First Harvest Federal Credit Union

Headquarters: Deptford, New Jersey
Charter: Credit Union
Assets: $484.5M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 5, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 5, 2026

How these figures are measured

Call-report figures are for First Harvest Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Harvest Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: First Harvest Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $1.4M in Q2 2026, 13% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Monthly Maintenance
First Step Checking $3.99 · Growth Checking² $4.99
Compared at $4.49, the middle of its prices
First Harvest Federal Credit Union: $3.99 to $4.99
First Harvest Federal Credit Union: $3.99 to $4.99
U.S. median: no median
Overdraft (OD)
First Harvest Federal Credit Union: $24.99
First Harvest Federal Credit Union: $24.99
U.S. median: no median
NSF / Returned Item
First Harvest Federal Credit Union: $35
First Harvest 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 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York 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.
New York district: Banks and credit unions headquartered in the New York 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.

Fee income beside fee prices

Fee income rose 5.4% from Q3 2025 to Q2 2026, to $1.4M.

Fee income, Q2 2026

$1.4M

$1.3MQ3 2025

$1.3MQ4 2025

$1.3MQ1 2026

$1.4MQ2 2026

Against the median

First Harvest Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

First Harvest Federal Credit Union · $484M 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 17 states.

Credit unions only
$468M to $499M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Harvest Federal Credit Union(this institution)	Deptford, NJ	$484M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advantage Federal Credit Union	Rochester, NY	$498M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Alabama State Employees Federal Credit Union	Montgomery, AL	$471M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Century Federal Credit Union	Independence, OH	$470M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cme Federal Credit Union	Columbus, OH	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cornerstone Community Financial Federal Credit Union	Auburn Hills, MI	$470M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Dirigo Federal Credit Union	Lewiston, ME	$498M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Earthmover Federal Credit Union	Aurora, IL	$472M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fedchoice Federal Credit Union	Lanham, MD	$469M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Garden Savings Federal Credit Union	Parsippany, NJ	$496M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Healthcare Associates Federal Credit Union	Lisle, IL	$482M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jolt Federal Credit Union	Saginaw, MI	$484M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Land Of Lincoln Federal Credit Union	Decatur, IL	$499M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Loc Federal Credit Union	Farmington, MI	$485M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Maui County Federal Credit Union	Wailuku, HI	$488M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members Federal Credit Union	Winston Salem, NC	$477M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Millbury Federal Credit Union	Millbury, MA	$468M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
On Tap Federal Credit Union	Golden, CO	$474M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Suma Federal Credit Union	Yonkers, NY	$468M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tampa Bay Federal Credit Union	Tampa, FL	$494M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tidemark Federal Credit Union	Seaford, DE	$469M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Topside Federal Credit Union	Dahlgren, VA	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trax Federal Credit Union	Tampa, FL	$485M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Trona Valley Community Federal Credit Union	Green River, WY	$470M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Widget Federal Credit Union	Erie, PA	$480M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Winsouth Federal Credit Union	Gadsden, AL	$479M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.01 (40%) below the median of similar-sized credit unions.

Compared at $4.49, the middle of its two prices, against a peer median of $7.50 among 12 publishing peers.

Its two checking prices are $3.99 and $4.99.

$4.49 is a comparison price, not a fee anyone is charged.

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

First Harvest Federal Cre…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Harvest Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1.4M
vs prior quarter: +$88K+6.8%; from Q1 2026
vs a year earlier: +$160K+13.1%; from Q2 2025
vs start of range: +$10K+0.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: First Harvest Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1.4M	+$88K	+6.8%
Q1 2026	$1.3M	−$45K	−3.4%
Q4 2025	$1.3M	+$28K	+2.1%
Q3 2025	$1.3M	+$89K	+7.3%
Q2 2025	$1.2M	+$5K	+0.4%
Q1 2025	$1.2M	−$97K	−7.4%
Q4 2024	$1.3M	−$58K	−4.2%
Q3 2024	$1.4M	+$55K	+4.2%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Harvest Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

First Step Checking Monthly service charge$3.99
per month
Growth Checking Monthly service charge$4.99
per month · Account: Growth Checking²
Escheatment$100
Inactive 365 Days$3
per month
Inactive Account$10
per month
Inactive IRA Account$25
Not compared: Annual charge, not monthly
per year
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$4.99
per month
Bad Address$10
per month

Overdraft & NSF

Courtesy Pay$24.99
per item
Non-Sufficient Funds$35
per item
Overdraft Protection Transfer from Another Account$7
per item

Wire Transfers

WIRE TRANSFERS: Outgoing (Domestic)$30
per item
WIRE TRANSFERS: Incoming$10
per item

Check Services

Official Check$5
per item
Money Order$3
per item
Stop Payment$35
per item
Zelle Stop Payment$35
per item
Starter Checks$1
per item
Non-Member Check Cashing$10
per item
Copy of Check$7
per item
Copy of Check$5

Cash & Deposit

Deposited Item Returned$30
per item

Account Services

Legal Process Fee$100
per item
Subordination Agreement$150

Gift & Prepaid Cards

MASTERCARD® GIFT CARDS: Purchase$5
per item

Other Fees

Statement Copy$10
per item
Consumer Loan Extension/Skip Payment$35
Duplicate Lien Release$5
Loan Modification$225

Fee	Amount	Basis	Note
Account Maintenance
First Step Checking Monthly service charge	$3.99	per month	None
Growth Checking Monthly service charge	$4.99	per month	Account: Growth Checking²
Escheatment	$100	Not stated	None
Inactive 365 Days	$3	per month	None
Inactive Account	$10	per month	None
Inactive IRA Account	$25Not compared: Annual charge, not monthly	per year	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$4.99	per month	None
Bad Address	$10	per month	None
Overdraft & NSF
Courtesy Pay	$24.99	per item	None
Non-Sufficient Funds	$35	per item	None
Overdraft Protection Transfer from Another Account	$7	per item	None
Wire Transfers
WIRE TRANSFERS: Outgoing (Domestic)	$30	per item	None
WIRE TRANSFERS: Incoming	$10	per item	None
Check Services
Official Check	$5	per item	None
Money Order	$3	per item	None
Stop Payment	$35	per item	None
Zelle Stop Payment	$35	per item	None
Starter Checks	$1	per item	None
Non-Member Check Cashing	$10	per item	None
Copy of Check	$7	per item	None
Copy of Check	$5	Not stated	None
Cash & Deposit
Deposited Item Returned	$30	per item	None
Account Services
Legal Process Fee	$100	per item	None
Subordination Agreement	$150	Not stated	None
Gift & Prepaid Cards
MASTERCARD® GIFT CARDS: Purchase	$5	per item	None
Other Fees
Statement Copy	$10	per item	None
Consumer Loan Extension/Skip Payment	$35	Not stated	None
Duplicate Lien Release	$5	Not stated	None
Loan Modification	$225	Not stated	None

Correct a fee source

Oct 5, 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

Get an email when First Harvest Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.