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

C C S E Federal Credit Union

Salamanca, New YorkCredit UnionNew York Fed districtFees collected Feb 17, 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

Dormant Account Monthly Fee (After 2 years)$25Above the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=dormant_account; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="| Dormant Account Monthly Fee (After 2 years) $25" · Source

Early Closing Fee (Less than 6 mos.)$10

$5 below the national median

Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=early_closure; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="| Early Closing Fee (Less than 6 mos.) | $10" · Source

Inactive Account Monthly Fee (After 1 year)$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=dormant_account; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="| Inactive Account Monthly Fee (After 1 year) | $5.00" · Source

Monthly Maintenance Fee$0

$6 below the national median

per month · Knox read a free fee from Rosetta artifact #7097. canonical_hint=monthly_maintenance; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Monthly Maintenance Fee | FREE" · Source

Research Fee (Per Hour)$25

At the national median

Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=account_research; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Research Fee (Per Hour) | $25.00 | Non-Activated Debit Card (within 90 days) | $10.00" · Source

Return Mail Fee$5

$20 below the national median

Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=account_research; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Return Mail Fee | $5.00 | CARD RELATED FEES" · Source

Overdraft & NSFVerified

00 | Courtesy Pay Fee (Debit Card Opt In)$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=overdraft; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="GAP Insurance | $175 .00 | Courtesy Pay Fee (Debit Card Opt In) | $30 .00" · Source
NSF Returned Fee$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=nsf; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="| NSF Returned Fee | $25" · Source

ATM & CardVerified

00 | Replacement Debit Card/ATM$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=card_replacement; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Credit Union Check | $3 .00 | Replacement Debit Card/ATM | $15 .00" · Source
ATM (Member)$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #7097. canonical_hint=atm_non_network; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="ATM (Member) | FREE" · Source

Wire TransfersVerified

Incoming Wire Fee$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=wire_domestic_incoming; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Incoming Wire Fee | $10 .00 | Over 6 Transfers | $5.00" · Source
Outgoing Wire (Domestic)$30Above the typical range ($20–$25 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=wire_domestic_outgoing; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Outgoing Wire (Domestic) | $30.00 | ACH Origination Fee | $5 .00" · Source

Check ServicesVerified

00 | Counter Checks$5Above the typical range ($1–$4 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=counter_check; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Outgoing Wire (International) | $55 .00 | Counter Checks | $5 .00" · Source
Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=check_image; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Check Copy | $5.00 | Instant Issue Mailing Fee | $10 .00" · Source
Debit Card/Zelle Stop Payment Fee$25Within the typical range ($20–$30 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=stop_payment; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Letter of Protest | $30.00 | Debit Card/Zelle Stop Payment Fee | $25 .00" · Source
Money Orders$2Within the typical range ($1.75–$3 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=money_order; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Money Orders | $2 .00 | Debit Card Reactivation (2 nd chance) | $25 .00" · Source
Non-Member Check Cashing Fee$10Within the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=check_cashing; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Non-Member Check Cashing Fee | $10 .00" · Source

Digital & ElectronicVerified

ACH Origination Fee$5Within the typical range ($5–$20 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=ach_origination; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Outgoing Wire (Domestic) | $30.00 | ACH Origination Fee | $5 .00" · Source
Bill Pay$0Within the typical range ($0–$11.29 nationally)
$4.97 below the national median
Knox read a free fee from Rosetta artifact #7097. canonical_hint=bill_pay; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Bill Pay | FREE" · Source

Cash & DepositVerified

Deposited Check Return Fee$30Above the typical range ($10–$25 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=deposited_item_return; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="| Deposited Check Return Fee | $30.00" · Source

Account ServicesVerified

Lien Release Replacement Fee$10Below the typical range ($30–$131.13 nationally)
$65 below the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=legal_process; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Lien Release Replacement Fee | $10.00 | Travel Card (EMV Chip) | $10 .00" · Source
Notary Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #7097. canonical_hint=notary_fee; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Notary Service | FREE" · Source

