Irco Community Federal Credit Union

Headquarters: Phillipsburg, New Jersey
Charter: Credit Union
Assets: $93.7M
Fed district: New York

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Monthly Maintenance
Can be waived with a balance of $250 or more.
Irco Community Federal Credit Union: $10
Irco Community Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Irco Community Federal Credit Union: $35
Irco Community Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Irco Community Federal Credit Union: $35
Irco Community Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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.

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Published fee schedule

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

Account Maintenance

Standard Checking Monthly Fee - Balance under $250$10
per month
Dormant Account - Inactive over 13 Months$10
per month
Account Reconciliation/Research - Per hour (1 hr. minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation/Research - Per hour (1 hr. minimum) | $30.00
Returned Mail - per month$5
per month

Overdraft & NSF

Overdraft/Returned Items - Checks or ACH$35
per item
Overdraft/Returned Items - Checks or ACH$35
per item

ATM & Card

ATM/Debit/Credit Card - Lost Card Re-Issue$10

Wire Transfers

Outgoing Wires - Domestic Only$30
Incoming Wires - Domestic & International$20

Check Services

Treasurer’s Checks - Payable to 3rd Party - Per Item$5
per item
Money Orders$2.50
Stop Payment$25
Temporary Checks$0.25
Item Sent for Collection - Canadian over $200$30
Item Sent for Collection - Canadian under $200$10

Digital & Electronic

Online Bill PayNo charge

Cash & Deposit

Coin CountingNo charge
Deposited Return Item$20

Account Services

Notary ServiceNo charge
Box Rental Late Charge - Assessed after 30 days$10
Not compared: Monthly charge, not annual
per month
Drilling/Lock Replacement$200
Not compared: Box drilling or key fee
Key Replacement$100
Not compared: Box drilling or key fee
Garnishment/Levy$100
Account Verification Forms$10

Gift & Prepaid Cards

VISA Gift Cards$5

Other Fees

Acct. History/ Statement Copies$3
Copies - Per Page$0.25
per item
Fax$1

Fee	Amount	Basis	Note
Account Maintenance
Standard Checking Monthly Fee - Balance under $250	$10	per month	None
Dormant Account - Inactive over 13 Months	$10	per month	None
Account Reconciliation/Research - Per hour (1 hr. minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation/Research - Per hour (1 hr. minimum) \| $30.00
Returned Mail - per month	$5	per month	None
Overdraft & NSF
Overdraft/Returned Items - Checks or ACH	$35	per item	None
Overdraft/Returned Items - Checks or ACH	$35	per item	None
ATM & Card
ATM/Debit/Credit Card - Lost Card Re-Issue	$10	Not stated	None
Wire Transfers
Outgoing Wires - Domestic Only	$30	Not stated	None
Incoming Wires - Domestic & International	$20	Not stated	None
Check Services
Treasurer’s Checks - Payable to 3rd Party - Per Item	$5	per item	None
Money Orders	$2.50	Not stated	None
Stop Payment	$25	Not stated	None
Temporary Checks	$0.25	Not stated	None
Item Sent for Collection - Canadian over $200	$30	Not stated	None
Item Sent for Collection - Canadian under $200	$10	Not stated	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin Counting	No charge	Not stated	None
Deposited Return Item	$20	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Box Rental Late Charge - Assessed after 30 days	$10Not compared: Monthly charge, not annual	per month	None
Drilling/Lock Replacement	$200Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$100Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy	$100	Not stated	None
Account Verification Forms	$10	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards	$5	Not stated	None
Other Fees
Acct. History/ Statement Copies	$3	Not stated	None
Copies - Per Page	$0.25	per item	None
Fax	$1	Not stated	None

Correct a fee source

Nov 2, 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.

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