Mercer County Nj Teachers Federal Credit Union

Headquarters: Hamilton Square, New Jersey
Charter: Credit Union
Assets: $52.2M
Fed district: New York

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

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

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

Monthly Maintenance
Mercer County Nj Teachers Federal Credit Union: No fee
Mercer County Nj Teachers Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Mercer County Nj Teachers Federal Credit Union: $30
Mercer County Nj Teachers Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $25, the middle of its prices
Mercer County Nj Teachers Federal Credit Union: $20 to $30
Mercer County Nj Teachers Federal Credit Union: $20 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 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 Mercer County Nj Teachers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking Account Monthly FeeNo charge
per month
Closed Acct (Open less than 6 months)No charge
Early Closing Fee (within first 12 months)$400
Dormant Acct (Inactivity > 2 Years) Per Month$3
per month
Account Reconciliation - Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Excess Withdrawal Fee (After 4 in a Month)No charge

Overdraft & NSF

ATM/Debit Card Overdraft$30
Early W/D, depending on Term - Up to 3 months Int: Loss of Int: Returned Check$20
Return Check Fee (Per Item) - Our Member NSF, etc$30
per item
Continuous Overdraft Fee (Per Day)No charge
per day
Overdraft Protection (From Shares) Per Occurrence$8
per item

ATM & Card

ATM Access Fee (8 free per month) after 8 per Month$1
ATM, Debit, and Visa Card Replacement$7
Card Replacement - RUSH$50

Wire Transfers

Wire Transfer - Domestic Outgoing$20
Wire Transfer - Domestic IncomingNo charge
Wire Transfer - International Outgoing$40
Wire Transfer - International Incoming$10

Check Services

Stop Payment - 1 Item$25
Stop Payment - Range of Checks$30
Temporary Checks - Per Sheet of 4 OnlyNo charge

Digital & Electronic

ACH Return Fee (Per Item)$30
per item
Internet Bill Pay Service (Per Month)No charge
per month

Cash & Deposit

ATM NSF (Return Deposit)$30
Returned Check$20

Account Services

Notary - MemberNo charge
Notary - Non Member$5
Continuous Overdraft Fee (Per Day): NONE: Levy/Writ$50
Not compared: Daily charge, not per item
per day
Legal Process/Research of Records - Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour

Lending Fees

Late Payment - Classic$15
Late Payment - Platinum$20
Loan Late Fee (audience not stated, treated as personal)5%($10 minimum)
Credit Report FeeNo charge
Appraisal FeeNo charge

Gift & Prepaid Cards

Gift Cards (Visa)$3.50
Monthly Fee: NONE: Travel Card Reload$2
Not compared: Monthly charge, not per item
per month

Other Fees

Fax Per PageNo charge
Written Request for Loan PayoffsNo charge

Fee	Amount	Basis	Note
Account Maintenance
Checking Account Monthly Fee	No charge	per month	None
Closed Acct (Open less than 6 months)	No charge	Not stated	None
Early Closing Fee (within first 12 months)	$400	Not stated	None
Dormant Acct (Inactivity > 2 Years) Per Month	$3	per month	None
Account Reconciliation - Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Excess Withdrawal Fee (After 4 in a Month)	No charge	Not stated	None
Overdraft & NSF
ATM/Debit Card Overdraft	$30	Not stated	None
Early W/D, depending on Term - Up to 3 months Int: Loss of Int: Returned Check	$20	Not stated	None
Return Check Fee (Per Item) - Our Member NSF, etc	$30	per item	None
Continuous Overdraft Fee (Per Day)	No charge	per day	None
Overdraft Protection (From Shares) Per Occurrence	$8	per item	None
ATM & Card
ATM Access Fee (8 free per month) after 8 per Month	$1	Not stated	None
ATM, Debit, and Visa Card Replacement	$7	Not stated	None
Card Replacement - RUSH	$50	Not stated	None
Wire Transfers
Wire Transfer - Domestic Outgoing	$20	Not stated	None
Wire Transfer - Domestic Incoming	No charge	Not stated	None
Wire Transfer - International Outgoing	$40	Not stated	None
Wire Transfer - International Incoming	$10	Not stated	None
Check Services
Stop Payment - 1 Item	$25	Not stated	None
Stop Payment - Range of Checks	$30	Not stated	None
Temporary Checks - Per Sheet of 4 Only	No charge	Not stated	None
Digital & Electronic
ACH Return Fee (Per Item)	$30	per item	None
Internet Bill Pay Service (Per Month)	No charge	per month	None
Cash & Deposit
ATM NSF (Return Deposit)	$30	Not stated	None
Returned Check	$20	Not stated	None
Account Services
Notary - Member	No charge	Not stated	None
Notary - Non Member	$5	Not stated	None
Continuous Overdraft Fee (Per Day): NONE: Levy/Writ	$50Not compared: Daily charge, not per item	per day	None
Legal Process/Research of Records - Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Lending Fees
Late Payment - Classic	$15	Not stated	None
Late Payment - Platinum	$20	Not stated	None
Loan Late Fee (audience not stated, treated as personal)	5%($10 minimum)	Not stated	None
Credit Report Fee	No charge	Not stated	None
Appraisal Fee	No charge	Not stated	None
Gift & Prepaid Cards
Gift Cards (Visa)	$3.50	Not stated	None
Monthly Fee: NONE: Travel Card Reload	$2Not compared: Monthly charge, not per item	per month	None
Other Fees
Fax Per Page	No charge	Not stated	None
Written Request for Loan Payoffs	No charge	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 17, 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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