Union Building Trades Federal Credit Union

Headquarters: Parsippany, New Jersey
Charter: Credit Union
Assets: $85.8M
Fed district: New York

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

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

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Fees against the market

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

Monthly Maintenance
Union Building Trades Federal Credit Union: No fee
Union Building Trades Federal Credit Union: No fee
U.S. median: no median
NSF / Returned Item
Union Building Trades Federal Credit Union: $25
Union Building Trades Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Union Building Trades Federal Credit Union: $1
Union Building Trades Federal Credit Union: $1
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.

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Published fee schedule

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

Account Maintenance

Monthly service feeNo charge
per month
Inactive Accounts (monthly)$15
per month
Any Research Fee/Record Retrieval per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Any Paper Statement Fee (monthly/quarterly)$2
per month
Any Incorrect Address$5

Overdraft & NSF

NSF/Uncollected Funds$25
Return ACH debit /courtesy pays$25
per item

ATM & Card

ATM transaction (each above 6/month)$1
per item
Balance Inquiry$1
Replacement card$5

Check Services

Stop payment$25
per item
Stop payment series of checks$25
Copy of cashier checkNo charge

Digital & Electronic

ACH Return$25
Internet Bill Pay (with activity)No charge

Cash & Deposit

Return check deposit$25

Account Services

Notary Fee for membersNo charge
Levy request$75
one time

Other Fees

Any Statement reprint$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	No charge	per month	None
Inactive Accounts (monthly)	$15	per month	None
Any Research Fee/Record Retrieval per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Any Paper Statement Fee (monthly/quarterly)	$2	per month	None
Any Incorrect Address	$5	Not stated	None
Overdraft & NSF
NSF/Uncollected Funds	$25	Not stated	None
Return ACH debit /courtesy pays	$25	per item	None
ATM & Card
ATM transaction (each above 6/month)	$1	per item	None
Balance Inquiry	$1	Not stated	None
Replacement card	$5	Not stated	None
Check Services
Stop payment	$25	per item	None
Stop payment series of checks	$25	Not stated	None
Copy of cashier check	No charge	Not stated	None
Digital & Electronic
ACH Return	$25	Not stated	None
Internet Bill Pay (with activity)	No charge	Not stated	None
Cash & Deposit
Return check deposit	$25	Not stated	None
Account Services
Notary Fee for members	No charge	Not stated	None
Levy request	$75	one time	None
Other Fees
Any Statement reprint	$5	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.

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