O And R Utilities Employees Federal Credit Union

Headquarters: Monroe, New York
Charter: Credit Union
Assets: $34.7M
Fed district: New York

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

Source: its fee schedule, read Feb 17, 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
O And R Utilities Employees Federal Credit Union: $29
O And R Utilities Employees Federal Credit Union: $29
U.S. median: no median
Non-Network ATM
O And R Utilities Employees Federal Credit Union: $2
O And R Utilities Employees Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
O And R Utilities Employees Federal Credit Union: $29
O And R Utilities Employees Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 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 O And R Utilities Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Money Market Below Minimum Balance$20
per month · when balance falls below $2,500
Abandoned Property$75
I-Pay Inactivity Fee$5
per month · 3 months with no activity
Inactive Acct (2 Yrs No Activity, over 18): Quarterly$10
Not compared: Quarterly charge, not monthly
per quarter
Reconcilement of Account$30
varies · per hour

Overdraft & NSF

Returned Draft or ACH Payment$29
per item
Transfer From Shares to Share Draft to Cover Overdraft$10
per item

ATM & Card

Out of Network ATM Fee$2
per item · per transaction
Out of Our Network ATM Fee: per Transaction$2
per transaction
Replacement Of Visa ATM/Debit Card$5

Wire Transfers

Domestic Wire Transfer - Outgoing$29
per item
Foreign Wire Transfer - Outgoing$60
per item

Check Services

CU Official Check$5
per item · payable to third party
CU Official Check, Payable To Third Party$5
Stop Payment - ACH Payment$29
per item
Photocopy of Drafts$5
per item · per item

Digital & Electronic

Online Loan Payment Return Fee$10
Not compared: Per-occurrence charge, not monthly
per item · Propay

Account Services

Legal Process (ex: Levy, Notices, Trusts)$100
Legal Process Fee$100
per item · e.g., levy, notices, trusts
Account Verification$15
per item

Other Fees

Statement Copy over 90 days$5

Fee	Amount	Basis	Note
Account Maintenance
Money Market Below Minimum Balance	$20	per month	when balance falls below $2,500
Abandoned Property	$75	Not stated	None
I-Pay Inactivity Fee	$5	per month	3 months with no activity
Inactive Acct (2 Yrs No Activity, over 18): Quarterly	$10Not compared: Quarterly charge, not monthly	per quarter	None
Reconcilement of Account	$30	varies	per hour
Overdraft & NSF
Returned Draft or ACH Payment	$29	per item	None
Transfer From Shares to Share Draft to Cover Overdraft	$10	per item	None
ATM & Card
Out of Network ATM Fee	$2	per item	per transaction
Out of Our Network ATM Fee: per Transaction	$2	per transaction	None
Replacement Of Visa ATM/Debit Card	$5	Not stated	None
Wire Transfers
Domestic Wire Transfer - Outgoing	$29	per item	None
Foreign Wire Transfer - Outgoing	$60	per item	None
Check Services
CU Official Check	$5	per item	payable to third party
CU Official Check, Payable To Third Party	$5	Not stated	None
Stop Payment - ACH Payment	$29	per item	None
Photocopy of Drafts	$5	per item	per item
Digital & Electronic
Online Loan Payment Return Fee	$10Not compared: Per-occurrence charge, not monthly	per item	Propay
Account Services
Legal Process (ex: Levy, Notices, Trusts)	$100	Not stated	None
Legal Process Fee	$100	per item	e.g., levy, notices, trusts
Account Verification	$15	per item	None
Other Fees
Statement Copy over 90 days	$5	Not stated	None

Correct a fee source

Feb 17, 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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