19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 20, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
High Point Federal Credit Union · $430M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| High Point Federal Credit Union(this institution) | Olean, NY | $430M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Community Federal Credit Union | San Angelo, TX | $422M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Alcoa Tenn Federal Credit Union | Alcoa, TN | $427M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alliance Federal Credit Union | Fenton, MO | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Federal Credit Union | Garland, TX | $428M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Southwest Federal Credit Union | Sierra Vista, AZ | $440M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carolina Trust Federal Credit Union | Myrtle Beach, SC | $422M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chessie Federal Credit Union | Cumberland, MD | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coosa Pines Federal Credit Union | Childersburg, AL | $421M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cport Federal Credit Union | Portland, ME | $435M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dexsta Federal Credit Union | Wilmington, DE | $432M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Essential Federal Credit Union | Baton Rouge, LA | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glendale Area Schools Federal Credit Union | Glendale, CA | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Honolulu Federal Credit Union | Honolulu, HI | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Membersfirst Federal Credit Union | Decatur, GA | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mocse Federal Credit Union | Modesto, CA | $426M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Public Employees Federal Credit Union | Austin, TX | $431M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rocky Mountain Federal Credit Union | Helena, MT | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Signature Federal Credit Union | Alexandria, VA | $421M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Streator Onized Federal Credit Union | Streator, IL | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Taunton Federal Credit Union | Taunton, MA | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Telco Community Credit Union | Candler, NC | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texar Federal Credit Union | Texarkana, TX | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ukrainian Federal Credit Union | Rochester, NY | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal 1 Federal Credit Union | Dayton, OH | $425M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 9 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 5, 2026.
Monthly maintenance fee in dollars, one mark per institution
High Point Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 5, 2026. Total assets from FDIC and NCUA records.
Amounts from High Point Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour
per month
per item
per item
per item
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 |
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.
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