vs. U.S. typical range:LowerTypicalHigher
$2.50 below the national median$1.50 below the New York median
per month · Charged when minimum daily balance is not met; waived for club account holders · Institution’s schedule
$2.50 below the national median$1.50 below the New York median
$2 above the national median$2.50 below the New York median
per month · Assessed after 1 year of inactivity · Institution’s schedule
$7.50 below the national median$7.50 below the New York median
per transaction · Source
$12.50 below the national median$12.50 below the New York median
$1 below the national medianAt the New York median
per month · Does not apply to accountholders who are over 65, under 18, or who receive e-statements · Institution’s schedule
$1 below the national medianAt the New York median
$15 below the national median$15 below the New York median
per item · Source
$15 below the national median$15 below the New York median
per item · Source
$15 below the national median$10.75 below the New York median
per item · When overdraft coverage is not available · Institution’s schedule
At the national medianAt the New York median
per item · Institution’s schedule
$5 below the national median$5 below the New York median
per item · After 1st Free Non-Fraud Replacement · Institution’s schedule
$5 below the national median$5 below the New York median
per item · Source
$5 above the national median$5 above the New York median
per item · Institution’s schedule
$5 below the national median$5 below the New York median
per item · Source
$20 below the national median$15 below the New York median
per item · Source
$2 below the national median$2 below the New York median
per item · Institution’s schedule
$2 below the national median$2 below the New York median
per item · Source
$1 above the national medianAt the New York median
per item · For improperly formatted checks · Institution’s schedule
$2.50 below the national medianAt the New York median
per item · For checks and eligible electronic funds transfers · Institution’s schedule
$2.50 below the national medianAt the New York median
per item · Source
$3 below the national median$3 below the New York median
per item · Source
$0.50 below the national medianAt the New York median
per item · Source
$15 above the national median$10 above the New York median
$5 below the national medianAt the New York median
one time · Institution’s schedule
$1 below the national median$1 below the New York median
per item · Source
$2 above the national median$2 above the New York median
$337.50 above the national median$338.75 above the New York median
$12.50 below the national median$11.25 below the New York median
$17.50 below the national median$16.25 below the New York median
$2.50 above the national median$3.75 above the New York median
$137.50 above the national median$138.75 above the New York median
$37.50 above the national median$38.75 above the New York median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Share Draft Maintenance Fee | $3.50Below the typical range ($4–$10 nationally) | $2.50 below the national median$1.50 below the New York median | per month | Charged when minimum daily balance is not met; waived for club account holders | Institution’s schedule |
| Share Draft Maintenance Fee (when minimum daily balance is not met) | $3.50Below the typical range ($4–$10 nationally) | $2.50 below the national median$1.50 below the New York median | — | — | Source |
| Dormant Account Fee | $7Within the typical range ($5–$10 nationally) | $2 above the national median$2.50 below the New York median | per month | Assessed after 1 year of inactivity | Institution’s schedule |
| Excess Withdrawal Fee (applicable to club accounts only) | $10Below the typical range ($11–$25 nationally) | $7.50 below the national median$7.50 below the New York median | per transaction | — | Source |
| Incorrect Address Fee | $5Below the typical range ($11–$25 nationally) | $12.50 below the national median$12.50 below the New York median | — | — | Source |
| Paper Statement Fee | $2Within the typical range ($2–$4.85 nationally) | $1 below the national medianAt the New York median | per month | Does not apply to accountholders who are over 65, under 18, or who receive e-statements | Institution’s schedule |
| Paper Statement Fee (does not apply to accountholders who are over 65, under 18, or who receive e-statements) | $2Within the typical range ($2–$4.85 nationally) | $1 below the national medianAt the New York median | — | — | Source |
Overdraft & NSFVerified | |||||
| Insufficient Funds Fee (when overdraft coverage is not available) | $15Below the typical range ($25–$33 nationally) | $15 below the national median$15 below the New York median | per item | — | Source |
| Overdraft Courtesy Pay Fee | $15 | ||||
ATM & CardVerified | |||||
| Replacement Debit Card Fee | $5Within the typical range ($5–$10 nationally) | $5 below the national median$5 below the New York median | per item | After 1st Free Non-Fraud Replacement | Institution’s schedule |
| Replacement Debit Card Fee (after 1st Free Non-Fraud Replacement) | |||||
Wire TransfersVerified | |||||
| Outgoing Wire Transfer Fee - Domestic | $30Above the typical range ($20–$25 nationally) | $5 above the national median$5 above the New York median | per item | — | Institution’s schedule |
| Incoming Wire Transfer Fee | $5 | ||||
Check ServicesVerified | |||||
| Cashier's Checks | $3Within the typical range ($3–$6 nationally) | $2 below the national median$2 below the New York median | per item | — | Institution’s schedule |
| Cashier’s Checks | $3 | ||||
Account ServicesVerified | |||||
| Notary Fee | $2Within the typical range ($0–$5 nationally) | $0.50 below the national medianAt the New York median | per item | — | Source |
Lending FeesVerified | |||||
| Late Payment Fee (for payment after 10th of the month) | $35Above the typical range ($10–$25 nationally) | $15 above the national median$10 above the New York median | — | — | Source |
| Loan Modification Fee | $25 | ||||
Other FeesVerified | |||||
| Check/Deposit Slip/Withdrawal Slip Photocopy Fee | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the New York median | per item | — | Source |
| Statement Copies Fee (for statements older than 1 year) | $5 | ||||
Overdraft
$15.00
Of 66 others that publish it, 5 lower, 7 the same and 54 higher.
