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

Jersey Central Federal Credit Union

Cranford, New JerseyCredit UnionNew York Fed districtFees collected Feb 17, 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 Research/Dispute Research Fee$25Within the typical range ($20–$25 nationally)

Early Account Closure Fee Fee is assessed for accounts that are closed within 6 months of opening$25

$10 above the national median

Source

Paper Statement Fee Exemption for minors and members 65+$2

$1 below the national median

Source

Overdraft & NSFVerified

Overdraft Transfer Fee Movement of available funds by the credit union to cover payments$5Within the typical range ($3–$5 nationally)
At the national median
Source

ATM & CardVerified

Card Replacement Fee Excessive requests for card replacement$10Within the typical range ($5–$10 nationally)
At the national median
Source

Check ServicesVerified

ACH/Draft Stop Payment Fee$25Within the typical range ($20–$30 nationally)
At the national median
Source
Copy of Paid Member Check$5Within the typical range ($2–$5 nationally)
$2 above the national median
per item · Source
Teller Check Fee Teller check withdrawals less than$5Within the typical range ($3–$5.50 nationally)
At the national median
per transaction · Source
Teller Check Stop Payment Fee$35Above the typical range ($20–$30 nationally)
$10 above the national median
per item · Source

Account ServicesVerified

Levy Processing Fee Fee applies to levies, garnishments, etc. when funds are remitted$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source
Notary Public Services$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Source

Lending FeesVerified

Late Payment Fee Fee is assessed on each loan if payment is received more than 10 days after the due date$10Below the typical range ($15–$25 nationally)
$12.50 below the national median
per month · Source

Mortgage ServicingVerified

Loan Modification/Refinance$25Below the typical range ($35–$250 nationally)
$25 below the national median
Source

Gift & Prepaid CardsVerified

Visa Gift Card Activation Fee$2.50Below the typical range ($3–$4.50 nationally)
$1 below the national median
Source

Other FeesVerified

Loan Application Fees$15Below the typical range ($20–$35 nationally)
$14.50 below the national median
Source
Statement Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/Dispute Research Fee	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Early Account Closure Fee Fee is assessed for accounts that are closed within 6 months of opening	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Paper Statement Fee Exemption for minors and members 65+	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	—	Source
Overdraft & NSFVerified
Overdraft Transfer Fee Movement of available funds by the credit union to cover payments	$5Within the typical range ($3–$5 nationally)	At the national median	—	—	Source
ATM & CardVerified
Card Replacement Fee Excessive requests for card replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Check ServicesVerified
ACH/Draft Stop Payment Fee	$25Within the typical range ($20–$30 nationally)	At the national median	—	—	Source
Copy of Paid Member Check	$5
Account ServicesVerified
Levy Processing Fee Fee applies to levies, garnishments, etc. when funds are remitted	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	—	Source
Notary Public Services	$0
Lending FeesVerified
Late Payment Fee Fee is assessed on each loan if payment is received more than 10 days after the due date	$10Below the typical range ($15–$25 nationally)	$12.50 below the national median	per month	—	Source
Mortgage ServicingVerified
Loan Modification/Refinance	$25Below the typical range ($35–$250 nationally)	$25 below the national median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Card Activation Fee	$2.50Below the typical range ($3–$4.50 nationally)	$1 below the national median	—	—	Source
Other FeesVerified
Loan Application Fees	$15Below the typical range ($20–$35 nationally)	$14.50 below the national median	—	—	Source
Statement Copy Fee	$5

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Headline fees published

5 of 15

Published fees

Under review

Assets

$24.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$24.9M

Total deposits

$20.6M

Service charge income (year to date)

$93K

Fee income ratio

11.0%

Return on assets

-0.30%

Financial profile · Pro

Performance from regulator filings

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