First Harvest Federal Credit Union

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

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

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

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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.

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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.

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