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

First Harvest Federal Credit Union

Deptford, New JerseyCredit UnionNew York Fed districtFees collected Oct 5, 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

Account Research$30Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay¹$24.99Below the typical range ($25–$31 nationally)
$5.01 below the national median
Source
Non-Sufficient Funds$35Above the typical range ($25–$31 nationally)
$5 above the national median
per item · Source
Overdraft Protection Transfer from Another Account$7Above the typical range ($3–$5 nationally)
$2 above the national median
Source

Check ServicesVerified

Copy of Check$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Copy of Check$7Above the typical range ($2–$5 nationally)
$4 above the national median
Source
Money Order$3Within the typical range ($1.75–$3 nationally)
$1 above the national median
Source
Non-Member Check Cashing$10Within the typical range ($5–$10 nationally)
$5 above the national median
Source
Official Check$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Starter Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median
per item · Source
Stop Payment$35Above the typical range ($20–$30 nationally)
$10 above the national median
Source

Account ServicesVerified

Legal Process Fee$100Within the typical range ($35–$150 nationally)
At the national median
Source
Subordination Agreement$150Within the typical range ($35–$150 nationally)
$50 above the national median
Source

Mortgage ServicingVerified

Duplicate Lien Release$5Below the typical range ($7.50–$21.50 nationally)
$5 below the national median
Source
Loan Modification$225Within the typical range ($35–$250 nationally)
$175 above the national median
Source

Other FeesVerified

Consumer Loan Extension/Skip Payment$35Within the typical range ($20–$35 nationally)
$5.50 above the national median
Source
Statement Copy$10Above the typical range ($2–$5 nationally)
$7 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
eStatement	$0Within the typical range ($0–$2.13 nationally)	At the national median	—	—	Source
Inactive 365 Days	$3Below the typical range ($5–$10 nationally)	$2 below the national median	per month	—	Source
Inactive Account³	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Inactive IRA Account⁴	$25Above the typical range ($5–$10 nationally)	$20 above the national median	per year	—	Source
Paper Statement Fee	$4.99Within the typical range ($2–$5 nationally)	$1.99 above the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay¹	$24.99Below the typical range ($25–$31 nationally)	$5.01 below the national median	—	—	Source
Non-Sufficient Funds	$35
Check ServicesVerified
Copy of Check	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source
Copy of Check	$7
Cash & DepositVerified
Deposited Item Returned	$30Above the typical range ($10–$25 nationally)	$15 above the national median	per item	—	Source
Account ServicesVerified
Legal Process Fee	$100Within the typical range ($35–$150 nationally)	At the national median	—	—	Source
Subordination Agreement	$150
Mortgage ServicingVerified
Duplicate Lien Release	$5Below the typical range ($7.50–$21.50 nationally)	$5 below the national median	—	—	Source
Loan Modification	$225
Other FeesVerified
Consumer Loan Extension/Skip Payment	$35Within the typical range ($20–$35 nationally)	$5.50 above the national median	—	—	Source
Statement Copy	$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

$24.99

Overdraft fee: $24.99

17% below the national median overdraft fee

Total fees: 23 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$484.5M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$484.5M

Total deposits

$427.1M

Service charge income (year to date)

$2.7M

Fee income ratio

15.5%

Return on assets

0.35%

Financial profile · Pro

First Harvest Federal Credit Union

Published fees

Get an email when First Harvest Federal Credit Union changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

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