16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
Stop Payment
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Bay Atlantic Federal Credit Union · $97M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bay Atlantic Federal Credit Union(this institution) | Vineland, NJ | $97M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Afena Federal Credit Union | Marion, IN | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Athol Federal Credit Union | Athol, MA | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Concho Educators Federal Credit Union | San Angelo, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connects Federal Credit Union | Richmond, VA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Choice Federal Credit Union | New Castle, PA | $95M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Class Community Federal Credit Union | West Des Moines, IA | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Heritage USA Federal Credit Union | Midland, TX | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Journey Federal Credit Union | Des Moines, IA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lower Columbia Longshoremen Federal Credit Union | Longview, WA | $96M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lufthansa Emp. Federal Credit Union | Westbury, NY | $95M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Members Community Federal Credit Union | Muscatine, IA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Point West Federal Credit Union | Portland, OR | $98M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Postal & Community Federal Credit Union | Saint Joseph, MO | $95M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Ridgedale Federal Credit Union | East Hanover, NJ | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sno Falls Federal Credit Union | North Bend, WA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Pius X Church Federal Credit Union | Rochester, NY | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tampa Postal Federal Credit Union | Tampa, FL | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Members 1St Federal Credit Union | Oak Ridge, TN | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Texas Bridge Federal Credit Union | Corpus Christi, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Dps Federal Credit Union | Austin, TX | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unity Catholic Federal Credit Union | Parma, OH | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Universal Federal Credit Union | Huntington, WV | $100M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Va Desert Pacific Federal Credit Union | Long Beach, CA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Washington County Teachers Federal Credit Union | Hagerstown, MD | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wnc Community Credit Union | Waynesville, NC | $96M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 8 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Bay Atlantic Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Amounts from Bay Atlantic Federal Credit Union’s own schedules, with a source for each figure.
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account Electronic Bill Payer | No charge | Not stated | None |
| Account Research $30.00/Hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement | $1 | per month | None |
| Returned Mail | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft fee | $30 | per item | None |
| Share Account Minimum | Balance on account after 90 | Courtesy Pay | $30 | per item | None |
ATM & Card | |||
| Non-Bay Atlantic ATM | $1 | per item | None |
| Share ATM Card | $3Not compared: Monthly charge, not per item | per month | None |
Wire Transfers | |||
| Wire Transfer | $20Not compared: Monthly charge, not per item | per month | None |
Check Services | |||
| Certified Check | $5 | per item | None |
| Money Order | $2 | per item | None |
| ACH Stop Payment | $20 | per item | None |
| Stop Payment | $20 | per item | None |
| Temporary Drafts | $1 | per item | Per 4 checks |
| Paid Share Draft Copy | $5 | per item | None |
Cash & Deposit | |||
| Deposit Item Return | $25 | per item | None |
Account Services | |||
| Notary | No charge | Not stated | None |
| Levies and Liens | $100 | Not stated | None |
| Account Verification | $5 | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $5 | Not stated | None |
Other Fees | |||
| Statement Copy | $1 | per item | None |
Oct 15, 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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