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, $300M to $1B

Picatinny Federal Credit Union

Dover, 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

Inactive Account Fee, monthly - charged$10Within the typical range ($5–$10 nationally)

Membership accounts closed within 3 months of opening$25

$10 above the national median

Source

Online Banking with eStatement$0

At the national median

Source

Online Banking with Paper Statement, monthly$5

$2 above the national median

per month · Source

Share draft reconciliation per hour (must have reconciled within past 3 months)$15

$10 below the national median

Source

Overdraft & NSFVerified

Nonsufficient/Uncollected Funds 1$35Above the typical range ($25–$31 nationally)
$5 above the national median
Source
Transfer Fee - to cover overdraft from shares, each$10Above the typical range ($3–$5 nationally)
$5 above the national median
Source

ATM & CardVerified

Each ATM transaction, not our machine and not part of the Allpoint Network$3Above the typical range ($1–$2.50 nationally)
$1.25 above the national median
Source
Overnight Delivery - Visa Debit Card or PIN, each$30Within the typical range ($30–$50 nationally)
$10 below the national median
Source
Replace Visa Debit Card$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Wire Transfers (incoming) each$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
Wire Transfers (outgoing) each$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source

Check ServicesVerified

Cashier’s Check$10Above the typical range ($3–$5.75 nationally)
$5 above the national median
Source
Cashiers Checks$20Above the typical range ($3–$5.75 nationally)
$15 above the national median
Source
Draft or ACH Stop Payment, each$20Within the typical range ($20–$30 nationally)
$5 below the national median
Source
On-Us Check Cashing (for non-members)$5Within the typical range ($5–$10 nationally)
At the national median
Source

Cash & DepositVerified

Return Deposit item, each$25Within the typical range ($10–$25 nationally)
$10 above the national median
Source

Account ServicesVerified

Levies and Liens, each$60Within the typical range ($30–$75 nationally)
$10 above the national median
Source
Notary Service, non-members$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source

Retirement & IRAVerified

IRA Transfer/Closeout$50Above the typical range ($25–$35 nationally)
$25 above the national median
Source

Gift & Prepaid CardsVerified

Visa Gift Cards$4Within the typical range ($3–$4.47 nationally)
$0.50 above the national median
Source

Other FeesVerified

Copy of Statement or Share Draft, each$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
Inactive Account Fee, monthly - charged	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Membership accounts closed within 3 months of opening	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Online Banking with eStatement	$0Within the typical range ($0–$2 nationally)	At the national median	—	—	Source
Online Banking with Paper Statement, monthly	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per month	—	Source
Share draft reconciliation per hour (must have reconciled within past 3 months)	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Overdraft & NSFVerified
Nonsufficient/Uncollected Funds 1	$35Above the typical range ($25–$31 nationally)	$5 above the national median	—	—	Source
Transfer Fee - to cover overdraft from shares, each	$10
ATM & CardVerified
Each ATM transaction, not our machine and not part of the Allpoint Network	$3Above the typical range ($1–$2.50 nationally)	$1.25 above the national median	—	—	Source
Overnight Delivery - Visa Debit Card or PIN, each	$30
Wire TransfersVerified
Wire Transfers (incoming) each	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
Wire Transfers (outgoing) each	$30
Check ServicesVerified
Cashier’s Check	$10Above the typical range ($3–$5.75 nationally)	$5 above the national median	—	—	Source
Cashiers Checks	$20
Cash & DepositVerified
Return Deposit item, each	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Account ServicesVerified
Levies and Liens, each	$60Within the typical range ($30–$75 nationally)	$10 above the national median	—	—	Source
Notary Service, non-members	$5
Retirement & IRAVerified
IRA Transfer/Closeout	$50Above the typical range ($25–$35 nationally)	$25 above the national median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Cards	$4Within the typical range ($3–$4.47 nationally)	$0.50 above the national median	—	—	Source
Other FeesVerified
Copy of Statement or Share Draft, each	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source

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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.

NSF fee: $35

17% above the national median NSF fee

Total fees: 22 — leaner than most institutions

Headline fees published

10 of 15

Published fees

Under review

Assets

$459.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$459.1M

Total deposits

$401.8M

Service charge income (year to date)

$336K

Fee income ratio

3.0%

Return on assets

0.50%

Financial profile · Pro

Performance from regulator filings

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