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Fee Schedule

Download the Latest Fee Schedule

ATM Fees
ATM Card Replacement $5.00*
Withdrawals (non-HEFCU ATMs) $2.00*
Balance Inquiry (non-HEFCU ATMs) $1.00*
Denied ATM/Debit Card Transactions incl. POS (non-HEFCU ATMs) $2.00*
International ATM Transaction Fee 1% of Transaction Amount
ATM Only Cardholder Fee (monthly) $1.00
Checking Account Fees
Closed Account (Abuse) $10.00
Copy of Check $3.00
Courtesy Pay Fee (per item) $30.00
NSF Deposit (per item) $30.00
Overdraft Coverage (per item) $2.00
Stop Payment (per item) $15.00*
Stop Payment (range) $25.00*
IRA Account Fees
Annual Fee $15.00*
Closed or Transferred Account $35.00
Money Market Account Fees
Low Balance (monthly) - charged if balance falls below minimum $10.00
Loan Fees
Cancellation or Denial Fee $10.00 per applicant
Home Equity Loan Application Contact Credit Union
Home Equity Loan Reimbursement Fee Contact Credit Union
Home Equity Subordination Fee $100.00
Non-Sufficient Funds - NSF (per item) $30.00
Visa Credit Card Fees
Cancellation/Denial $5.00 per applicant
Late Payment Classic $15.00; Platinum $25.00
Returned Payment $25.00
Credit Card Replacement $5.00*
Priority Express Delivery Credit Card Request $20.00
Other Fees
Account Verification $10.00
ACH - Outgoing $5.00
Bad Address (monthly) $10.00
Certified Mail $6.00
Copy of Account Statement (per statement cycle; available for most recent 6 years only) $5.00
Copy of Check $10.00
Dormant Account (monthly) - charged on accounts with no activity for more than 1 year and Relationship balance less than $1,000 $10.00
Federal Express $40.00
Federal Express (Saturday) $50.00
Levies $50.00
Low Balance (Monthly) - charged on accounts open for more than 1 year and relationship balance less than $100 $10.00
NJ Escheat Processing Fee $50.00
NSF Preauthorized ACH Debit $30.00
Request to have check mailed (under $100) $5.00
Account Research/Reconciliation $25.00
Excessive Withdrawal Fee
Savings and other non-club accounts (excluding IRA/CDs) - for each withdrawal in excess of 4 per calendar quarter
$5.00
Club/Insurance Account Transfer/Withdrawal Fee (per item) $5.00
Returned Check $30.00
Shared Branch Convenience Fee (for all withdrawals) $3.00
Shared Branch Convenience Fee (for all deposits) $2.00
Square Processing Fee 3.63% of charged amount (fee effective 9/1/21)
Stop Payment (HEFCU issued check) $10.00
Paper Statement Fee (for each periodic paper statement cycle date) $2.50
Wire - Outgoing $25.00*

Fee Schedule effective October 1, 2022

*Refer to HEFCU Reward Schedule

Fees Subject to Change Without Notice

  • Auto Loan

    as low as
    4.00
    %
    APR*
    Calculate
  • Credit Card

    as low as
    8.99
    %
    APR*
    Calculate
  • Home Equity Loans

    as low as
    4.49
    %
    APR*
    Calculate
  • Share Secured Loan

    as low as
    4.75
    %
    APR*
    Calculate