Ridgedale Federal Credit Union

Headquarters: East Hanover, New Jersey
Charter: Credit Union
Assets: $98.0M
Fed district: New York

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

NSF / Returned Item
Ridgedale Federal Credit Union: $35
Ridgedale Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Ridgedale Federal Credit Union: $3
Ridgedale Federal Credit Union: $3
U.S. median: no median
Wire Transfer (Domestic Out)
Ridgedale Federal Credit Union: $30
Ridgedale Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 Ridgedale Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant & Inactive Fee per Quarter- for accounts under $250$10
Paper Statement Fee$2
per month
Incorrect Address Fee$10

Overdraft & NSF

Insufficient Funds Item$35
Automatic Transfer From Savings to Checking to Cover Over Drafts$5

ATM & Card

ATM Withdrawals (after 10 free per month)$3
Replacement of Lost Credit/Debit Card (standard)$5
Replacement of Lost Credit/Debit Card (expedited)$35

Wire Transfers

Outgoing Wire Transfers (Domestic)$30
Incoming Wire Transfer$15
Outgoing Wire Transfers (International)$100

Check Services

Third Party Cashier Check Withdrawals$10
Stop Payment Fee$30
Copy of Canceled Share Draft$5
Copy of Teller's Check$5

Cash & Deposit

Return Deposited Items$20

Account Services

Levies/Garnishments/Judgments - (per occurrence)$100
per item
Subordination Fee$100
Verification of Accounts/Letters of Account Status$5

Other Fees

Copy of Previous Government Reporting (1099, 1098)$5
Copy of Previous Statement (Shares/Loan/Credit Card)$5
per item
Loan Skip a Payment Fee - (max. of 3 times per 12 months)$25

Fee	Amount	Basis	Note
Account Maintenance
Dormant & Inactive Fee per Quarter- for accounts under $250	$10	Not stated	None
Paper Statement Fee	$2	per month	None
Incorrect Address Fee	$10	Not stated	None
Overdraft & NSF
Insufficient Funds Item	$35	Not stated	None
Automatic Transfer From Savings to Checking to Cover Over Drafts	$5	Not stated	None
ATM & Card
ATM Withdrawals (after 10 free per month)	$3	Not stated	None
Replacement of Lost Credit/Debit Card (standard)	$5	Not stated	None
Replacement of Lost Credit/Debit Card (expedited)	$35	Not stated	None
Wire Transfers
Outgoing Wire Transfers (Domestic)	$30	Not stated	None
Incoming Wire Transfer	$15	Not stated	None
Outgoing Wire Transfers (International)	$100	Not stated	None
Check Services
Third Party Cashier Check Withdrawals	$10	Not stated	None
Stop Payment Fee	$30	Not stated	None
Copy of Canceled Share Draft	$5	Not stated	None
Copy of Teller's Check	$5	Not stated	None
Cash & Deposit
Return Deposited Items	$20	Not stated	None
Account Services
Levies/Garnishments/Judgments - (per occurrence)	$100	per item	None
Subordination Fee	$100	Not stated	None
Verification of Accounts/Letters of Account Status	$5	Not stated	None
Other Fees
Copy of Previous Government Reporting (1099, 1098)	$5	Not stated	None
Copy of Previous Statement (Shares/Loan/Credit Card)	$5	per item	None
Loan Skip a Payment Fee - (max. of 3 times per 12 months)	$25	Not stated	None

Correct a fee source

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.

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