Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

I.L.A. Local 1235 Federal Credit Union

Newark, New JerseyCredit UnionNew York Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account Fee (no activity for 365 days)$25Above the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Non-Sufficient Funds Fee$30Within the typical range ($25–$31 nationally)
At the national median
Source
Sustained Overdraft (over 5 days)$30Above the typical range ($5–$21.25 nationally)
$25 above the national median
Source

ATM & CardVerified

ATM Withdrawal Transaction Fee (2 free per month)$1.50Within the typical range ($1–$2.50 nationally)
At the national median
per month · Source
Foreign ATM Transaction$2Within the typical range ($1–$2.50 nationally)
$0.50 above the national median
Source

Wire TransfersVerified

Incoming Wire Transfer$5Within the typical range ($5–$15 nationally)
$5 below the national median
per item · Source
Outgoing Domestic Wire Transfer$30Above the typical range ($20–$25 nationally)
$7 above the national median
per item · Source

Check ServicesVerified

Check Copies (4 free copies within same year)$5Within the typical range ($2–$5 nationally)
$2 above the national median
per item · Source
Stop Payment Fee$37Above the typical range ($20–$30 nationally)
$12 above the national median
per item · Source

Account ServicesVerified

Garnishment/Levy Fee$75Within the typical range ($30–$75 nationally)
$25 above the national median
Source
Notary Fee$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source

Gift & Prepaid CardsVerified

Excess Reload Fee (3 per quarter)$5Within the typical range ($2.63–$5 nationally)
$0.05 above the national median
Source
Virtual Gift Card$3Within the typical range ($3–$4.50 nationally)
$0.50 below the national median
per item · Source

Other FeesVerified

Duplicate Statements (after 1 year history)$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Loan Application Fee with Credit Score$15Below the typical range ($20–$35 nationally)
$14.50 below the national median
Source
Loan Application Fee without Credit Score (rules and restrictions apply)$30Within the typical range ($20–$35 nationally)
$0.50 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee (no activity for 365 days)	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Paper Statement Fee	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds Fee	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
Sustained Overdraft (over 5 days)	$30
ATM & CardVerified
ATM Withdrawal Transaction Fee (2 free per month)	$1.50Within the typical range ($1–$2.50 nationally)	At the national median	per month	—	Source
Foreign ATM Transaction	$2
Wire TransfersVerified
Incoming Wire Transfer	$5Within the typical range ($5–$15 nationally)	$5 below the national median	per item	—	Source
Outgoing Domestic Wire Transfer	$30
Check ServicesVerified
Check Copies (4 free copies within same year)	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per item	—	Source
Stop Payment Fee	$37
Digital & ElectronicVerified
ACH Return	$30Within the typical range ($19.50–$30 nationally)	$3 above the national median	per item	—	Source
Account ServicesVerified
Garnishment/Levy Fee	$75Within the typical range ($30–$75 nationally)	$25 above the national median	—	—	Source
Notary Fee	$5
Gift & Prepaid CardsVerified
Excess Reload Fee (3 per quarter)	$5Within the typical range ($2.63–$5 nationally)	$0.05 above the national median	—	—	Source
Virtual Gift Card	$3
Other FeesVerified
Duplicate Statements (after 1 year history)	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source
Loan Application Fee with Credit Score	$15

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $30

NSF fee is aligned with the national median

Total fees: 18 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$7.5M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$7.5M

Total deposits

$6.5M

Service charge income (year to date)

$1K

Fee income ratio

0.43%

Return on assets

0.37%

Financial profile · Pro

I.L.A. Local 1235 Federal Credit Union

Published fees

Get an email when I.L.A. Local 1235 Federal Credit Union changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings