Ulster Federal Credit Union

Headquarters: Kingston, New York
Charter: Credit Union
Assets: $179.0M
Fed district: New York

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

Source: its fee schedule, read Oct 23, 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)
Ulster Federal Credit Union: $35
Ulster Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Ulster Federal Credit Union: $35
Ulster Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Ulster Federal Credit Union: $2
Ulster Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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 Ulster Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure$25
Inactive Account$5
per month
Account Reconciliation or Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Vacation Club - Excess Withdrawal$15
Not compared: Quarterly charge, not per item
per quarter
Returned Statement$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Bounce Protection (ACH/Debit)$35
per item
Courtesy Pay$35
per item
Non-Sufficient Funds (NSF) Fee$35
per item
Automatic Overdraft Transfer$5
per item

ATM & Card

Balance Inquiry$2
per item
Card Replacement - Debit or Credit$15
per item

Wire Transfers

Wire Transfer – Outgoing Domestic$30
per item
Wire Transfer – Outgoing Foreign$40
per item

Check Services

Credit Union Official Check$5
per item
Money Order$5
per item
Stop Payment$30
per item
Counter Check$0.25
per item
Foreign Item Processing Fee$25
per item
Copy of Money Order or Credit Union Check$5
per item
Copy of Paid Share Draft$5
per item

Cash & Deposit

Deposited Item Return$35
per item

Account Services

Key Replacement$25
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10”$100
per year
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)$100
per year
Safe Deposit Box 3” x 10”$60
per year
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)$60
per year
Safe Deposit Box 3” x 5”$50
per year
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)$50
per year
Safe Deposit Box 5” x 10”$75
per year
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)$75
per year
Safe Deposit Late Charge$5
Not compared: Monthly charge, not annual
per month
Legal Process: Tax Levies, Summons$100
Subordination Fee$100
one time

Retirement & IRA

IRA Transfer$5
Not compared: Monthly charge, not per item
per month

Other Fees

Statement Copy$6
Not compared: Monthly charge, not per item
per month
Statement Printout$5
Not compared: Monthly charge, not per item
per month
Loan Refinance$50

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$25	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation or Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Vacation Club - Excess Withdrawal	$15Not compared: Quarterly charge, not per item	per quarter	None
Returned Statement	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Bounce Protection (ACH/Debit)	$35	per item	None
Courtesy Pay	$35	per item	None
Non-Sufficient Funds (NSF) Fee	$35	per item	None
Automatic Overdraft Transfer	$5	per item	None
ATM & Card
Balance Inquiry	$2	per item	None
Card Replacement - Debit or Credit	$15	per item	None
Wire Transfers
Wire Transfer – Outgoing Domestic	$30	per item	None
Wire Transfer – Outgoing Foreign	$40	per item	None
Check Services
Credit Union Official Check	$5	per item	None
Money Order	$5	per item	None
Stop Payment	$30	per item	None
Counter Check	$0.25	per item	None
Foreign Item Processing Fee	$25	per item	None
Copy of Money Order or Credit Union Check	$5	per item	None
Copy of Paid Share Draft	$5	per item	None
Cash & Deposit
Deposited Item Return	$35	per item	None
Account Services
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10”	$100	per year	None
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)	$100	per year	None
Safe Deposit Box 3” x 10”	$60	per year	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$60	per year	None
Safe Deposit Box 3” x 5”	$50	per year	None
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 5” x 10”	$75	per year	None
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)	$75	per year	None
Safe Deposit Late Charge	$5Not compared: Monthly charge, not annual	per month	None
Legal Process: Tax Levies, Summons	$100	Not stated	None
Subordination Fee	$100	one time	None
Retirement & IRA
IRA Transfer	$5Not compared: Monthly charge, not per item	per month	None
Other Fees
Statement Copy	$6Not compared: Monthly charge, not per item	per month	None
Statement Printout	$5Not compared: Monthly charge, not per item	per month	None
Loan Refinance	$50	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 23, 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 Ulster Federal Credit Union's foreign transaction changes in our data

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