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

Mid-State Federal Credit Union

Carteret, New JerseyCredit UnionNew York Fed districtFees collected Oct 5, 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

(if closed within 45 days of opening)$25Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay$35Above the typical range ($25–$31 nationally)
$5 above the national median
Source
Returned-NSF or Uncollected Fee$30Within the typical range ($25–$31 nationally)
At the national median
Source

ATM & CardVerified

Overnight Card$50Within the typical range ($30–$50 nationally)
$10 above the national median
Source
Replacement, Lost/Stolen Card$20Above the typical range ($5–$10 nationally)
$10 above the national median
Source

Wire TransfersVerified

Incoming Wire$10Within the typical range ($5–$15 nationally)
At the national median
Source
Outgoing Wire-Domestic$40Above the typical range ($20–$25 nationally)
$17 above the national median
Source
Outgoing Wire-Foreign$50Within the typical range ($40–$50 nationally)
At the national median
Source

Check ServicesVerified

Cashier Check to Third Party$10Above the typical range ($3–$5.50 nationally)
$5 above the national median
Source
On Us Check Cashing. (to non-member)$15Above the typical range ($5–$10 nationally)
$10 above the national median
Source
Share Draft (check) Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Stop Payment (share drafts personal)$25Within the typical range ($20–$30 nationally)
At the national median
Source

Gift & Prepaid CardsVerified

Visa Gift Card (less than $250)$2.50Below the typical range ($3–$4.50 nationally)
$1 below the national median
Source
Visa Gift Card (more than $250)$5Above the typical range ($3–$4.50 nationally)
$1.50 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
(if closed within 45 days of opening)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Below Minimum Balance Fee	$10Within the typical range ($3.38–$10 nationally)	$5 above the national median	—	—	Source
Dormant-Inactive Account/monthly	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Paper Statement Fee (per statement)	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay	$35Above the typical range ($25–$31 nationally)	$5 above the national median	—	—	Source
Returned-NSF or Uncollected Fee	$30
ATM & CardVerified
Overnight Card	$50Within the typical range ($30–$50 nationally)	$10 above the national median	—	—	Source
Replacement, Lost/Stolen Card	$20Above the typical range ($5–$10 nationally)
Wire TransfersVerified
Incoming Wire	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Outgoing Wire-Domestic	$40Above the typical range ($20–$25 nationally)
Check ServicesVerified
Cashier Check to Third Party	$10Above the typical range ($3–$5.50 nationally)	$5 above the national median	—	—	Source
On Us Check Cashing. (to non-member)	$15
Account ServicesVerified
Levies/Liens	$100Above the typical range ($30–$75 nationally)	$50 above the national median	—	—	Source
Retirement & IRAVerified
IRA Account Closure or Transfer	$25Within the typical range ($25–$36.25 nationally)	At the national median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Card (less than $250)	$2.50Below the typical range ($3–$4.50 nationally)	$1 below the national median	—	—	Source
Visa Gift Card (more than $250)	$5
Other FeesVerified
Overnight Mail	$25Within the typical range ($20–$40 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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 20 — leaner than most institutions

Headline fees published

10 of 15

Published fees

Under review

Assets

$23.4M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$23.4M

Total deposits

$19.3M

Service charge income (year to date)

$22K

Fee income ratio

3.2%

Return on assets

0.86%

Financial profile · Pro

Mid-State Federal Credit Union

Published fees

Get an email when Mid-State Federal Credit Union changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings