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, under $300M

Community Financial Services Federal Credit Union

Roselle, New JerseyCredit UnionNew York Fed districtFees collected Feb 17, 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 monthly maintenance fee$0Below the typical range ($3–$10 nationally)

Overdraft & NSFVerified

NSF – ATM / Debit insufficient fund fee$33Above the typical range ($25–$31 nationally)
$3 above the national median
per transaction · Source
Overdraft – Paid$33Above the typical range ($25–$31 nationally)
$3 above the national median
Source

Check ServicesVerified

Certified checks$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Copy of share draft/check$6Above the typical range ($2–$5 nationally)
$3 above the national median
per item · Source
Stop payment of share draft/check$35Above the typical range ($20–$30 nationally)
$10 above the national median
per item · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account monthly maintenance fee	$0Below the typical range ($3–$10 nationally)	$5.95 below the national median	per month	—	Source
Inactive account (inactive over 1 year, less than balance)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
NSF – ATM / Debit insufficient fund fee	$33Above the typical range ($25–$31 nationally)	$3 above the national median	per transaction	—	Source
Overdraft – Paid	$33
ATM & CardVerified
ATM replacement card	$10Within the typical range ($5–$10 nationally)	At the national median	per item	—	Source
Wire TransfersVerified
Wires, incoming	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Check ServicesVerified
Certified checks	$5Within the typical range ($3–$5.50 nationally)	At the national median	—	—	Source
Copy of share draft/check	$6
Cash & DepositVerified
NSF - Returned deposit items	$33Above the typical range ($10–$25 nationally)	$18 above the national median	—	—	Source
Account ServicesVerified
Levy	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source

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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

$33

Overdraft fee: $33

10% above the national median overdraft fee

Total fees: 11 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$30.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$30.6M

Total deposits

$27.0M

Service charge income (year to date)

$110K

Fee income ratio

15.0%

Return on assets

-0.74%

Financial profile · Pro

Performance from regulator filings

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