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

Southern Middlesex Co Tchrs Federal Credit Union

East Brunswick, 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

Overdraft & NSFVerified

overdraft – ach and sharedraft$30Within the typical range ($25–$30 nationally)

Knox deterministic extraction from Rosetta artifact #9670. canonical_hint=overdraft; text_hash=54a43161f02e4ccdc4055bc847f4c8d37f51302e294360700bf09dd2102a1e04; excerpt="overdraft – ach and sharedraft | $30.00" · Source

Wire TransfersVerified

incoming wire$15Within the typical range ($5–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #9670. canonical_hint=wire_domestic_incoming; text_hash=54a43161f02e4ccdc4055bc847f4c8d37f51302e294360700bf09dd2102a1e04; excerpt="incoming wire | $15.00" · Source
outgoing wire domestic/international$35Below the typical range ($40–$50 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #9670. canonical_hint=wire_intl_outgoing; text_hash=54a43161f02e4ccdc4055bc847f4c8d37f51302e294360700bf09dd2102a1e04; excerpt="outgoing wire domestic/international | $35.00/$50.00" · Source

Check ServicesVerified

copy of check$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #9670. canonical_hint=check_image; text_hash=54a43161f02e4ccdc4055bc847f4c8d37f51302e294360700bf09dd2102a1e04; excerpt="copy of check | $ 5.00" · Source
stop payment -check$10Below the typical range ($20–$30 nationally)
$17 below the national median
Knox deterministic extraction from Rosetta artifact #9670. canonical_hint=stop_payment; text_hash=54a43161f02e4ccdc4055bc847f4c8d37f51302e294360700bf09dd2102a1e04; excerpt="stop payment -check | $10.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
overdraft – ach and sharedraft	$30Within the typical range ($25–$30 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #9670. canonical_hint=overdraft; text_hash=54a43161f02e4ccdc4055bc847f4c8d37f51302e294360700bf09dd2102a1e04; excerpt="overdraft – ach and sharedraft \| $30.00"	Source
Wire TransfersVerified
incoming wire	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #9670. canonical_hint=wire_domestic_incoming; text_hash=54a43161f02e4ccdc4055bc847f4c8d37f51302e294360700bf09dd2102a1e04; excerpt="incoming wire \| $15.00"	Source
outgoing wire domestic/international
Check ServicesVerified
copy of check	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #9670. canonical_hint=check_image; text_hash=54a43161f02e4ccdc4055bc847f4c8d37f51302e294360700bf09dd2102a1e04; excerpt="copy of check \| $ 5.00"	Source
stop payment -check	$10

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 5 — leaner than most institutions

Published fees

Under review

Assets

$48.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$48.4M

Total deposits

$43.4M

Service charge income (year to date)

$6K

Fee income ratio

0.60%

Return on assets

1.27%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 25,662 verified fees from 2,224 institutions

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