Academic Federal Credit Union

Headquarters: Briarcliff Manor, New York
Charter: Credit Union
Assets: $33.7M
Fed district: New York

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

Source: its fee schedule, read Oct 26, 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)
Academic Federal Credit Union: $15
Academic Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
Academic Federal Credit Union: $30
Academic Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Academic Federal Credit Union: $15
Academic Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 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 Academic Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closing account within 90 days of opening$15
Dormant Account Fee$5
per month · After 1 year dormant
Returned Mail Fee$20
Not compared: Per-occurrence charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$15
per item · Transfer from share account to share draft account to cover insufficient funds check. Limited to 6 transfers per month.
NSF: Nonsufficient Funds Items (each)$30
per item

ATM & Card

Duplicate Card$25
per item
Expedited Debit/Credit Card$50
one time

Wire Transfers

Domestic Wire Transfers (outgoing)$15
per item
International Wire Transfers (outgoing)$50
per item

Check Services

Third Party Bank Draft$5
Stop Payment - Corporate Drafts$30
per item
Stop Payment - Third Party Bank Draft$5
per item
Stop Payment for Bill Pay Items$42
per item
Stop payments: ACH$30
Stop payments: Personal Drafts$15
Copies of Statements$3
per item · Per statement
Share Draft Copy$3

Digital & Electronic

Returned bill pay item$45

Lending Fees

Loan Late Fee (after 15 days)$15

Other Fees

Copies of Statements (per statement)$3

Fee	Amount	Basis	Note
Account Maintenance
Closing account within 90 days of opening	$15	Not stated	None
Dormant Account Fee	$5	per month	After 1 year dormant
Returned Mail Fee	$20Not compared: Per-occurrence charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$15	per item	Transfer from share account to share draft account to cover insufficient funds check. Limited to 6 transfers per month.
NSF: Nonsufficient Funds Items (each)	$30	per item	None
ATM & Card
Duplicate Card	$25	per item	None
Expedited Debit/Credit Card	$50	one time	None
Wire Transfers
Domestic Wire Transfers (outgoing)	$15	per item	None
International Wire Transfers (outgoing)	$50	per item	None
Check Services
Third Party Bank Draft	$5	Not stated	None
Stop Payment - Corporate Drafts	$30	per item	None
Stop Payment - Third Party Bank Draft	$5	per item	None
Stop Payment for Bill Pay Items	$42	per item	None
Stop payments: ACH	$30	Not stated	None
Stop payments: Personal Drafts	$15	Not stated	None
Copies of Statements	$3	per item	Per statement
Share Draft Copy	$3	Not stated	None
Digital & Electronic
Returned bill pay item	$45	Not stated	None
Lending Fees
Loan Late Fee (after 15 days)	$15	Not stated	None
Other Fees
Copies of Statements (per statement)	$3	Not stated	None

Correct a fee source

Oct 26, 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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