Compared with New Jersey
11 of 27
compared fees are above the median.
9 below, 7 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
38th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 27 compared; 9 below, 7 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Garden Savings Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the New Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Garden Savings Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.8% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (38th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $509K in Q2 2026, 5.6% above the same quarter a year earlier ($482K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 27 compared published fees sit above the New Jersey median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Jersey medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Wire Transfer (Domestic Out)
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.
Fee income fell 3.8% from Q3 2025 to Q2 2026, to $509K. Its share of revenue, 6.8%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$509K
Garden Savings Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Garden Savings Federal Credit Union · $496M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Garden Savings Federal Credit Union(this institution) | Parsippany, NJ | $496M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 802 Federal Credit Union | Barre, VT | $508M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Federal Credit Union | Rochester, NY | $498M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Carolinas Telco Federal Credit Union | Charlotte, NC | $506M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cme Federal Credit Union | Columbus, OH | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Commonwealth One Federal Credit Union | Alexandria, VA | $502M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dirigo Federal Credit Union | Lewiston, ME | $498M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Harvest Federal Credit Union | Deptford, NJ | $484M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Associates Federal Credit Union | Lisle, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Holy Rosary Federal Credit Union | Rochester, NH | $508M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jolt Federal Credit Union | Saginaw, MI | $484M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Land Of Lincoln Federal Credit Union | Decatur, IL | $499M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Levo Federal Credit Union | Sioux Falls, SD | $516M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Loc Federal Credit Union | Farmington, MI | $485M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Maui County Federal Credit Union | Wailuku, HI | $488M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Federal Credit Union | Winston Salem, NC | $477M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Memphis City Employees Federal Credit Union | Memphis, TN | $503M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nizari Progressive Federal Credit Union | Sugar Land, TX | $505M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tampa Bay Federal Credit Union | Tampa, FL | $494M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Teg Federal Credit Union | Poughkeepsie, NY | $507M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Telcoe Federal Credit Union | Little Rock, AR | $503M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Topside Federal Credit Union | Dahlgren, VA | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trax Federal Credit Union | Tampa, FL | $485M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Valleystar Federal Credit Union | Martinsville, VA | $503M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Widget Federal Credit Union | Erie, PA | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Winsouth Federal Credit Union | Gadsden, AL | $479M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $7 among 11 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Garden Savings Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $509K | −$11K | −2.1% |
| Q1 2026 | $520K | +$7K | +1.4% |
| Q4 2025 | $513K | −$16K | −3.0% |
| Q3 2025 | $529K | +$47K | +9.8% |
| Q2 2025 | $482K | −$48K | −9.1% |
| Q1 2025 | $530K | +$27K | +5.4% |
| Q4 2024 | $503K | −$36K | −6.7% |
| Q3 2024 | $539K | +$37K | +7.4% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Garden Savings Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Garden Savings Federal Credit Union by share.
Amounts from Garden Savings Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per month
per item
per day
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fee (Basic / Platinum / Silver) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Money Market Service Fee (Daily balance less than $1,000) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Platinum Money Market Service Fee (Daily balance less than $10,000) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheat Fee (no activity for a 36-month period) | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity Monthly Fee for Each Account (no activity in a 12-month period excludes accounts >$5,000) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation / Research Fee Per Hour ($10 min) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Payoff Request (in writing, via fax or mail) | $25Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Paper Statement Fee (Silver/Platinum Checking Per Month) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Excess Transfers | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Excess Withdrawals | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Incorrect Address (after 3 attempts) | $25Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Return Item for Insufficient Funds Fee (NSF) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item for Insufficient Funds (NSF) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Sweep from another Deposit Account (per daily sweep) | $3Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| ATM Replacement Card (second occurrence) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card - Rush Order Card | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Special Rush Card | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire - Domestic (within U.S.) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Wire - International (through U.S. Bank only) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $10Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment - Money Orders | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment for Series of Checks | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment of Check | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Item Sent for Collection | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Check (one free per month) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Return Item | $32Above the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Internet Home Banking & Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Services (Per Signature) | $2.50Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| IRS and Sheriff's Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Account Verification / Consular Letter | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Mortgage Processing Verification Letter | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee (payments received after due date) | $30Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| FedEx International Delivery | $25Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| FedEx Next Day P.M. Delivery | $30Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| FedEx Saturday Delivery | $50Above the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Loan / Document Service: FedEx Next Day A.M. Delivery | $35Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Copy of Interim Statement | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Document Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 15, 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.
Where Garden Savings Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Brick, NJ | 1 |
| Dover, NJ | 1 |
| Manchester, NJ | 1 |
| Newark, NJ | 1 |
| Parlin, NJ | 1 |
| Parsippany, NJ | 1 |
| South Orange, NJ | 1 |
Largest competitors nearby
Local market: Morris county, NJ, around its headquarters.
| 33 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 14.1% |
| Bank of America, National Association | 13.5% |
| TD Bank, National Association | 11.8% |
| Provident Bank | 9.5% |
| Wells Fargo Bank, National Association | 8.7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.