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

I Am Federal Credit Union

New York, New YorkCredit UnionNew York Fed districtFees collected Oct 7, 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

Monthly Low Balance Fee$1Below the typical range ($5–$10 nationally)

ATM & CardVerified

ATM Service Charge after 4 withdrawals$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.50 below the New York median
Source
Balance Inquiry$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.50 below the New York median
Source
Replacement ATM/Check Cards$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the New York median
per item · Source

Check ServicesVerified

Check Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national medianAt the New York median
Source
Photocopy Charge (per check)$5Within the typical range ($2–$5 nationally)
$2 above the national medianAt the New York median
per item · Source

Lending FeesVerified

Overdraft Line of Credit Late Payment Fee$15Within the typical range ($10–$25 nationally)
$5 below the national median$10 below the New York median
Source
Credit Report Fee$10Below the typical range ($20.08–$71.25 nationally)
$22 below the national median$15 below the New York median
Source

Other FeesVerified

Photocopy Charge (per statement period)$7Above the typical range ($2–$5 nationally)
$4 above the national median$4 above the New York median
per month · Source
Short Term Loan Application Fee$15Below the typical range ($25–$100 nationally)
$22.50 below the national median$22.50 below the New York median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly Low Balance Fee	$1Below the typical range ($5–$10 nationally)	$6 below the national median$6.50 below the New York median	per month	—	Source
Account Closing Fee within 90 days	$15Within the typical range ($10–$25 nationally)	$2.50 below the national medianAt the New York median	—	—	Source
Inactive/Dormant Account Monthly Fee	$5Within the typical range ($5–$10 nationally)	At the national median$5 below the New York median	per month	—	Source
Paper Statement	$3Within the typical range ($2–$4.68 nationally)	At the national median$0.75 above the New York median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the New York median	—	—	Source
ATM & CardVerified
ATM Service Charge after 4 withdrawals	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$0.50 below the New York median	—	—	Source
Balance Inquiry	$1
Check ServicesVerified
Check Stop Payment	$25Within the typical range ($20–$30 nationally)	$2.50 below the national medianAt the New York median	—	—	Source
Photocopy Charge (per check)	$5
Account ServicesVerified
Tax Levy/Subpoena	$30Within the typical range ($30–$90 nationally)	$20 below the national median$45 below the New York median	—	—	Source
Lending FeesVerified
Overdraft Line of Credit Late Payment Fee	$15Within the typical range ($10–$25 nationally)	$5 below the national median$10 below the New York median	—	—	Source
Credit Report Fee	$10
Other FeesVerified
Photocopy Charge (per statement period)	$7Above the typical range ($2–$5 nationally)	$4 above the national median$4 above the New York median	per month	—	Source
Short Term Loan Application Fee	$15

Fee change alerts

Get an email when I Am Federal Credit Union changes its collection items

One email when a verified fee you follow changes. Nothing else unless you ask for it.

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

$25

Overdraft fee: $25

17% below the national median overdraft fee

15 verified fees collected

Headline fees published

6 of 15

Published fees

Under review

Assets

$103.2M

Work at I Am Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. From $300: we reply within one business day with scope and price.

Request the report

Paid report from $300 · quote within 1 business day

Correct or add a fee source

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.

See Pro plans

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$103.2M

Total deposits

$93.0M

Service charge income (year to date)

$391K

Fee income ratio

13.4%

Return on assets

0.44%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 66,090 published fee entries from 3,612 institutions

See pricing