American Heritage Federal Credit Union

Headquarters: Philadelphia, Pennsylvania
Charter: Credit Union
Assets: $5.4B
Fed district: Philadelphia

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Monthly Maintenance
VIP Checking
Can be waived with a minimum balance of $5,000 or more.
American Heritage Federal Credit Union: $10
American Heritage Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
American Heritage Federal Credit Union: $10
American Heritage Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Compared at $20, the middle of its prices
American Heritage Federal Credit Union: $18 to $25
American Heritage Federal Credit Union: $18 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 American Heritage Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month · Avoid a $10 monthly fee when you maintain a minimum balance of $5,000 or more
Inactive Account Fee After: Presentment Fee$20
Research/Reconciliation Fee (Per Half Hour)$25
Incorrect Address Fee (Per Month)$5
per month

Overdraft & NSF

Overdraft Privilege$10
per item
Non-Sufficient Funds (NSF)/Returned NSF: Per Presentment$18
per item
Non-Sufficient Funds (NSF)/Returned NSF: Presentment Fee$20
Returned Check Fee$25

ATM & Card

Replacement Card$5
Replacement Card – EMV Chip Card$7.50
Rush Fee (Weekend or Next Day)$25

Wire Transfers

Wire Transfers: Outgoing, Domestic$35
Wire Transfers: IncomingNo charge
Wire Transfers: Outgoing, International$50

Check Services

Money Orders$2
Stop Payment of CU Issued Check$25
Stop Payment on Convenience Check: Presentment Fee$20
Counter Checks (Set of 4)$1
Check Cashing Fee (Non-Member Charge)$5
Foreign Check Fee$20
Copy of CU Issued Check$7
Microfilm Copy of Check$3

Cash & Deposit

Returned Check/Return of Deposited Item$25

Account Services

Notary ServiceNo charge
Safe Deposit Box 10" x 10"$120
per year
Safe Deposit Box 2" x 5"$20
per year
Safe Deposit Box 3" x 10"$40
per year
Safe Deposit Box 3" x 5"$25
per year
Safe Deposit Box 4" x 10"$50
per year
Safe Deposit Box 4" x 5"$30
per year
Safe Deposit Box 5" x 10"$60
per year
Safe Deposit Box 5" x 5"$35
per year
Safe Deposit Box 6" x 10"$80
per year
IRS Levy$100
Writ of Attachment (audience not stated, treated as personal)$100
Court Order Fee$50

Lending Fees

Origination fee$100
one time

Gift & Prepaid Cards

Gift Card$3.50

Other Fees

Copy of Home Mortgage Disclosure (HMDA)$75
Document Copy Fee$5
Statement Copy Fee$3
Commitment fee$150
one time

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	Avoid a $10 monthly fee when you maintain a minimum balance of $5,000 or more
Inactive Account Fee After: Presentment Fee	$20	Not stated	None
Research/Reconciliation Fee (Per Half Hour)	$25	Not stated	None
Incorrect Address Fee (Per Month)	$5	per month	None
Overdraft & NSF
Overdraft Privilege	$10	per item	None
Non-Sufficient Funds (NSF)/Returned NSF: Per Presentment	$18	per item	None
Non-Sufficient Funds (NSF)/Returned NSF: Presentment Fee	$20	Not stated	None
Returned Check Fee	$25	Not stated	None
ATM & Card
Replacement Card	$5	Not stated	None
Replacement Card – EMV Chip Card	$7.50	Not stated	None
Rush Fee (Weekend or Next Day)	$25	Not stated	None
Wire Transfers
Wire Transfers: Outgoing, Domestic	$35	Not stated	None
Wire Transfers: Incoming	No charge	Not stated	None
Wire Transfers: Outgoing, International	$50	Not stated	None
Check Services
Money Orders	$2	Not stated	None
Stop Payment of CU Issued Check	$25	Not stated	None
Stop Payment on Convenience Check: Presentment Fee	$20	Not stated	None
Counter Checks (Set of 4)	$1	Not stated	None
Check Cashing Fee (Non-Member Charge)	$5	Not stated	None
Foreign Check Fee	$20	Not stated	None
Copy of CU Issued Check	$7	Not stated	None
Microfilm Copy of Check	$3	Not stated	None
Cash & Deposit
Returned Check/Return of Deposited Item	$25	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Safe Deposit Box 10" x 10"	$120	per year	None
Safe Deposit Box 2" x 5"	$20	per year	None
Safe Deposit Box 3" x 10"	$40	per year	None
Safe Deposit Box 3" x 5"	$25	per year	None
Safe Deposit Box 4" x 10"	$50	per year	None
Safe Deposit Box 4" x 5"	$30	per year	None
Safe Deposit Box 5" x 10"	$60	per year	None
Safe Deposit Box 5" x 5"	$35	per year	None
Safe Deposit Box 6" x 10"	$80	per year	None
IRS Levy	$100	Not stated	None
Writ of Attachment (audience not stated, treated as personal)	$100	Not stated	None
Court Order Fee	$50	Not stated	None
Lending Fees
Origination fee	$100	one time	None
Gift & Prepaid Cards
Gift Card	$3.50	Not stated	None
Other Fees
Copy of Home Mortgage Disclosure (HMDA)	$75	Not stated	None
Document Copy Fee	$5	Not stated	None
Statement Copy Fee	$3	Not stated	None
Commitment fee	$150	one time	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 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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