Current Fees

Our fee schedules are below. We do our best to keep them current, but ask us to be certain.

Membership and Savings Accounts

Membership Fee (one-time)
$25
Minimum balance $5
Monthly fee none
Each Reg D Transaction over monthly limit of 6 $3
Inactive account fee (after 2 years of inactivity) $15/month

General Services

ATM or ATM/debit card (new) $5
ATM or ATM/debit card (replacement of lost card) $10
ATM card urgent delivery via FedEx (domestic US only) $50
PIN retrieval urgent delivery via FedEx (domestic US only) $50
Box of checks (fees vary based on design features) $25.67
Cashiers check $7.50
EFT dispute, non-fraud $15
Image/Reprint of paid or deposited check $5
ITIN application $40
Money order $1.50
Notary services $2
NYCHA rent payment, non-members $2
Online and text banking free
Printout of account history $2
Reprint of official statements $7
Return of ACH item or check $25
Returned mail $2
Stop payment on a check or money order $25
Wire transfer, incoming free
Wire transfer, outgoing, domestic $30
Wire transfer, outgoing, international $50
Wire transfer, amendment / recall $20

Checking Accounts

Personal ATM Only Checking Account
Monthly fee if average balance falls below $1,200 $2.50
Each ATM withdrawal $1
Personal Simple Checking Account
Monthly fee if average balance falls below $1,200 $6
Each ATM withdrawal over monthly limit of 4 $1
Point of sale (debit) transactions free
Business or Association ATM Only Checking Account
Monthly Fee if average balance falls below $5,000 $15
Each ATM withdrawal $1
Business Unlimited Checking Account
Monthly fee if average balance falls below $15,000 $25
ATM and point of sale (debit) transactions free

Loan Fees

Secured, Unsecured or Auto Loan application fee
per applicant or co-signer
$25
Small Business Loan
Application fee: loan less than $15,000 $50
Application fee: loan above $15,000 $100
Origination fee 1.00%
Real Estate Loan
Credit check fee per applicant or co-signer $25
Application fee $200
Origination fee 0.50%
Flood certification fee $25
Subordination of mortgage request $250
Post-closing modification to match competitor rate $250
CEMA (consolidation, extension, modification agreement) $750
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