Jersey Central Federal Credit Union

Headquarters: Cranford, New Jersey
Charter: Credit Union
Assets: $24.9M
Fed district: New York

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Stop Payment
Compared at $30, the middle of its prices
Jersey Central Federal Credit Union: $25 to $35
Jersey Central Federal Credit Union: $25 to $35
U.S. median: no median
Cashier's Check
Jersey Central Federal Credit Union: $5
Jersey Central Federal Credit Union: $5
U.S. median: no median
OD Protection Transfer
Jersey Central Federal Credit Union: $5
Jersey Central Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 Jersey Central Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure Fee Fee is assessed for accounts that are closed within 6 months of opening$25
Account Research/Dispute Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee Exemption for minors and members 65+$2
Invalid Address Fee$5
per month

Overdraft & NSF

Overdraft Transfer Fee Movement of available funds by the credit union to cover payments$5
per item

ATM & Card

Card Replacement Fee Excessive requests for card replacement$10

Check Services

Alternate Payee Fee Teller check withdrawals made payable to third party$5
per item
Stale Dated Check Fee Teller checks not cashed within 90 days of issuance$5
per item
Teller Check Fee Teller check withdrawals less than $500.00$5
per transaction
ACH/Draft Stop Payment Fee$25
per item
Teller Check Stop Payment Fee$35
per item
Copy of Paid Member Check$5
per item

Account Services

Notary Public ServicesNo charge
Levy Processing Fee$25
per item

Lending Fees

Late Payment Fee Fee is assessed on each loan if payment is received more than 10 days after the due date$10
per item

Gift & Prepaid Cards

Visa Gift Card Activation Fee$2.50
per item

Other Fees

Statement Copy Fee$5
Loan Application Fees$15
Loan Modification/Refinance$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee Fee is assessed for accounts that are closed within 6 months of opening	$25	Not stated	None
Account Research/Dispute Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee Exemption for minors and members 65+	$2	Not stated	None
Invalid Address Fee	$5	per month	None
Overdraft & NSF
Overdraft Transfer Fee Movement of available funds by the credit union to cover payments	$5	per item	None
ATM & Card
Card Replacement Fee Excessive requests for card replacement	$10	Not stated	None
Check Services
Alternate Payee Fee Teller check withdrawals made payable to third party	$5	per item	None
Stale Dated Check Fee Teller checks not cashed within 90 days of issuance	$5	per item	None
Teller Check Fee Teller check withdrawals less than $500.00	$5	per transaction	None
ACH/Draft Stop Payment Fee	$25	per item	None
Teller Check Stop Payment Fee	$35	per item	None
Copy of Paid Member Check	$5	per item	None
Account Services
Notary Public Services	No charge	Not stated	None
Levy Processing Fee	$25	per item	None
Lending Fees
Late Payment Fee Fee is assessed on each loan if payment is received more than 10 days after the due date	$10	per item	None
Gift & Prepaid Cards
Visa Gift Card Activation Fee	$2.50	per item	None
Other Fees
Statement Copy Fee	$5	Not stated	None
Loan Application Fees	$15	Not stated	None
Loan Modification/Refinance	$25	per item	None

Correct a fee source

Oct 9, 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.

Fee change alerts

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