Compared with New Jersey
13 of 26
compared fees are above the median.
6 below, 7 about the same.
About the same: within 1% of the median.
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
80th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 26 compared; 6 below, 7 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Raritan Bay 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) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the New Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Raritan Bay Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (80th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $173K in Q2 2026, 4.4% below the same quarter a year earlier ($181K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
13 of 26 compared published fees sit above the New Jersey median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Jersey medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Flex Checking
Overdraft (OD)
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.
Fee income fell 1.7% from Q3 2025 to Q2 2026, to $173K. Its share of revenue, 13%, is above the 7.2% median for credit unions with under $300M in assets.
$173K
Raritan Bay Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Raritan Bay Federal Credit Union · $108M 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 |
|---|---|---|---|---|---|---|---|
| Raritan Bay Federal Credit Union(this institution) | Sayreville, NJ | $108M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advanced Financial Federal Credit Union | New Providence, NJ | $107M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Federal Credit Union | Newton, IA | $106M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ascension Federal Credit Union | Gonzales, LA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bay Area Federal Credit Union | Oregon, OH | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cherokee Strip Federal Credit Union | Ponca City, OK | $106M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmway Federal Credit Union | Beloit, KS | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First California Federal Credit Union | Fresno, CA | $110M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Eagle Federal Credit Union | Owings Mills, MD | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hibbing Cooperative Federal Credit Union | Hibbing, MN | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Kaiperm Federal Credit Union | Walnut Creek, CA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lassen County Federal Credit Union | Susanville, CA | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Membersfirst Ct Federal Credit Union | Meriden, CT | $107M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Membersown Federal Credit Union | Lincoln, NE | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Money One Federal Credit Union | Largo, MD | $105M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Onenebraska Federal Credit Union | Columbus, NE | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Palco Fcu Federal Credit Union | Muncy, PA | $109M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rancho Federal Credit Union | Downey, CA | $109M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Roanoke Valley Community Federal Credit Union | Roanoke, VA | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rockdale Federal Credit Union | Rockdale, TX | $108M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Seaport Federal Credit Union | Elizabeth, NJ | $110M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Local Federal Credit Union | Sterling Heights, MI | $107M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Valley 1St Community Federal Credit Union | Monessen, PA | $107M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vue Community Federal Credit Union | Bismarck, ND | $106M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Weld Community Federal Credit Union | Greeley, CO | $110M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Worcester Federal Credit Union | Worcester, MA | $107M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $5.95 among 13 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
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.
Call reports for Raritan Bay Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $173K | +$5K | +3.0% |
| Q1 2026 | $168K | −$15K | −8.2% |
| Q4 2025 | $183K | +$7K | +4.0% |
| Q3 2025 | $176K | −$5K | −2.8% |
| Q2 2025 | $181K | +$12K | +7.1% |
| Q1 2025 | $169K | −$10K | −5.6% |
| Q4 2024 | $179K | +$4K | +2.3% |
| Q3 2024 | $175K | −$14K | −7.4% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Raritan Bay Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Raritan Bay Federal Credit Union by share.
Amounts from Raritan Bay Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per item
per item
per item
per item
per item
per item · set of 4
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Unlimited checking transactions Monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed within 60 days of Opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Processing (per account) | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (per hour, 1 hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Advance (per item) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF- Insufficient Funds (per item) | $50Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF-Insufficient Funds (per item) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer (per item, charged per day) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Cash Advance | $5Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Plastic Card Replacement | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Domestic Delivery of Replace Card (additional) | $45Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Fee: Outgoing Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Fee: Incoming Domestic | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check (certified equivalent) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (not valid over $1,500) | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (per item) | $50Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (per item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Range- sequentially numbered (up to 25 items) | $40Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | set of 4 |
| Temporary Checks (set of 4) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Copy of Cleared Check (per item, over 1 year) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Cleared Check (per item) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Corporate Check Copy (less than 6 months old) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Processing (per roll) | $0.05Inside the U.S. middle 50% ($0 to $2 nationally) | per item | None |
| Cash Advances | $10Inside the U.S. middle 50% ($2 to $10 nationally) | per transaction | None |
| Debit Card Cash Advance | $2.50Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary Public Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levy Processing | $100Above the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
| Account Verification Letter | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment | 5% | Not stated | None |
Retirement & IRA | |||
| IRA Closed Account | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card (per card) | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Overnight Mail Processing (plus postage) | $15Below the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Faxing (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Reprint (per statement) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Early Payoff Letter | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Modification Fee | $100Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 19, 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.
Where Raritan Bay Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Sayreville, NJ | 1 |
Largest competitors nearby
Local market: Middlesex county, NJ, around its headquarters.
| 56 in its local market | Deposit share |
|---|---|
| PNC Bank, National Association | 31% |
| Bank of America, National Association | 9.6% |
| Provident Bank | 8% |
| Wells Fargo Bank, National Association | 7.5% |
| JPMorgan Chase Bank, National Association | 7.4% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.