Monthly maintenance
$3.50
Of 25 others that publish it, 16 lower, 1 the same and 8 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
$15
Headline fees published
11 of 15
Published fees
33
Under review
0
Assets
$4.4M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$4.4M
Total deposits
$2.7M
Service charge income (year to date)
$24K
Fee income ratio
8.9%
Return on assets
-0.26%
Financial profile · Pro
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| $15 below the national median$15 below the New York median |
| per item |
| — |
| Source |
| Insufficient Funds Fee | $15Below the typical range ($25–$32 nationally) | $15 below the national median$10.75 below the New York median | per item | When overdraft coverage is not available | Institution’s schedule |
| Overdraft Protection Fee | $5Within the typical range ($2.50–$5 nationally) | At the national medianAt the New York median | per item | — | Institution’s schedule |
| $5Within the typical range ($5–$10 nationally) |
| $5 below the national median$5 below the New York median |
| per item |
| — |
| Source |
| $5 below the national median$5 below the New York median |
| per item |
| — |
| Source |
| Outgoing Wire Transfer Fee – Domestic // International | $30Below the typical range ($40–$50 nationally) | $20 below the national median$15 below the New York median | per item | — | Source |
| $2 below the national median$2 below the New York median |
| per item |
| — |
| Source |
| Rejected Check Fee | $2Within the typical range ($0–$15 nationally) | $1 above the national medianAt the New York median | per item | For improperly formatted checks | Institution’s schedule |
| Stop Payment Fee | $25Within the typical range ($20–$30 nationally) | $2.50 below the national medianAt the New York median | per item | For checks and eligible electronic funds transfers | Institution’s schedule |
| Stop Payment Fee (for checks and eligible electronic funds transfers) | $25Within the typical range ($20–$30 nationally) | $2.50 below the national medianAt the New York median | per item | — | Source |
| Check Cashing Fee | $2Below the typical range ($5–$10 nationally) | $3 below the national median$3 below the New York median | per item | — | Source |
| $5 below the national medianAt the New York median |
| one time |
| — |
| Institution’s schedule |
| $2 above the national median$2 above the New York median |
| — |
| — |
| Source |
| Loan Modification Application Fee | $375Above the typical range ($25–$100 nationally) | $337.50 above the national median$338.75 above the New York median | — | — | Source |
| Loan Modification Fee | $25Within the typical range ($25–$100 nationally) | $12.50 below the national median$11.25 below the New York median | — | — | Source |
| Non-Refundable Credit Builder Loan Application Fee | $20Below the typical range ($25–$100 nationally) | $17.50 below the national median$16.25 below the New York median | — | — | Source |
| Non-Refundable Personal Loan Application Fee | $40Within the typical range ($25–$100 nationally) | $2.50 above the national median$3.75 above the New York median | — | — | Source |
| Non-Refundable Small Business Loan Application Fee | $175Above the typical range ($25–$100 nationally) | $137.50 above the national median$138.75 above the New York median | — | — | Source |
| Non-Refundable Vehicle Loan Application Fee | $75Within the typical range ($25–$100 nationally) | $37.50 above the national median$38.75 above the New York median | — | — | Source |