Xcel Federal Credit Union

Headquarters: Bloomfield, New Jersey
Charter: Credit Union
Assets: $185.8M
Fed district: New York

11 published fees; none has a market median to compare yet.

Source: its fee schedule, read Feb 17, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Stop Payment
Xcel Federal Credit Union: $25
Xcel Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic In)
Xcel Federal Credit Union: $10
Xcel Federal Credit Union: $10
U.S. median: no median
Cashier's Check
Xcel Federal Credit Union: No fee
Xcel Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Xcel Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Paper Statement$3
per month
Bad Address$5
per month

Overdraft & NSF

Overdraft Transfer$7

ATM & Card

Replacement Debit Card$5
Not compared: Monthly charge, not per item
per month

Wire Transfers

Incoming Wire Transfer$10

Check Services

Third Party Teller CheckNo charge
Stop Payment (Check/ACH/Pre-Authorized$25
per item

Digital & Electronic

ACH Origination$5
per item

Account Services

NotaryNo charge
Levy, Subpoena$75
Verification of Deposit$15

Gift & Prepaid Cards

VISA® Gift CardNo charge

Fee	Amount	Basis	Note
Account Maintenance
Paper Statement	$3	per month	None
Bad Address	$5	per month	None
Overdraft & NSF
Overdraft Transfer	$7	Not stated	None
ATM & Card
Replacement Debit Card	$5Not compared: Monthly charge, not per item	per month	None
Wire Transfers
Incoming Wire Transfer	$10	Not stated	None
Check Services
Third Party Teller Check	No charge	Not stated	None
Stop Payment (Check/ACH/Pre-Authorized	$25	per item	None
Digital & Electronic
ACH Origination	$5	per item	None
Account Services
Notary	No charge	Not stated	None
Levy, Subpoena	$75	Not stated	None
Verification of Deposit	$15	Not stated	None
Gift & Prepaid Cards
VISA® Gift Card	No charge	Not stated	None

Correct a fee source

Feb 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Xcel Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.