
Account ServicesVerified
Restraining Notice/Legal Processing/Levies	$50Within the typical range ($30–$90 nationally)	At the national median$25 below the New York median	—	—	Source
Retirement & IRAVerified
IRA Transfer/Closeout Fee	$25Within the typical range ($25–$35 nationally)	At the national medianAt the New York median	—	—	Source
Other FeesVerified
Photocopy of Open or Closed Account	$2Within the typical range ($2–$5 nationally)	$1 below the national median$1 below the New York median	per item	—	Source

Fee change alerts

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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

$15

Overdraft fee: $15

50% below the national median overdraft fee

17 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$183.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$183.7M

Total deposits

$161.7M

Service charge income (year to date)

$313K

Fee income ratio

6.0%

Return on assets

1.11%

Financial profile · Pro

Performance from regulator filings

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Based on 65,783 published fee entries from 3,612 institutions

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