Compared with Georgia
13 of 21
compared fees are above the median.
4 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
57th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Georgia median
of 21 compared; 4 below, 4 about the same
See the feesFee schedule read Apr 20, 2026
Call-report figures are for Georgia Heritage Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Georgia median | Published fees above the Georgia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Georgia Heritage Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Apr 20, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.2% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (57th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $207K in Q2 2026, 3.5% above the same quarter a year earlier ($200K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
13 of 21 compared published fees sit above the Georgia median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Georgia medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $4.95, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 6.8% from Q3 2025 to Q2 2026, to $207K. Its share of revenue, 8.2%, is above the 7.2% median for credit unions with under $300M in assets.
$207K
Georgia Heritage Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $7.95; we compare the midpoint.
Georgia Heritage Federal Credit Union · $163M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Georgia Heritage Federal Credit Union(this institution) | Savannah, GA | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Best Reward Federal Credit Union | Brook Park, OH | $163M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bfg Federal Credit Union | Akron, OH | $160M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Buckeye State Federal Credit Union | Akron, OH | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Communities Of Abilene Federal Credit Union | Abilene, TX | $161M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Community Service Federal Credit Union | Huntsville, TX | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Epic Federal Credit Union | Metairie, LA | $164M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fd Community Federal Credit Union | Waterbury, CT | $163M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Choice Federal Credit Union | West Palm Beach, FL | $161M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Four Points Federal Credit Union | Omaha, NE | $165M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Hartford Federal Credit Union | Hartford, CT | $160M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hello Federal Credit Union | Panama City, FL | $160M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jefferson Parish Employees Federal Credit Union | Harahan, LA | $166M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kings Federal Credit Union | Hanford, CA | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lincoln Maine Federal Credit Union | Lincoln, ME | $163M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnesota Power Employees Federal Credit Union | Duluth, MN | $162M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Priority One Credit Union | Sunrise, FL | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Scenic Community Federal Credit Union | Hixson, TN | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shoreline Federal Credit Union | Two Rivers, WI | $160M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| South Bay Federal Credit Union | Redondo Beach, CA | $161M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Chautauqua Federal Credit Union | Lakewood, NY | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Focus Federal Credit Union | Oklahoma City, OK | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tulare County Federal Credit Union | Tulare, CA | $167M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Utah Heritage Federal Credit Union | Moroni, UT | $167M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wayne-Westland Federal Credit Union | Westland, MI | $161M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wymar Federal Credit Union | Geismar, LA | $165M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4.95, the middle of its three prices, against a peer median of $7.50 among 14 publishing peers.
Its three checking prices are $2, $4.95 and $7.95.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.
Call reports for Georgia Heritage Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $207K | +$1K | +0.5% |
| Q1 2026 | $206K | +$125K | +154.3% |
| Q4 2025 | $81K | −$141K | −63.5% |
| Q3 2025 | $222K | +$22K | +11.0% |
| Q2 2025 | $200K | −$3K | −1.5% |
| Q1 2025 | $203K | −$16K | −7.3% |
| Q4 2024 | $219K | +$2K | +0.9% |
| Q3 2024 | $217K | +$5K | +2.4% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Georgia Heritage Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Georgia Heritage Federal Credit Union by share.
Amounts from Georgia Heritage Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month · FREE with Direct Deposit and e-statement, if not met then $2.00
per month · FREE with minimum average daily balance of $4,000, if not met then $4.95
per item · per hour, minimum 1 hour
per hour
per item
per item · Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card
per item · Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card
per item
per item
per item
one time
per item
per item · per Wire
per item · Per Wire
per item · per Wire
per item
per item · per Wire
per item · per check
per item
per item · Draft, ACH, or Official Check
per item
per item
per item
per item
per year
per year
per year
per year
per year
per year
per year
per item
per year · after 30 days delinquent
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee - Advantage Checking | $7.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee - Eazy Checking | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | FREE with Direct Deposit and e-statement, if not met then $2.00 |
| Monthly Service Fee - Premium Checking | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | FREE with minimum average daily balance of $4,000, if not met then $4.95 |
| Early Account Closure Fee - if closed within 3 months of opening | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation/Research Fee | $25Inside the U.S. middle 50% ($7 to $25 nationally) | per item | per hour, minimum 1 hour |
| Account Reconciliation/Research Fee - per hour, minimum 1 hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Charge Off Processing Fee | $25Inside the U.S. middle 50% ($7 to $25 nationally) | per item | None |
| Payment Processing Fee - Telephone with Personal Representative | $25Inside the U.S. middle 50% ($7 to $25 nationally) | per item | Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card |
| Payment Processing Fee - Web Initiated | $4.95Below the U.S. middle 50% ($7 to $25 nationally) | per item | Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card |
| Repossession Processing Fee | $50Above the U.S. middle 50% ($7 to $25 nationally) | per item | None |
| Bad Address Fee - Returned Cards (ATM/Debit Cards) | $15Not compared: Per-occurrence charge, not monthly | per item | None |
| Bad Address Fee - Returned Mail | $10Not compared: Per-occurrence charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) Fee - PAID ATM/Debit Card - (Opt-In Required for ATM/ One-Time Debit Items) | $33Inside the U.S. middle 50% ($25 to $33 nationally) | one time | None |
| Non-Sufficient Funds (NSF) Fee - PAID Draft/ACH Items | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Fee - UNPAID Draft/ACH Items | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer Fee - Outgoing Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | per Wire |
| Wire Transfer Fee - Outgoing Domestic, per Wire | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee - Incoming Domestic | $12Inside the U.S. middle 50% ($5 to $15 nationally) | per item | Per Wire |
| Wire Transfer Fee - Incoming Domestic, per Wire | $12Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee - Outgoing International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | per Wire |
| Wire Transfer Fee - Outgoing International, per Wire | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfer Fee - Incoming International | $35Above the U.S. middle 50% ($10 to $25 nationally) | per item | per Wire |
| Wire Transfer Fee - Incoming International, per Wire | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | per check |
| Official Check Fee - per check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $33Above the U.S. middle 50% ($20 to $30 nationally) | per item | Draft, ACH, or Official Check |
| Stop Payment Fee - Draft, ACH, or Official Check | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Item Fee (Incoming) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item Fee (Outgoing) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Web or Phone Initiated Payment Return Fee | $43Above the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
| BILL PAY Return Fee - Electronic | $7Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| BILL PAY Return Fee - Paper Check Mailed | $15Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Payment & Online/Mobile Banking | No chargeNot compared: Per-occurrence charge, not monthly | per item | None |
| Bill Payment & Online/Mobile Banking | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Services for Members | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary Services for Members | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 10X10 Box Annual Fee | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3X10 Box Annual Fee | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5X10 Box Annual Fee | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee - 10X10 Box | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee - 3X10 Box | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee - 3X5 Box | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee - 5X10 Box | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Key Replacement Fee | $30Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box Late Fee (Annual) | $15Not compared: Box drilling or key fee | per year | after 30 days delinquent |
| Levies, Garnishments, and Legal Proceedings Processing Fee | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Fax and Photocopy Service Fee - per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy Fee - per each copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Consumer Loan Processing fee | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Quick Cash Loan Application Fee | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Apr 20, 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.
Where Georgia Heritage Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Savannah, GA | 2 |
| Pooler, GA | 1 |
| Rincon, GA | 1 |
Largest competitors nearby
Local market: Chatham county, GA, around its headquarters.
| 25 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 18.3% |
| Truist Bank | 17.4% |
| Bank of America, National Association | 16.2% |
| SouthState Bank, National Association | 9% |
| Ameris Bank | 8.1% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.