Members 1St Of Nj Federal Credit Union

Headquarters: Vineland, New Jersey
Charter: Credit Union
Assets: $134.2M
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

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

Monthly Maintenance
Can be waived with a minimum balance of $500 or more.
Members 1St Of Nj Federal Credit Union: $10
Members 1St Of Nj Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Members 1St Of Nj Federal Credit Union: $35
Members 1St Of Nj Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Members 1St Of Nj Federal Credit Union: $35
Members 1St Of Nj Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia 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.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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 Members 1St Of Nj Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee (if minimum balance is not maintained)$10
per month
Closing within 90 days$20
Escheat Fee$50
Inactive IRA Account Fee (after 1 year and account balance is under $500.00)$25
Not compared: CD/IRA fee
Monthly Dormant Account (no activity for 1 year on balances below $100)$5
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Research $30.00 per hour
Paper Statement Fee$2
Bad Address Fee$5

Overdraft & NSF

ATM Overdraft Fee$35
Courtesy pay fee (audience not stated, treated as personal)$35
per item
Courtesy Pay Fee$35
NSF Fee$35
Overdraft Transfer$7

ATM & Card

ATM/Visa Replacement Fee$10

Wire Transfers

Domestic Wire Outgoing$15
Domestic Wire Incoming$5
International Wire Outgoing$35
International Wire Incoming$15

Check Services

Certified Check$20
Money Order Fee$2
ACH Stop Payment – available funds$15
ACH Stop Payment – unavailable funds$35
Bill Pay Item Stop Payment$25
Cashier Check Stop Payment$20
Money Order Stop Payment$20
Stop Payment – available funds$15
Stop Payment – unavailable funds$35
Temporary Checks$2
Foreign Draft Collection$25
Check Copy – staff retrieval$5
Copy of Cashier Check$5

Cash & Deposit

Coin Counting (non-member)5%
Return Deposited Item$17

Account Services

Notary (non-member)$20
Late Fee (over 30 days)$15
Not compared: Box drilling or key fee
Lost Key Fee$30
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10 Box Annual Rent$100
per year
Safe Deposit Box 3 x 10 Box Annual Rent$55
per year
Safe Deposit Box 5 x 10 Box Annual Rent$80
per year
Safe Deposit Box 5 x 5 Box Annual Rent$50
per year
Levy Fee$50

Lending Fees

Late Payment (after 10 days)$25

Gift & Prepaid Cards

Visa Gift Card Fee (over $500.00)$4
Visa Gift Card Fee (up to $500.00)$3

Other Fees

Document Copy$5
Statement Copy – staff retrieval$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee (if minimum balance is not maintained)	$10	per month	None
Closing within 90 days	$20	Not stated	None
Escheat Fee	$50	Not stated	None
Inactive IRA Account Fee (after 1 year and account balance is under $500.00)	$25Not compared: CD/IRA fee	Not stated	None
Monthly Dormant Account (no activity for 1 year on balances below $100)	$5	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Research $30.00 per hour
Paper Statement Fee	$2	Not stated	None
Bad Address Fee	$5	Not stated	None
Overdraft & NSF
ATM Overdraft Fee	$35	Not stated	None
Courtesy pay fee (audience not stated, treated as personal)	$35	per item	None
Courtesy Pay Fee	$35	Not stated	None
NSF Fee	$35	Not stated	None
Overdraft Transfer	$7	Not stated	None
ATM & Card
ATM/Visa Replacement Fee	$10	Not stated	None
Wire Transfers
Domestic Wire Outgoing	$15	Not stated	None
Domestic Wire Incoming	$5	Not stated	None
International Wire Outgoing	$35	Not stated	None
International Wire Incoming	$15	Not stated	None
Check Services
Certified Check	$20	Not stated	None
Money Order Fee	$2	Not stated	None
ACH Stop Payment – available funds	$15	Not stated	None
ACH Stop Payment – unavailable funds	$35	Not stated	None
Bill Pay Item Stop Payment	$25	Not stated	None
Cashier Check Stop Payment	$20	Not stated	None
Money Order Stop Payment	$20	Not stated	None
Stop Payment – available funds	$15	Not stated	None
Stop Payment – unavailable funds	$35	Not stated	None
Temporary Checks	$2	Not stated	None
Foreign Draft Collection	$25	Not stated	None
Check Copy – staff retrieval	$5	Not stated	None
Copy of Cashier Check	$5	Not stated	None
Cash & Deposit
Coin Counting (non-member)	5%	Not stated	None
Return Deposited Item	$17	Not stated	None
Account Services
Notary (non-member)	$20	Not stated	None
Late Fee (over 30 days)	$15Not compared: Box drilling or key fee	Not stated	None
Lost Key Fee	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10 Box Annual Rent	$100	per year	None
Safe Deposit Box 3 x 10 Box Annual Rent	$55	per year	None
Safe Deposit Box 5 x 10 Box Annual Rent	$80	per year	None
Safe Deposit Box 5 x 5 Box Annual Rent	$50	per year	None
Levy Fee	$50	Not stated	None
Lending Fees
Late Payment (after 10 days)	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card Fee (over $500.00)	$4	Not stated	None
Visa Gift Card Fee (up to $500.00)	$3	Not stated	None
Other Fees
Document Copy	$5	Not stated	None
Statement Copy – staff retrieval	$5	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 26, 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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