North Jersey Federal Credit Union

Headquarters: Totowa, New Jersey
Charter: Credit Union
Assets: $255.6M
Fed district: New York

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Overdraft (OD)
North Jersey Federal Credit Union: $35
North Jersey Federal Credit Union: $35
U.S. median: no median
Stop Payment
North Jersey Federal Credit Union: $35
North Jersey Federal Credit Union: $35
U.S. median: no median
Cashier's Check
Compared at $3.50, the middle of its prices
North Jersey Federal Credit Union: $0 to $7
North Jersey Federal Credit Union: $0 to $7
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, 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 Jersey: Banks and credit unions headquartered in New Jersey 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 North Jersey Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (after 12 months)$10
per month
Escheatment (charged after 3 years of no activity)$100
Paper Statement Fee$3.50
Excessive Withdrawal Fee$2
Incorrect Address or Missing Address$10
per month

Overdraft & NSF

Courtesy Pay (share draft and electronic items)$35
Sweep (Overdraft Transfer) Limit 6 per Month$6
per item

ATM & Card

Debit Card Replacement$10
per item

Check Services

Cashier check (Payable to NJFCU member)No charge
Cashier’s check$7
Money Orders$3
Stop payment - Share Drafts (valid 6 mos.), ACH$35
per item
Temporary Check order (min 4 checks)$2
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

Online Bill PayNo charge

Cash & Deposit

Coin MachineNo charge

Account Services

NotaryNo charge
Safe Deposit Box Drilling$150
Not compared: Monthly charge, not annual
per month
Safe Deposit Box Late Fee$5
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key$20
Not compared: Box drilling or key fee
Levy Attachment$150
per item
Copy of Banking Document (Statement, Check: Verification of Deposit (Account or Mortgage)$15

Retirement & IRA

IRA Plan Termination$25

Gift & Prepaid Cards

Gift Card$2

Other Fees

Skip-A-Pay (June/July/August - 1 Month Only)$50

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (after 12 months)	$10	per month	None
Escheatment (charged after 3 years of no activity)	$100	Not stated	None
Paper Statement Fee	$3.50	Not stated	None
Excessive Withdrawal Fee	$2	Not stated	None
Incorrect Address or Missing Address	$10	per month	None
Overdraft & NSF
Courtesy Pay (share draft and electronic items)	$35	Not stated	None
Sweep (Overdraft Transfer) Limit 6 per Month	$6	per item	None
ATM & Card
Debit Card Replacement	$10	per item	None
Check Services
Cashier check (Payable to NJFCU member)	No charge	Not stated	None
Cashier’s check	$7	Not stated	None
Money Orders	$3	Not stated	None
Stop payment - Share Drafts (valid 6 mos.), ACH	$35	per item	None
Temporary Check order (min 4 checks)	$2Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin Machine	No charge	Not stated	None
Account Services
Notary	No charge	Not stated	None
Safe Deposit Box Drilling	$150Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box Late Fee	$5Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Levy Attachment	$150	per item	None
Copy of Banking Document (Statement, Check: Verification of Deposit (Account or Mortgage)	$15	Not stated	None
Retirement & IRA
IRA Plan Termination	$25	Not stated	None
Gift & Prepaid Cards
Gift Card	$2	Not stated	None
Other Fees
Skip-A-Pay (June/July/August - 1 Month Only)	$50	Not stated	None

Correct a fee source

Oct 11, 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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