21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Apr 20, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee 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) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. 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 $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.
Comparison with U.S. 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
A blank median means fewer than 5 publish the fee.
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.
$207K
Georgia Heritage Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Georgia Heritage Federal Credit Union’s own schedules, with a source for each figure.
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
per item
per item · per Wire
per item · Per Wire
per item · per Wire
per item
per item · per Wire
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
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee - Advantage Checking | $7.95 | per month | None |
| Monthly Service Fee - Eazy Checking | $2 | per month | FREE with Direct Deposit and e-statement, if not met then $2.00 |
| Monthly Service Fee - Premium Checking | $4.95 | 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 | $10 | Not stated | None |
| Account Reconciliation/Research Fee | $25 | 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 | $25 | per item | None |
| Payment Processing Fee - Telephone with Personal Representative | $25 | per item | Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card |
| Payment Processing Fee - Web Initiated | $4.95 | per item | Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card |
| Repossession Processing Fee | $50 | 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) | $33 | one time | None |
| Non-Sufficient Funds (NSF) Fee - PAID Draft/ACH Items | $33 | Not stated | None |
| Non-Sufficient Funds (NSF) Fee - UNPAID Draft/ACH Items | $33 | Not stated | None |
ATM & Card | |||
| ATM/Debit Card Replacement Fee | $10 | per item | None |
Wire Transfers | |||
| Wire Transfer Fee - Outgoing Domestic | $25 | per item | per Wire |
| Wire Transfer Fee - Outgoing Domestic, per Wire | $25 | Not stated | None |
| Wire Transfer Fee - Incoming Domestic | $12 | per item | Per Wire |
| Wire Transfer Fee - Incoming Domestic, per Wire | $12 | Not stated | None |
| Wire Transfer Fee - Outgoing International | $50 | per item | per Wire |
| Wire Transfer Fee - Outgoing International, per Wire | $50 | per item | None |
| Wire Transfer Fee - Incoming International | $35 | per item | per Wire |
| Wire Transfer Fee - Incoming International, per Wire | $35 | Not stated | None |
Check Services | |||
| Official Check Fee | $5 | per item | per check |
| Official Check Fee - per check | $5 | per item | None |
| Stop Payment Fee | $33 | per item | Draft, ACH, or Official Check |
| Stop Payment Fee - Draft, ACH, or Official Check | $33 | Not stated | None |
| Collection Item Fee (Incoming) | $10 | Not stated | None |
| Collection Item Fee (Outgoing) | $25 | Not stated | None |
| Check Copy Fee | $3 | per item | None |
Digital & Electronic | |||
| Web or Phone Initiated Payment Return Fee | $43 | per item | None |
| BILL PAY Return Fee - Electronic | $7 | Not stated | None |
| BILL PAY Return Fee - Paper Check Mailed | $15 | 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 charge | Not stated | None |
Account Services | |||
| Notary Services for Members | No charge | per item | None |
| Notary Services for Members | No charge | Not stated | None |
| 10X10 Box Annual Fee | $100 | per year | None |
| 3X10 Box Annual Fee | $55 | per year | None |
| 5X10 Box Annual Fee | $75 | per year | None |
| Safe Deposit Box Fee - 10X10 Box | $100 | per year | None |
| Safe Deposit Box Fee - 3X10 Box | $55 | per year | None |
| Safe Deposit Box Fee - 3X5 Box | $35 | per year | None |
| Safe Deposit Box Fee - 5X10 Box | $75 | 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 | $75 | per item | None |
Other Fees | |||
| Fax and Photocopy Service Fee - per page | $1 | Not stated | None |
| Statement Copy Fee - per each copy | $5 | per item | None |
| Consumer Loan Processing fee | $50 | Not stated | None |
| Quick Cash Loan Application Fee | $35 | 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.
Fee change alerts
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