Gift & Prepaid CardsVerified

50 | VISA Gift Card$10Above the typical range ($3–$4.50 nationally)
$6.50 above the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=gift_card_purchase; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Mortgage Discharge Fee | $50 .50 | VISA Gift Card | $10.00" · Source
Mortgage Discharge Fee$50Above the typical range ($3–$4.50 nationally)
$46.50 above the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=gift_card_purchase; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Mortgage Discharge Fee | $50 .50 | VISA Gift Card | $10.00" · Source

Other FeesVerified

Statement Copy (Over 1 Year)$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=document_reproduction; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Statement Copy (Over 1 Year) | $3.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Monthly Fee (After 2 years)	$25Above the typical range ($5–$10 nationally)	$20 above the national median	per month	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=dormant_account; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="\| Dormant Account Monthly Fee (After 2 years) $25"	Source
Early Closing Fee (Less than 6 mos.)	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=early_closure; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="\| Early Closing Fee (Less than 6 mos.) \| $10"	Source
Inactive Account Monthly Fee (After 1 year)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=dormant_account; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="\| Inactive Account Monthly Fee (After 1 year) \| $5.00"	Source
Monthly Maintenance Fee	$0Below the typical range ($3–$10 nationally)	$6 below the national median	per month	Knox read a free fee from Rosetta artifact #7097. canonical_hint=monthly_maintenance; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Monthly Maintenance Fee \| FREE"	Source
Research Fee (Per Hour)	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=account_research; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Research Fee (Per Hour) \| $25.00 \| Non-Activated Debit Card (within 90 days) \| $10.00"	Source
Return Mail Fee	$5Below the typical range ($17.50–$25 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=account_research; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Return Mail Fee \| $5.00 \| CARD RELATED FEES"	Source
Overdraft & NSFVerified
00 \| Courtesy Pay Fee (Debit Card Opt In)	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=overdraft; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="GAP Insurance \| $175 .00 \| Courtesy Pay Fee (Debit Card Opt In) \| $30 .00"	Source
NSF Returned Fee
ATM & CardVerified
00 \| Replacement Debit Card/ATM	$15Above the typical range ($5–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=card_replacement; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Credit Union Check \| $3 .00 \| Replacement Debit Card/ATM \| $15 .00"	Source
ATM (Member)
Wire TransfersVerified
Incoming Wire Fee	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=wire_domestic_incoming; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Incoming Wire Fee \| $10 .00 \| Over 6 Transfers \| $5.00"	Source
Outgoing Wire (Domestic)
Check ServicesVerified
00 \| Counter Checks	$5Above the typical range ($1–$4 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=counter_check; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Outgoing Wire (International) \| $55 .00 \| Counter Checks \| $5 .00"	Source
Check Copy
Digital & ElectronicVerified
ACH Origination Fee	$5Within the typical range ($5–$20 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=ach_origination; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Outgoing Wire (Domestic) \| $30.00 \| ACH Origination Fee \| $5 .00"	Source
Bill Pay
Cash & DepositVerified
Deposited Check Return Fee	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=deposited_item_return; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="\| Deposited Check Return Fee \| $30.00"	Source
Account ServicesVerified
Lien Release Replacement Fee	$10Below the typical range ($30–$131.13 nationally)	$65 below the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=legal_process; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Lien Release Replacement Fee \| $10.00 \| Travel Card (EMV Chip) \| $10 .00"	Source
Notary Service
Gift & Prepaid CardsVerified
50 \| VISA Gift Card	$10Above the typical range ($3–$4.50 nationally)	$6.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=gift_card_purchase; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Mortgage Discharge Fee \| $50 .50 \| VISA Gift Card \| $10.00"	Source
Mortgage Discharge Fee
Other FeesVerified
Statement Copy (Over 1 Year)	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7097. canonical_hint=document_reproduction; text_hash=77c14c0b37d2c28c7b0e92f59b08439298543cb61fe9fbd8a2402e078d18bc80; excerpt="Statement Copy (Over 1 Year) \| $3.00"	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 25

Headline fees published

9 of 15

Published fees

Under review

Assets

$61.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$61.1M

Total deposits

$54.4M

Service charge income (year to date)

$130K

Fee income ratio

7.8%

Return on assets

1.15%

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

Based on 28,880 verified fees from 2,290 institutions

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