I.L.A. Local 1235 Federal Credit Union

Headquarters: Newark, New Jersey
Charter: Credit Union
Assets: $7.5M
Fed district: New York

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

Source: its fee schedule, read Oct 10, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
I.L.A. Local 1235 Federal Credit Union: $30
I.L.A. Local 1235 Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $1.75, the middle of its prices
I.L.A. Local 1235 Federal Credit Union: $1.50 to $2
I.L.A. Local 1235 Federal Credit Union: $1.50 to $2
U.S. median: no median
Wire Transfer (Domestic Out)
I.L.A. Local 1235 Federal Credit Union: $30
I.L.A. Local 1235 Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 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 I.L.A. Local 1235 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closing Fee (60 days)$10
Dormant Account Fee (no activity for 365 days)$25
Escheat Fee$50
Paper Statement Fee$3
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Non-Sufficient Funds Fee$30
Returned Check Fee$30
per item
Sustained Overdraft (over 5 days)$30

ATM & Card

ATM Withdrawal Transaction Fee (2 free per month)$1.50
per item
Foreign ATM Transaction$2

Wire Transfers

Outgoing Domestic Wire Transfer$30
per item
Incoming Wire Transfer$5
per item

Check Services

Stop Payment Fee$37
per item
Check Copies (4 free copies within same year)$5
per item

Digital & Electronic

ACH Return$30
per item

Account Services

Notary Fee$5
Garnishment/Levy Fee$75

Gift & Prepaid Cards

Excess Reload Fee (3 per quarter)$5
per item
Virtual Gift Card$3
per item

Other Fees

Duplicate Statements (after 1 year history)$5
Not compared: Quarterly charge, not per item
per quarter
Loan Application Fee with Credit Score$15
Loan Application Fee without Credit Score (rules and restrictions apply)$30

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closing Fee (60 days)	$10	Not stated	None
Dormant Account Fee (no activity for 365 days)	$25	Not stated	None
Escheat Fee	$50	Not stated	None
Paper Statement Fee	$3Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Non-Sufficient Funds Fee	$30	Not stated	None
Returned Check Fee	$30	per item	None
Sustained Overdraft (over 5 days)	$30	Not stated	None
ATM & Card
ATM Withdrawal Transaction Fee (2 free per month)	$1.50	per item	None
Foreign ATM Transaction	$2	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$30	per item	None
Incoming Wire Transfer	$5	per item	None
Check Services
Stop Payment Fee	$37	per item	None
Check Copies (4 free copies within same year)	$5	per item	None
Digital & Electronic
ACH Return	$30	per item	None
Account Services
Notary Fee	$5	Not stated	None
Garnishment/Levy Fee	$75	Not stated	None
Gift & Prepaid Cards
Excess Reload Fee (3 per quarter)	$5	per item	None
Virtual Gift Card	$3	per item	None
Other Fees
Duplicate Statements (after 1 year history)	$5Not compared: Quarterly charge, not per item	per quarter	None
Loan Application Fee with Credit Score	$15	Not stated	None
Loan Application Fee without Credit Score (rules and restrictions apply)	$30	Not stated	None

Correct a fee source

Oct 10, 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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