vs. U.S. typical range:LowerTypicalHigher
$1 below the national medianAt the New Jersey median
per month · Source
$2 below the national median$3.75 below the New Jersey median
per month · Source
$7.50 above the national median$5 above the New Jersey median
At the national median$2.25 below the New Jersey median
per month · Source
$7.50 above the national median$5 above the New Jersey median
$7.50 below the national median$10 below the New Jersey median
per item · Source
$10.50 below the national median$13 below the New Jersey median
per item · Source
$1.50 below the national median$1.50 below the New Jersey median
$30 below the national median$30 below the New Jersey median
per item · Source
$5 above the national median$5 above the New Jersey median
per item · Source
$2 above the national median$2 above the New Jersey median
per item · Source
$1 above the national median$0.75 above the New Jersey median
per transaction · Source
$5.45 above the national median$5.20 above the New Jersey median
per month · Source
At the national median$0.25 below the New Jersey median
per transaction · Source
$5 below the national median$5 below the New Jersey median
per item · Source
$10 below the national median$2.50 below the New Jersey median
per item · Source
$5 below the national medianAt the New Jersey median
per item · Source
$5 above the national median$5 above the New Jersey median
per item · Source
$3 above the national median$3 above the New Jersey median
per item · Source
$1 above the national median$0.75 above the New Jersey median
per item · Source
$2.50 above the national median$5 above the New Jersey median
per item · Source
At the national medianAt the New Jersey median
$1 below the national median$3 below the New Jersey median
per item · Source
—
At the national median$2.50 above the New Jersey median
per item · Source
$75 above the national median$25 above the New Jersey median
$5 above the national median$5 above the New Jersey median
$212.50 above the national median$222.50 above the New Jersey median
per item · Source
$12.50 below the national median$2.50 below the New Jersey median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly Fee | $5Within the typical range ($4–$10 nationally) | $1 below the national medianAt the New Jersey median | per month | — | Source |
| Low Balance Fee | $5Within the typical range ($5–$10 nationally) | $2 below the national median$3.75 below the New Jersey median | per month | — | Source |
| New Main Share Account closed within 3 months of opening | $25Within the typical range ($10–$25 nationally) | $7.50 above the national median$5 above the New Jersey median | — | — | Source |
| Dormant Account – Accounts over $100 that are inactive for 12 months or more will be charged on the last day of each mon | $5Within the typical range ($5–$10 nationally) | At the national median$2.25 below the New Jersey median | per month | — | Source |
| Account Reconciliation Request (If error not caused by credit union) | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$5 above the New Jersey median | — | — | Source |
| Excessive Transaction | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$10 below the New Jersey median | per item | — | Source |
| Return Mail | $7Below the typical range ($12–$25 nationally) | $10.50 below the national median$13 below the New Jersey median | per item | — | Source |
| Mailed Paper Statement (Prime Tide, Little Stars, and MyShore Teen Clubs exempt) | $1.50Below the typical range ($2–$4.88 nationally) | $1.50 below the national median$1.50 below the New Jersey median | — | — | Source |
Overdraft & NSFVerified | |||||
| Safety Net Overdraft | $0Below the typical range ($25–$33 nationally) | $30 below the national median$30 below the New Jersey median | per item | — | Source |
| Non-Sufficient Funds (NSF) | $35 | ||||
ATM & CardVerified | |||||
| ATM Withdrawal Fee at JSFCU ATM | $2.50Above the typical range ($1–$2.25 nationally) | $1 above the national median$0.75 above the New Jersey median | per transaction | — | Source |
| Checking and Debit/ATM Card | $6.95 | ||||
Wire TransfersVerified | |||||
| Wire Transfer (Domestic) – Outgoing | $20Within the typical range ($20–$25 nationally) | $5 below the national median$5 below the New Jersey median | per item | — | Source |
| Wire Transfer (International) – Outgoing | $40 | ||||
Check ServicesVerified | |||||
| Certified Check | $10Above the typical range ($3–$6 nationally) | $5 above the national median$5 above the New Jersey median | per item | — | Source |
| Official/Corporate Check made payable to another party (except from loan proceeds or payable to self) | $8 | ||||
Cash & DepositVerified | |||||
| Coin Counting Machine | 9% | — | — | — | Source |
Account ServicesVerified | |||||
| per notary | $2.50Within the typical range ($0–$5 nationally) | At the national median$2.50 above the New Jersey median | per item | — | Source |
| per lien, levy, & attachment | $125 | ||||
Other FeesVerified | |||||
| Home Equity Loan Processing Fee for Loans under | $250Above the typical range ($25–$100 nationally) | $212.50 above the national median$222.50 above the New Jersey median | per item | — | Source |
| Loan Application Fee (Fee becomes minimum deposit upon decision to be a member.) | $25 | ||||
Overdraft
$0.00
Of 22 others that publish it, 0 lower and 22 higher.
Monthly maintenance
$5.00
Of 12 others that publish it, 7 lower, 2 the same and 3 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Headline fees published
11 of 15
Published fees
28
Under review
0
Assets
$246.3M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$246.3M
Total deposits
$227.0M
Service charge income (year to date)
$600K
Fee income ratio
9.3%
Return on assets
0.96%
Financial profile · Pro
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| $5 above the national median$5 above the New Jersey median |
| per item |
| — |
| Source |
| Overdraft Protection from Share or Share Draft | $7Above the typical range ($2.50–$5 nationally) | $2 above the national median$2 above the New Jersey median | per item | — | Source |
| $5.45 above the national median$5.20 above the New Jersey median |
| per month |
| — |
| Source |
| Out-of-Network Fee (Non Jersey Shore FCU, CO-OP, and Allpoint ATMs) | $1.50Within the typical range ($1–$2.25 nationally) | At the national median$0.25 below the New Jersey median | per transaction | — | Source |
| $10 below the national median$2.50 below the New Jersey median |
| per item |
| — |
| Source |
| Wire Transfer (International and Domestic) – Incoming | $15Within the typical range ($10–$25 nationally) | $5 below the national medianAt the New Jersey median | per item | — | Source |
| $3 above the national median$3 above the New Jersey median |
| per item |
| — |
| Source |
| Money Orders | $3Within the typical range ($1.50–$3 nationally) | $1 above the national median$0.75 above the New Jersey median | per item | — | Source |
| Stop Payment (Member Request) | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$5 above the New Jersey median | per item | — | Source |
| Starter Checks (After first 12 for new accounts) | $2Within the typical range ($1–$4 nationally) | At the national medianAt the New Jersey median | — | — | Source |
| Copy of Canceled Share Draft | $2Within the typical range ($2–$5 nationally) | $1 below the national median$3 below the New Jersey median | per item | — | Source |
| $75 above the national median$25 above the New Jersey median |
| — |
| — |
| Source |
| Verification of Account | $15Within the typical range ($5–$15 nationally) | $5 above the national median$5 above the New Jersey median | — | — | Source |
| $12.50 below the national median$2.50 below the New Jersey median |
| — |
| — |
| Source |