Advantage Federal Credit Union

Headquarters: Rochester, New York
Charter: Credit Union
Assets: $497.5M
Fed district: New York

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
GuardID Checking
Advantage Federal Credit Union: $7
Advantage Federal Credit Union: $7
U.S. median: no median
Overdraft (OD)
Advantage Federal Credit Union: $36
Advantage Federal Credit Union: $36
U.S. median: no median
NSF / Returned Item
Advantage Federal Credit Union: $36
Advantage Federal Credit Union: $36
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Advantage Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

GuardID Checking monthly service fee$7
per month
Escheatment Fee$20

Overdraft & NSF

Courtesy Pay Overdraft Protection$36
per item
Insufficient Funds$36
per item
Overdraft Transfer Fee (from Savings)$7
per item

ATM & Card

Non-Advantage ATM after the first 5 transactions each month$2
per item
Debit Card Replacement (ONE FREE per year)$10
per item
Foreign transaction fee1%of the transaction

Wire Transfers

Wire Transfer - Outgoing International$40
per item

Check Services

Shared Branching Bank Check, Non-Members$5
Stop Payment$36
per item
Check Cashing, non-member$5
per item

Digital & Electronic

Account to Account/Person to Person/Zelle Failed Transfer$36
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposited Check Returned$20
per item

Account Services

Notary Fees for Non-Members$2
per item

Other Fees

Skip-A-Payment$35
per item

Fee	Amount	Basis	Note
Account Maintenance
GuardID Checking monthly service fee	$7	per month	None
Escheatment Fee	$20	Not stated	None
Overdraft & NSF
Courtesy Pay Overdraft Protection	$36	per item	None
Insufficient Funds	$36	per item	None
Overdraft Transfer Fee (from Savings)	$7	per item	None
ATM & Card
Non-Advantage ATM after the first 5 transactions each month	$2	per item	None
Debit Card Replacement (ONE FREE per year)	$10	per item	None
Foreign transaction fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Outgoing International	$40	per item	None
Check Services
Shared Branching Bank Check, Non-Members	$5	Not stated	None
Stop Payment	$36	per item	None
Check Cashing, non-member	$5	per item	None
Digital & Electronic
Account to Account/Person to Person/Zelle Failed Transfer	$36Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited Check Returned	$20	per item	None
Account Services
Notary Fees for Non-Members	$2	per item	None
Other Fees
Skip-A-Payment	$35	per item	None

Correct a fee source

Nov 1, 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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