High Point Federal Credit Union

Headquarters: Olean, New York
Charter: Credit Union
Assets: $430.1M
Fed district: New York

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

Source: its fee schedule, read Oct 20, 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)
High Point Federal Credit Union: $27
High Point Federal Credit Union: $27
U.S. median: no median
NSF / Returned Item
High Point Federal Credit Union: $30
High Point Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
High Point Federal Credit Union: $1
High Point 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 20, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from High Point Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Early Closeout Fee (within 6 months of opening)$5
Account Inactivity Fee (12 months with no account activity)$5
per month
Escheatment (Abandon Property)$20
Account Research/Reconciliation Fee (min. $10.00)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statement$1
per month
Incorrect Address$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$27
per item
NSF Fee$30
per item
Negative Balance Fee (assessed every 15 consecutive days balance is negative)$7
Auto Transfer – Overdraft Program Fee$3
per item

ATM & Card

ATM - Non-proprietary ATM Fee$1
per item
ATM or Debit Card Replacement Fee$7
per item
Foreign transaction fee (multiple currency)1%of the transaction

Wire Transfers

Wire Transfer: Outgoing Domestic$20
per item
Wire Transfer: Incoming Domestic$5
per item
Wire Transfer: Outgoing International$100
per item
Wire Transfer: Incoming International$5
per item

Check Services

Cashier's/Teller Check$4
per item
Certified Teller Check$5
per item
Stop Payment$25
per item

Digital & Electronic

ACH Origination via Phone$2
per item
Bill Pay Return Fee$5
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

NSF Return Deposit Item$12
per item
NSF Return Deposit Item (Drawn on own account at another financial institution)$30
per item

Account Services

Notary Fee - MemberNo charge
Notary Fee - Non-Member$2
per item
Levies, Subpoena’s, and Restraining Order$100
per item

Other Fees

Statement Copy$2
Not compared: Charged per statement; comparison unavailable
per statement

Fee	Amount	Basis	Note
Account Maintenance
Account Early Closeout Fee (within 6 months of opening)	$5	Not stated	None
Account Inactivity Fee (12 months with no account activity)	$5	per month	None
Escheatment (Abandon Property)	$20	Not stated	None
Account Research/Reconciliation Fee (min. $10.00)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statement	$1	per month	None
Incorrect Address	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$27	per item	None
NSF Fee	$30	per item	None
Negative Balance Fee (assessed every 15 consecutive days balance is negative)	$7	Not stated	None
Auto Transfer – Overdraft Program Fee	$3	per item	None
ATM & Card
ATM - Non-proprietary ATM Fee	$1	per item	None
ATM or Debit Card Replacement Fee	$7	per item	None
Foreign transaction fee (multiple currency)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer: Outgoing Domestic	$20	per item	None
Wire Transfer: Incoming Domestic	$5	per item	None
Wire Transfer: Outgoing International	$100	per item	None
Wire Transfer: Incoming International	$5	per item	None
Check Services
Cashier's/Teller Check	$4	per item	None
Certified Teller Check	$5	per item	None
Stop Payment	$25	per item	None
Digital & Electronic
ACH Origination via Phone	$2	per item	None
Bill Pay Return Fee	$5Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
NSF Return Deposit Item	$12	per item	None
NSF Return Deposit Item (Drawn on own account at another financial institution)	$30	per item	None
Account Services
Notary Fee - Member	No charge	Not stated	None
Notary Fee - Non-Member	$2	per item	None
Levies, Subpoena’s, and Restraining Order	$100	per item	None
Other Fees
Statement Copy	$2Not compared: Charged per statement; comparison unavailable	per statement	None

Correct a fee source

Oct 20, 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.

Fee change alerts

Get an email when High Point Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.