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

Essex County Teachers Federal Credit Union

Bloomfield, New JerseyCredit UnionNew York Fed districtFees collected Oct 5, 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

Account Closed Within 90 Days of Opening$10Within the typical range ($10–$25 nationally)

Escheatment$20

$15 above the national median

Source

Inactive Account$5

At the national median

per month · Source

Overdraft & NSFVerified

NSF Charge$20Below the typical range ($25–$31 nationally)
$10 below the national median
Source
Overdraft Fee$30Within the typical range ($25–$31 nationally)
At the national median
Source

ATM & CardVerified

Replacement/Additional Debit Card$15Above the typical range ($5–$10 nationally)
$5 above the national median
Source

Wire TransfersVerified

Outgoing Wire Transfer$20Within the typical range ($20–$25 nationally)
$3 below the national median
Source

Check ServicesVerified

Canceled Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Money Order$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Source
Official Check to 3rd Party$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$5 above the national median
Source

Digital & ElectronicVerified

Inactive Bill Pay Account$1Within the typical range ($0–$11.29 nationally)
$3.95 below the national median
per month · Source

Cash & DepositVerified

Returned Deposit Item/Loan Payment$30Above the typical range ($10–$25 nationally)
$15 above the national median
Source

Account ServicesVerified

By Phone Account Verification$5Below the typical range ($10–$15 nationally)
$5 below the national median
Source
By Phone Balance Inquiry$1Within the typical range ($1–$2 nationally)
At the national median
Source

Mortgage ServicingVerified

Lien Release Letter$5Below the typical range ($7.50–$21.50 nationally)
$5 below the national median
Source

Other FeesVerified

Nonmember loan application fee$10Below the typical range ($20–$35 nationally)
$19.50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed Within 90 Days of Opening	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Escheatment	$20Above the typical range ($5–$10 nationally)	$15 above the national median	—	—	Source
Inactive Account	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
NSF Charge	$20Below the typical range ($25–$31 nationally)	$10 below the national median	—	—	Source
Overdraft Fee	$30Within the typical range ($25–$31 nationally)
ATM & CardVerified
Replacement/Additional Debit Card	$15Above the typical range ($5–$10 nationally)	$5 above the national median	—	—	Source
Wire TransfersVerified
Outgoing Wire Transfer	$20Within the typical range ($20–$25 nationally)	$3 below the national median	—	—	Source
Check ServicesVerified
Canceled Check Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source
Money Order	$1Below the typical range ($1.75–$3 nationally)
Digital & ElectronicVerified
Inactive Bill Pay Account	$1Within the typical range ($0–$11.29 nationally)	$3.95 below the national median	per month	—	Source
Cash & DepositVerified
Returned Deposit Item/Loan Payment	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	—	Source
Account ServicesVerified
By Phone Account Verification	$5Below the typical range ($10–$15 nationally)	$5 below the national median	—	—	Source
By Phone Balance Inquiry	$1
Mortgage ServicingVerified
Lien Release Letter	$5Below the typical range ($7.50–$21.50 nationally)	$5 below the national median	—	—	Source
Other FeesVerified
Nonmember loan application fee	$10Below the typical range ($20–$35 nationally)	$19.50 below the national median	—	—	Source

Fee change alerts

Get an email when Essex County Teachers Federal Credit Union changes a fee

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

Work at Essex County Teachers Federal Credit Union? Benchmark it against peers, free

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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 17 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$21.8M

Work at Essex County Teachers 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. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$21.8M

Total deposits

$19.6M

Service charge income (year to date)

$92K

Fee income ratio

15.6%

Return on assets

0.25%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 31,319 verified fees from 2,405 institutions

See pricing