Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Money Federal Credit Union

Syracuse, New YorkCredit UnionNew York Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closed within 90 Days of Opening$25Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=early_closure; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Account Closed within 90 Days of Opening | $25" · Source

Account Research (unless Credit Union error)$25

At the national median

Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=account_research; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Account Research (unless Credit Union error) | $25/hour" · Source

Inactive Account (after 1 year)$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=dormant_account; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Inactive Account (after 1 year) | $5/month" · Source

Overdraft & NSFVerified

Insufficient Funds (check or electronic)$30Within the typical range ($15–$32 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=nsf; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Insufficient Funds (check or electronic) | $30/item" · Source

Check ServicesVerified

Check Copy$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=check_image; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Check Copy | $3/item" · Source
Check Stop Payment/Void$15Below the typical range ($20–$30 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=stop_payment; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Check Stop Payment/Void | $15/item or series" · Source
Official Check (if not payable to member)$3Within the typical range ($3–$7.75 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=cashiers_check; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Official Check (if not payable to member) | $3/item" · Source

Account ServicesVerified

Legal Processing (garnishment, levy, restraint, etc.)$100Above the typical range ($30–$75 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=garnishment_levy; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Legal Processing (garnishment, levy, restraint, etc.) | $100" · Source

Lending FeesVerified

Late Payment$30Above the typical range ($15–$28 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=late_payment; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Late Payment | $30" · Source
Loan Processing Fee (Home Equity Loan/Lines)$100Above the typical range ($25–$90 nationally)
$66.50 above the national median
Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=loan_origination; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Loan Processing Fee (Home Equity Loan/Lines) | $100" · Source

Retirement & IRAVerified

IRA Administration$25Within the typical range ($15–$25 nationally)
$5 above the national median
per year · Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=ira_administration; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="IRA Administration | $25/year" · Source

Gift & Prepaid CardsVerified

VISA Gift Card$4Within the typical range ($3–$5.24 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=gift_card_purchase; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="VISA Gift Card | $4/card" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed within 90 Days of Opening	$25Within the typical range ($10–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=early_closure; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Account Closed within 90 Days of Opening \| $25"	Source
Account Research (unless Credit Union error)	$25Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=account_research; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Account Research (unless Credit Union error) \| $25/hour"	Source
Inactive Account (after 1 year)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=dormant_account; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Inactive Account (after 1 year) \| $5/month"	Source
Overdraft & NSFVerified
Insufficient Funds (check or electronic)	$30Within the typical range ($15–$32 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=nsf; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Insufficient Funds (check or electronic) \| $30/item"	Source
Check ServicesVerified
Check Copy	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=check_image; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Check Copy \| $3/item"	Source
Check Stop Payment/Void	$15
Account ServicesVerified
Legal Processing (garnishment, levy, restraint, etc.)	$100Above the typical range ($30–$75 nationally)	$50 above the national median	—	Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=garnishment_levy; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Legal Processing (garnishment, levy, restraint, etc.) \| $100"	Source
Lending FeesVerified
Late Payment	$30Above the typical range ($15–$28 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=late_payment; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="Late Payment \| $30"	Source
Loan Processing Fee (Home Equity Loan/Lines)	$100
Retirement & IRAVerified
IRA Administration	$25Within the typical range ($15–$25 nationally)	$5 above the national median	per year	Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=ira_administration; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="IRA Administration \| $25/year"	Source
Gift & Prepaid CardsVerified
VISA Gift Card	$4Within the typical range ($3–$5.24 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3244. canonical_hint=gift_card_purchase; text_hash=8cef8b52c175093b150d026cf09ac7343b6b29ebf74a35053f6c59371c6a1f41; excerpt="VISA Gift Card \| $4/card"	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.

NSF fee: $30

7% above the national median NSF fee

Total fees: 12 — leaner than most institutions

Verified fees

Under review

Assets

$51.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$51.3M

Total deposits

$45.1M

Service charge income (year to date)

$26K

Fee income ratio

2.5%

Return on assets

0.43%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 57 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 6,925 verified fees from 1,557 institutions

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