Heritage Valley Federal Credit Union

Headquarters: York, Pennsylvania
Charter: Credit Union
Assets: $131.3M
Fed district: Philadelphia

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

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

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Fees against the market

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

Overdraft (OD)
Heritage Valley Federal Credit Union: $35
Heritage Valley Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Heritage Valley Federal Credit Union: $35
Heritage Valley Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Heritage Valley Federal Credit Union: $1
Heritage Valley Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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 Heritage Valley Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closing (account closed within 90 days of opening)$10
Account Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Un-posted Item Research$3
Returned Mail/Bad Address$5

Overdraft & NSF

Courtesy Pay (per item)$35
per item
Non-Sufficient Funds (NSF)$35

ATM & Card

Transactions at Non-HV ATMs (each after 5 per month - does not apply to HV Choice Rewards)$1
per item
Plastic Card Replacement$7
International Transaction Fee1%of the transaction

Wire Transfers

Wire Transfer - Domestic (outgoing)$20
Wire Transfer - Domestic (incoming)$10
Wire Transfer - International (outgoing)$50
Wire Transfer - International (incoming)$15

Check Services

Certified Check$5
Heritage Gold Checking - Certified ChecksNo charge
Official Check Withdrawal$5
Money Order$4
Stop Payment$30
Stop Payment (range of checks)$50
Temporary Checks (4 checks)$2
Foreign Check Deposit$20
Check Copy (each)$3
per item
Check Images (via Online & Mobile Banking)No charge

Digital & Electronic

Bill Pay Reinstatement (after 3 months of inactivity)$5
Online & Mobile Bill PayerNo charge
Mobile DepositNo charge

Cash & Deposit

Coin CountingNo charge
VISA Credit Card - Cash Advance ChargeNo charge
Returned Deposit Item$12

Account Services

Notary ServiceNo charge
Writ of Execution/Domestic Relations/Tax Levy$125

Other Fees

Statement Copy$3
Skip a Payment (per loan)$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Closing (account closed within 90 days of opening)	$10	Not stated	None
Account Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Un-posted Item Research	$3	Not stated	None
Returned Mail/Bad Address	$5	Not stated	None
Overdraft & NSF
Courtesy Pay (per item)	$35	per item	None
Non-Sufficient Funds (NSF)	$35	Not stated	None
ATM & Card
Transactions at Non-HV ATMs (each after 5 per month - does not apply to HV Choice Rewards)	$1	per item	None
Plastic Card Replacement	$7	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Domestic (outgoing)	$20	Not stated	None
Wire Transfer - Domestic (incoming)	$10	Not stated	None
Wire Transfer - International (outgoing)	$50	Not stated	None
Wire Transfer - International (incoming)	$15	Not stated	None
Check Services
Certified Check	$5	Not stated	None
Heritage Gold Checking - Certified Checks	No charge	Not stated	None
Official Check Withdrawal	$5	Not stated	None
Money Order	$4	Not stated	None
Stop Payment	$30	Not stated	None
Stop Payment (range of checks)	$50	Not stated	None
Temporary Checks (4 checks)	$2	Not stated	None
Foreign Check Deposit	$20	Not stated	None
Check Copy (each)	$3	per item	None
Check Images (via Online & Mobile Banking)	No charge	Not stated	None
Digital & Electronic
Bill Pay Reinstatement (after 3 months of inactivity)	$5	Not stated	None
Online & Mobile Bill Payer	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Coin Counting	No charge	Not stated	None
VISA Credit Card - Cash Advance Charge	No charge	Not stated	None
Returned Deposit Item	$12	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Writ of Execution/Domestic Relations/Tax Levy	$125	Not stated	None
Other Fees
Statement Copy	$3	Not stated	None
Skip a Payment (per loan)	$35	per item	None

Correct a fee source

Oct 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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