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

Cvph Employees Federal Credit Union

Plattsburgh, 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

Monthly Fee for Draft Checking Accounts$1Below the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Overdraft Fees for Debit Card, ACH, and Checks$40Above the typical range ($25–$33 nationally)
$10 above the national median$10 above the New York median
Source
Return Item Processing Fee$40Above the typical range ($25–$32 nationally)
$10 above the national median$15 above the New York median
Source

Check ServicesVerified

Stop Payment on Credit Union Checks (Drawn off of Community Bank NA)$40Above the typical range ($20–$30 nationally)
$12.50 above the national median$15 above the New York median
Source
Stop Payment on Member's Checks$10Below the typical range ($20–$30 nationally)
$17.50 below the national median$15 below the New York median
per item · Institution’s schedule
Stop Payment on Member’s Checks$10Below the typical range ($20–$30 nationally)
$17.50 below the national median$15 below the New York median
Source

Lending FeesVerified

Late Payment fee for Loans (More than 10 calendar days past due)$40Above the typical range ($10–$25 nationally)
$20 above the national median$15 above the New York median
Source
Pre-Penalty for Early Termination of Loans before 90 days$35Within the typical range ($20.08–$71.25 nationally)
$3 above the national median$10 above the New York median
one time · Early termination before 90 days · Institution’s schedule

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly Fee for Draft Checking Accounts	$1Below the typical range ($4–$10 nationally)	$5 below the national median$4 below the New York median	per month	—	Source
Dormant Account Fees (Inactivity on an account for 6 or more months)	$10Within the typical range ($5–$10 nationally)	$5 above the national median$0.50 above the New York median	—	—	Source
Return Mail Fee	$5Below the typical range ($11.38–$25 nationally)	$12.50 below the national median$12.50 below the New York median	—	—	Source
Return Mail Fee	$2Below the typical range ($11.38–$25 nationally)	$15.50 below the national median$15.50 below the New York median	per item	—	Institution’s schedule
Overdraft & NSFVerified
Overdraft Fees for Debit Card, ACH, and Checks	$40Above the typical range ($25–$33 nationally)	$10 above the national median$10 above the New York median	—	—	Source
Return Item Processing Fee	$40
Check ServicesVerified
Stop Payment on Credit Union Checks (Drawn off of Community Bank NA)	$40Above the typical range ($20–$30 nationally)	$12.50 above the national median$15 above the New York median	—	—	Source
Stop Payment on Member's Checks	$10
Lending FeesVerified
Late Payment fee for Loans (More than 10 calendar days past due)	$40Above the typical range ($10–$25 nationally)	$20 above the national median$15 above the New York median	—	—	Source
Pre-Penalty for Early Termination of Loans before 90 days	$35
Other FeesVerified
Secured Loan Application Fee	$10Below the typical range ($25–$100 nationally)	$27.50 below the national median$27.50 below the New York median	—	—	Source

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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

$40

Overdraft fee: $40

33% above the national median overdraft fee

12 verified fees collected

Headline fees published

4 of 15

Published fees

Under review

Assets

$10.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$10.4M

Total deposits

$9.3M

Service charge income (year to date)

$26K

Fee income ratio

12.1%

Return on assets

0.21%

Financial profile · Pro

Performance from regulator filings

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