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 ($4–$10 nationally)

Overdraft & NSFVerified

Overdraft – Paid$33Within the typical range ($25–$33 nationally)
$3 above the national median$3 above the New Jersey median
per item · Source
NSF – ATM / Debit insufficient fund fee$33Above the typical range ($25–$32 nationally)
$3 above the national median$3 above the New Jersey median
per transaction · Source

Wire TransfersVerified

Wires, outgoing:  Domestic$25Within the typical range ($20–$25 nationally)
At the national medianAt the New Jersey median
per item · Source
Wires, incoming$10Within the typical range ($5–$15 nationally)
At the national medianAt the New Jersey median
per item · Source

Check ServicesVerified

Certified checks$5Within the typical range ($3–$6 nationally)
At the national medianAt the New Jersey median
Source
Stop payment of share draft/check$35Above the typical range ($20–$30 nationally)
$7.50 above the national median$10 above the New Jersey median
per item · Source
Copy of share draft/check$6Above the typical range ($2–$5 nationally)
$3 above the national median$1 above the New Jersey median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account monthly maintenance fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$5.48 below the New Jersey median	per month	—	Source
Inactive account (inactive over 1 year, less than balance)	$5Within the typical range ($5–$10 nationally)	At the national median$1.50 below the New Jersey median	per month	—	Source
Bad Address (Returned mail by the post office-1st return free)	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$15 below the New Jersey median	per month	—	Source
Overdraft & NSFVerified
Overdraft – Paid	$33Within the typical range ($25–$33 nationally)	$3 above the national median$3 above the New Jersey median	per item	—	Source
NSF – ATM / Debit insufficient fund fee	$33
ATM & CardVerified
ATM replacement card	$10Within the typical range ($5–$10 nationally)	At the national median$3 above the New Jersey median	per item	—	Source
Wire TransfersVerified
Wires, outgoing:  Domestic	$25Within the typical range ($20–$25 nationally)	At the national medianAt the New Jersey median	per item	—	Source
Wires, incoming	$10
Check ServicesVerified
Certified checks	$5Within the typical range ($3–$6 nationally)	At the national medianAt the New Jersey median	—	—	Source
Stop payment of share draft/check	$35
Cash & DepositVerified
NSF - Returned deposit items	$33Above the typical range ($8–$25 nationally)	$18 above the national median$13 above the New Jersey median	per item	—	Source
Account ServicesVerified
Levy	$50Within the typical range ($30–$87.50 nationally)	At the national median$50 below the New Jersey median	per item	—	Source
Other FeesVerified
Photocopies	$0.25Below the typical range ($2–$5 nationally)	$2.75 below the national median$3 below the New Jersey median	per item	—	Source

Against New Jersey credit unions

Overdraft
$33.00
Of 22 others that publish it, 15 lower, 1 the same and 6 higher.
Monthly maintenance
$0.00
Of 12 others that publish it, 0 lower, 4 the same and 8 higher.

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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

14 verified fees collected

Headline fees published

9 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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Based on 65,356 published fee entries from 3,591 institutions

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