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

Wakefern Federal Credit Union

Elizabeth, 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

+ Inactive for 1 year$10Within the typical range ($5–$10 nationally)

Account Research fee ( Minimum )$50

$25 above the national median

Source

Regular Paper Statement via US Mail$3

At the national median

Source

Overdraft & NSFVerified

Overdraft Protection Transfer Fee$5Within the typical range ($3–$5 nationally)
At the national median
Source
Return Item Fee$35Above the typical range ($25–$31 nationally)
$5 above the national median
per item · Source

ATM & CardVerified

ATM Withdrawal/POS transactions in excess of 1 per month$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per month · Source
Replacement of ATM Card (First Time Free)$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Check ServicesVerified

Check Copy Fee$10Above the typical range ($2–$5 nationally)
$7 above the national median
per item · Source
Stop Payment Fee (Draft or ACH)$35Above the typical range ($20–$30 nationally)
$10 above the national median
per item · Source

Account ServicesVerified

Legal Process Fee$50Within the typical range ($35–$150 nationally)
$50 below the national median
per item · Source

Other FeesVerified

Loan Application Fee$10Below the typical range ($20–$35 nationally)
$19.50 below the national median
Source
Short Term Loan Application Fee$20Within the typical range ($20–$35 nationally)
$9.50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
+ Inactive for 1 year	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Account Research fee ( Minimum )	$50Above the typical range ($20–$25 nationally)	$25 above the national median	—	—	Source
Regular Paper Statement via US Mail	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Overdraft Protection Transfer Fee	$5Within the typical range ($3–$5 nationally)	At the national median	—	—	Source
Return Item Fee	$35
ATM & CardVerified
ATM Withdrawal/POS transactions in excess of 1 per month	$1Within the typical range ($1–$2.50 nationally)	$0.50 below the national median	per month	—	Source
Replacement of ATM Card (First Time Free)	$5
Check ServicesVerified
Check Copy Fee	$10Above the typical range ($2–$5 nationally)	$7 above the national median	per item	—	Source
Stop Payment Fee (Draft or ACH)	$35
Account ServicesVerified
Legal Process Fee	$50Within the typical range ($35–$150 nationally)	$50 below the national median	per item	—	Source
Other FeesVerified
Loan Application Fee	$10Below the typical range ($20–$35 nationally)	$19.50 below the national median	—	—	Source
Short Term Loan Application Fee	$20

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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.

NSF fee: $35

17% above the national median NSF fee

Total fees: 12 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$12.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$12.0M

Total deposits

$9.1M

Service charge income (year to date)

$22K

Fee income ratio

7.3%

Return on assets

2.03%

Financial profile · Pro

Performance from regulator filings

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

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Based on 31,319 verified fees from 2,405 institutions

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