Merck Employees Federal Credit Union

Headquarters: Rahway, New Jersey
Charter: Credit Union
Assets: $1.7B
Fed district: New York

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

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

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

NSF / Returned Item
Merck Employees Federal Credit Union: $15
Merck Employees Federal Credit Union: $15
U.S. median: no median
Wire Transfer (Domestic Out)
Merck Employees Federal Credit Union: $17
Merck Employees Federal Credit Union: $17
U.S. median: no median
Stop Payment
Merck Employees Federal Credit Union: $10
Merck Employees Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 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 Merck Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactivity Fee (After 1 Year of No Activity)$3
per month
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF$15
per item
Return item (Member Fee)$15
per item
Automatic Transfer from Savings to Cover an OverdraftNo charge

ATM & Card

Lost/Replacement Cards (1 Free Per Year)$10

Wire Transfers

Wire Transfer Domestic$17
per item
Wire Transfer (incoming)$10
per item

Check Services

Mailed Teller Checks Fee (including telephone teller)$5
Money Order$3
per item
Stop Payment$10
per item
Check (Share Draft) Copies$3
per item

Digital & Electronic

ACH Return Fee$25

Cash & Deposit

Deposited Item Return$15
per item

Lending Fees

Late Fee - Credit Card$25
Late Fee - Fixed Rate Home Equity Loan$30
Late Fee - Home Equity Line of Credit$30
Late Fee - Share Secured Loan$25
Late Fee - Unsecured Loan$25
Late Fee - Vehicle Loan$25

Other Fees

Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Inactivity Fee (After 1 Year of No Activity)	$3	per month	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF	$15	per item	None
Return item (Member Fee)	$15	per item	None
Automatic Transfer from Savings to Cover an Overdraft	No charge	Not stated	None
ATM & Card
Lost/Replacement Cards (1 Free Per Year)	$10	Not stated	None
Wire Transfers
Wire Transfer Domestic	$17	per item	None
Wire Transfer (incoming)	$10	per item	None
Check Services
Mailed Teller Checks Fee (including telephone teller)	$5	Not stated	None
Money Order	$3	per item	None
Stop Payment	$10	per item	None
Check (Share Draft) Copies	$3	per item	None
Digital & Electronic
ACH Return Fee	$25	Not stated	None
Cash & Deposit
Deposited Item Return	$15	per item	None
Lending Fees
Late Fee - Credit Card	$25	Not stated	None
Late Fee - Fixed Rate Home Equity Loan	$30	Not stated	None
Late Fee - Home Equity Line of Credit	$30	Not stated	None
Late Fee - Share Secured Loan	$25	Not stated	None
Late Fee - Unsecured Loan	$25	Not stated	None
Late Fee - Vehicle Loan	$25	Not stated	None
Other Fees
Statement Copy	$5	per item	None

Correct a fee source

Oct 10, 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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