Local 804 Federal Credit Union

Headquarters: Port Washington, New York
Charter: Credit Union
Assets: $22.5M
Fed district: New York

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

Source: its fee schedule, read Oct 10, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Local 804 Federal Credit Union: $25
Local 804 Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Local 804 Federal Credit Union: $30
Local 804 Federal Credit Union: $30
U.S. median: no median
OD Protection Transfer
Local 804 Federal Credit Union: $1
Local 804 Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 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.

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Published fee schedule

Amounts from Local 804 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$15
per month · Charged if no deposits or withdrawals for one year or longer
Account Research Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
High Yield Savings Excessive Transfer Fee$15
per transaction

Overdraft & NSF

Insufficient Funds Fee (Max of 5 per Business Day)$25
per item
Negative Balance Fee (After 14 Calendar Day grace period)$2
per day
Overdraft Transfer Fee (For ATM and Debit Card transactions ONLY, when funds are available in your savings)$1

ATM & Card

Lost or Stolen Debit/ATM Card Fee$10
per item
ATM/Debit Card Expediting$55

Wire Transfers

Outgoing Domestic Wire Fee$30

Check Services

Temporary Check Issue Fee$2
Not compared: Charged per page; comparison unavailable
per page
Check Image Reprint Fee$5
per item

Cash & Deposit

Returned Check Deposit Fee (Chargebacks)$25
per item

Lending Fees

Late Payment Fee$35

Other Fees

Statement Reprint Fee$2
Not compared: Charged per page; comparison unavailable
per page
Loan Application Fee (Including Co-Signers)$25
Skip-A-Pay$30

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$15	per month	Charged if no deposits or withdrawals for one year or longer
Account Research Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
High Yield Savings Excessive Transfer Fee	$15	per transaction	None
Overdraft & NSF
Insufficient Funds Fee (Max of 5 per Business Day)	$25	per item	None
Negative Balance Fee (After 14 Calendar Day grace period)	$2	per day	None
Overdraft Transfer Fee (For ATM and Debit Card transactions ONLY, when funds are available in your savings)	$1	Not stated	None
ATM & Card
Lost or Stolen Debit/ATM Card Fee	$10	per item	None
ATM/Debit Card Expediting	$55	Not stated	None
Wire Transfers
Outgoing Domestic Wire Fee	$30	Not stated	None
Check Services
Temporary Check Issue Fee	$2Not compared: Charged per page; comparison unavailable	per page	None
Check Image Reprint Fee	$5	per item	None
Cash & Deposit
Returned Check Deposit Fee (Chargebacks)	$25	per item	None
Lending Fees
Late Payment Fee	$35	Not stated	None
Other Fees
Statement Reprint Fee	$2Not compared: Charged per page; comparison unavailable	per page	None
Loan Application Fee (Including Co-Signers)	$25	Not stated	None
Skip-A-Pay	$30	Not stated	None

Correct a fee source

Oct 10, 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.

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