vs. U.S. typical range:LowerTypicalHigher
$5 below the national median$4 below the New York median
per month · Source
At the national median$4.50 below the New York median
per month · Source
$2.50 above the national median$2.50 above the New York median
$25 below the national median$25 below the New York median
$20 below the national median$15 below the New York median
At the national medianAt the New York median
$1 above the national median$1 above the New York median
$1 above the national median$1 above the New York median
per transaction · Source
$10 below the national median$10 below the New York median
per item · Source
$25 below the national median$25 below the New York median
per item · Source
—
$25 below the national median$20 below the New York median
$5 below the national medianAt the New York median
At the national medianAt the New York median
per item · Source
$1.25 below the national median$1.25 below the New York median
$27.50 below the national median$25 below the New York median
$2.50 below the national median$2.50 below the New York median
$2.50 below the national median$2.50 below the New York median
$75 above the national median$65 above the New York median
$35 above the national median$25 above the New York median
$5 above the national median$5 below the New York median
$25 above the national median$15 above the New York median
$45 above the national median$35 above the New York median
$5 above the national median$5 below the New York median
per year · Source
At the national medianAt the New York median
$23.50 below the national median$19 below the New York median
$3 below the national median$3 below the New York median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| It’s easy to open. It makes banking more convenient. There are no minimum balance requirements or monthly service fees. | $1Below the typical range ($4–$10 nationally) | $5 below the national median$4 below the New York median | per month | — | Source |
| Low Balance/Inactivity Fee | $5Within the typical range ($5–$10 nationally) | At the national median$4.50 below the New York median | per month | — | Source |
| Research Fee (Minimum per hour) | $20Within the typical range ($11.38–$25 nationally) | $2.50 above the national median$2.50 above the New York median | — | — | Source |
Overdraft & NSFVerified | |||||
| Courtesy Pay Overdraft Fee | $5Below the typical range ($25–$33 nationally) | $25 below the national median$25 below the New York median | — | — | Source |
| Returned Item Fee | $10 | ||||
ATM & CardVerified | |||||
| ATM Withdrawals at Non-ESL ATMs1 | $2.50Above the typical range ($1–$2.25 nationally) | $1 above the national median$1 above the New York median | — | — | Source |
| Non-ESL Owned ATMs | $2.50 | ||||
Wire TransfersVerified | |||||
| Wire Transfer: Outgoing Domestic/Foreign | $25Below the typical range ($40–$50 nationally) | $25 below the national median$20 below the New York median | — | — | Source |
| Wire Transfer: Incoming Domestic & Foreign | $15 | ||||
Check ServicesVerified | |||||
| Certified Check | $5Within the typical range ($3–$6 nationally) | At the national medianAt the New York median | per item | — | Source |
| Money Order (for amounts of $2,000 or less) | $0.75 | ||||
Digital & ElectronicVerified | |||||
| ESL Online Bill Pay (via ESL Online Banking) | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$2.50 below the New York median | — | — | Source |
| Zelle® | $0 | ||||
Account ServicesVerified | |||||
| Safe Deposit Box 10” x 10” | $120Above the typical range ($30–$70 nationally) | $75 above the national median$65 above the New York median | — | — | Source |
| Safe Deposit Box 3” x 10” | $80 | ||||
Retirement & IRAVerified | |||||
| IRA Transfer to External Account | $25Within the typical range ($25–$35 nationally) | At the national medianAt the New York median | — | — | Source |
Other FeesVerified | |||||
| Overnight Mail Service | $6.50Below the typical range ($20–$40 nationally) | $23.50 below the national median$19 below the New York median | — | — | Source |
| Account Statement Copy | $0 | ||||
Overdraft
$5.00
Of 66 others that publish it, 1 lower, 1 the same and 64 higher.
Monthly maintenance
$1.00
Of 24 others that publish it, 10 lower, 1 the same and 13 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$5
Headline fees published
10 of 15
Published fees
26
Under review
0
Assets
$10.8B
Work at Esl Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$10.8B
Total deposits
$6.2B
Service charge income (year to date)
$7.3M
Fee income ratio
2.0%
Return on assets
2.26%
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $20 below the national median$15 below the New York median |
| — |
| — |
| Source |
| CheckOK (Overdraft from Savings) | $5Within the typical range ($2.50–$5 nationally) | At the national medianAt the New York median | — | — | Source |
| $1 above the national median$1 above the New York median |
| per transaction |
| — |
| Source |
| Replacement Fee | $0Below the typical range ($5–$10 nationally) | $10 below the national median$10 below the New York median | per item | — | Source |
| Rush Order | $15Below the typical range ($30–$50 nationally) | $25 below the national median$25 below the New York median | per item | — | Source |
| International Service Assessment | 1%of the transaction | — | — | — | Source |
| $5 below the national medianAt the New York median |
| — |
| — |
| Source |
| $1.25 below the national median$1.25 below the New York median |
| — |
| — |
| Source |
| Stop Payments | $0Below the typical range ($20–$30 nationally) | $27.50 below the national median$25 below the New York median | — | — | Source |
| $2.50 below the national median$2.50 below the New York median |
| — |
| — |
| Source |
| $35 above the national median$25 above the New York median |
| — |
| — |
| Source |
| Safe Deposit Box 3” x 5” | $50Within the typical range ($30–$70 nationally) | $5 above the national median$5 below the New York median | — | — | Source |
| Safe Deposit Box 4” x 6” | $70Within the typical range ($30–$70 nationally) | $25 above the national median$15 above the New York median | — | — | Source |
| Safe Deposit Box 5” x 10” | $90Above the typical range ($30–$70 nationally) | $45 above the national median$35 above the New York median | — | — | Source |
| Safe Deposit Boxes Annual Rental: 2” x 5” | $50Within the typical range ($30–$70 nationally) | $5 above the national median$5 below the New York median | per year | — | Source |
| $3 below the national median$3 below the New York median |
| — |
| — |
| Source |