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

St. John United Federal Credit Union

Buffalo, New YorkCredit UnionNew York Fed districtFees collected Oct 6, 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

➢ Escheatable Acct Fee$10Within the typical range ($5–$10 nationally)

➢ Inactive Account Fee$5

At the national median

per year · Source

Inactive Account Fee$5

At the national median

per year · After one year of inactivity · Source

Overdraft & NSFVerified

➢ NSF Fee$40Above the typical range ($25–$31 nationally)
$10 above the national median
per item · Source
NSF Fee$40Above the typical range ($25–$31 nationally)
$10 above the national median
per item · Source

Check ServicesVerified

➢ Stop Payment Fee$40Above the typical range ($20–$30 nationally)
$14 above the national median
per item · Source
Stop Payment Fee$40Above the typical range ($20–$30 nationally)
$14 above the national median
per item · Per check · Source

Other FeesVerified

➢ Loan Application Fee$15Below the typical range ($22.50–$35 nationally)
$13.25 below the national median
Source
➢ Photocopies$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
➢ Escheatable Acct Fee	$10Within the typical range ($5–$10 nationally)	$5 above the national median	—	—	Source
➢ Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per year	—	Source
Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per year	After one year of inactivity	Source
Overdraft & NSFVerified
➢ NSF Fee	$40Above the typical range ($25–$31 nationally)	$10 above the national median	per item	—	Source
NSF Fee	$40
Check ServicesVerified
➢ Stop Payment Fee	$40Above the typical range ($20–$30 nationally)	$14 above the national median	per item	—	Source
Stop Payment Fee	$40
Other FeesVerified
➢ Loan Application Fee	$15Below the typical range ($22.50–$35 nationally)	$13.25 below the national median	—	—	Source
➢ Photocopies	$2

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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: $40

33% above the national median NSF fee

Total fees: 9 — leaner than most institutions

Headline fees published

2 of 15

Published fees

Under review

Assets

$1.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.1M

Total deposits

$988K

Service charge income (year to date)

Fee income ratio

0.00%

Return on assets

-0.82%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 42,910 published fee entries from 2,718 institutions

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