vs. U.S. typical range:LowerTypicalHigher
$5 above the national median$2.75 above the New Jersey median
per month · Source
$7.50 above the national median$5 above the New Jersey median
$7.50 below the national median$10 below the New Jersey median
per month · Source
$7.50 below the national median$10 below the New Jersey median
Knox extract.rules v31 categorized a line held for review from Rosetta artifact #10845. canonical_hint=account_research; text_hash=352dd81928d71ba4b0519d7e8c6556029647ae2e4e0ec35cb3468c890f81b908; excerpt="Excessive Withdrawal Fee | $10.00*" · Source
$2 above the national median$2 above the New Jersey median
per month · Source
$5 below the national median$5 below the New Jersey median
per item · Source
$5 below the national median$5 below the New Jersey median
per item · Source
$5 below the national median$5 below the New Jersey median
$5 above the national median$5 above the New Jersey median
per item · Source
$0.50 below the national median$0.75 below the New Jersey median
per month · Source
$0.50 above the national median$0.25 above the New Jersey median
per month · Source
$0.50 below the national median$0.75 below the New Jersey median
$3 below the national medianAt the New Jersey median
At the national medianAt the New Jersey median
$2 above the national median$2 above the New Jersey median
$17.50 below the national median$15 below the New Jersey median
$2.50 below the national medianAt the New Jersey median
per item · Source
$2.50 above the national median$5 above the New Jersey median
$7 above the national median$5 above the New Jersey median
$4 above the national median$2 above the New Jersey median
per item · Source
$3.50 above the national median$5.74 above the New Jersey median
per month · Source
$15 above the national median$10 above the New Jersey median
$50 above the national medianAt the New Jersey median
At the national medianAt the New Jersey median
$5 below the national median$8.75 below the New Jersey median
$12.50 below the national median$2.50 below the New Jersey median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Dormant Account (monthly) - charged on accounts with no activity for more than 1 year and Relationship balance less than | $10Within the typical range ($5–$10 nationally) | $5 above the national median$2.75 above the New Jersey median | per month | — | Source |
| Account Research/Reconciliation (per hour, 1 hour minimum) | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$5 above the New Jersey median | — | — | Source |
| Bad Address (monthly) | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$10 below the New Jersey median | per month | — | Source |
| Excessive Withdrawal Fee | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$10 below the New Jersey median | — | Knox extract.rules v31 categorized a line held for review from Rosetta artifact #10845. canonical_hint=account_research; text_hash=352dd81928d71ba4b0519d7e8c6556029647ae2e4e0ec35cb3468c890f81b908; excerpt="Excessive Withdrawal Fee | $10.00*" | Source |
| Paper Statement Fee (per statement cycle) | $5Above the typical range ($2–$4.88 nationally) | $2 above the national median$2 above the New Jersey median | per month | — | Source |
Overdraft & NSFVerified | |||||
| Courtesy Pay Fee (per item, maximum of 3) | $25Within the typical range ($25–$33 nationally) | $5 below the national median$5 below the New Jersey median | per item | — | Source |
| NSF (per item, maximum of 3) | $25 | ||||
ATM & CardVerified | |||||
| ATM Only Cardholder Fee (monthly) | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national median$0.75 below the New Jersey median | per month | — | Source |
| ATM/Debit Card Inactivity (monthly) | $2 | ||||
Wire TransfersVerified | |||||
| Wire - Outgoing | $25Within the typical range ($20–$25 nationally) | At the national medianAt the New Jersey median | — | — | Source |
Check ServicesVerified | |||||
| Cashier's Check | $7Above the typical range ($3–$6 nationally) | $2 above the national median$2 above the New Jersey median | — | — | Source |
| Stop Payment (HEFCU Issued Check) | $10 | ||||
Digital & ElectronicVerified | |||||
| Bill Pay Inactivity (monthly, 6 months with no activity) | $6Within the typical range ($0–$9.95 nationally) | $3.50 above the national median$5.74 above the New Jersey median | per month | — | Source |
Cash & DepositVerified | |||||
| Returned Check/Returned Deposited Item | $30Above the typical range ($8–$25 nationally) | $15 above the national median$10 above the New Jersey median | — | — | Source |
Account ServicesVerified | |||||
| Levies | $100Above the typical range ($30–$89.38 nationally) | $50 above the national medianAt the New Jersey median | — | — | Source |
| Account Verification | $10 | ||||
Lending FeesVerified | |||||
| Late Payment | $15Within the typical range ($10–$25 nationally) | $5 below the national median$8.75 below the New Jersey median | — | — | Source |
Other FeesVerified | |||||
| Home Equity Subordination Fee | $25Within the typical range ($25–$100 nationally) | $12.50 below the national median$2.50 below the New Jersey median | — | — | Source |
Overdraft
$25.00
Of 22 others that publish it, 3 lower, 3 the same and 16 higher.
Fee change alerts
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Headline fees vs. national median
Overdraft
$25
Headline fees published
10 of 15
Published fees
26
Under review
0
Assets
$137.2M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$137.2M
Total deposits
$119.0M
Service charge income (year to date)
$189K
Fee income ratio
4.7%
Return on assets
1.71%
Financial profile · Pro
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| $5 below the national median$5 below the New Jersey median |
| per item |
| — |
| Source |
| NSF Preauthorized ACH Debit | $25Within the typical range ($25–$32 nationally) | $5 below the national median$5 below the New Jersey median | — | — | Source |
| Overdraft Transfer (per item) | $10Above the typical range ($2.50–$5 nationally) | $5 above the national median$5 above the New Jersey median | per item | — | Source |
| $0.50 above the national median$0.25 above the New Jersey median |
| per month |
| — |
| Source |
| Balance Inquiry (non-HEFCU ATMs) | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national median$0.75 below the New Jersey median | — | — | Source |
| ATM Card Replacement | $7Within the typical range ($5–$10 nationally) | $3 below the national medianAt the New Jersey median | — | — | Source |
| $17.50 below the national median$15 below the New Jersey median |
| — |
| — |
| Source |
| Stop Payment (per item) | $25Within the typical range ($20–$30 nationally) | $2.50 below the national medianAt the New Jersey median | per item | — | Source |
| Stop Payment (range) | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$5 above the New Jersey median | — | — | Source |
| Copy of Check | $10Above the typical range ($2–$5 nationally) | $7 above the national median$5 above the New Jersey median | — | — | Source |
| Copy of Check (per item) | $7Above the typical range ($2–$5 nationally) | $4 above the national median$2 above the New Jersey median | per item | — | Source |
| At the national medianAt the New Jersey median |
| — |
| — |
| Source |