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

Stewart'S Federal Credit Union

Saratoga Spring, New YorkCredit UnionNew York Fed districtFees collected Oct 6, 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

Account Research$20Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay of NSF check or ACH$20Below the typical range ($25–$32 nationally)
$10 below the national median
Source
Non Sufficient Funds (NSF)$20Below the typical range ($25–$31.50 nationally)
$10 below the national median
Source
Share Overdraft Transfer First 3 are$0Below the typical range ($3–$5 nationally)
$5 below the national median
Source

ATM & CardVerified

ATM Withdrawals (includes transfers)....................................................................................$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
per month · Source
Debit Card Replacement One (1)$0Below the typical range ($5–$10 nationally)
$10 below the national median
per year · Source

Wire TransfersVerified

Outgoing Domestic Wire$15Below the typical range ($20–$25 nationally)
$10 below the national median
Source
Outgoing International Wire$50Within the typical range ($40–$50 nationally)
At the national median
Source

Account ServicesVerified

Legal Process$20Below the typical range ($45–$150 nationally)
$80 below the national median
Source
Notary Service$2Within the typical range ($0–$5 nationally)
$0.50 below the national median
per item · Source

Gift & Prepaid CardsVerified

Gift Card Fee$2.95Below the typical range ($3–$4.50 nationally)
$0.55 below the national median
Source
Gift Card Fee$4.95Above the typical range ($3–$4.50 nationally)
$1.45 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
E-Statement	$0Within the typical range ($0–$2 nationally)	At the national median	—	—	Source
Escheat Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Share Account Dormant Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay of NSF check or ACH	$20Below the typical range ($25–$32 nationally)	$10 below the national median	—	—	Source
Non Sufficient Funds (NSF)	$20
ATM & CardVerified
ATM Withdrawals (includes transfers)....................................................................................	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	per month	—	Source
Debit Card Replacement One (1)	$0
Wire TransfersVerified
Outgoing Domestic Wire	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Outgoing International Wire	$50
Check ServicesVerified
Stop Payment	$10Below the typical range ($20–$30 nationally)	$16 below the national median	—	—	Source
Digital & ElectronicVerified
Bill Pay	$0Within the typical range ($0–$10.40 nationally)	$4.95 below the national median	—	—	Source
Cash & DepositVerified
Deposited Item Returned	$15Within the typical range ($10–$25 nationally)	At the national median	—	—	Source
Account ServicesVerified
Legal Process	$20Below the typical range ($45–$150 nationally)	$80 below the national median	—	—	Source
Notary Service	$2
Gift & Prepaid CardsVerified
Gift Card Fee	$2.95Below the typical range ($3–$4.50 nationally)	$0.55 below the national median	—	—	Source
Gift Card Fee	$4.95

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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

$20

Overdraft fee: $20

33% below the national median overdraft fee

Total fees: 18 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$47.3M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$47.3M

Total deposits

$42.8M

Service charge income (year to date)

$150K

Fee income ratio

12.3%

Return on assets

0.87%

Financial profile · Pro

Performance from regulator filings

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

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Based on 37,565 published fee entries from 2,624 institutions

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