26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
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.
Overdraft (OD)
NSF / Returned Item
Compared at $20, the middle of its prices
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
American Heritage Federal Credit Union · $5.4B 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| American Heritage Federal Credit Union(this institution) | Philadelphia, PA | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Affinity Plus Federal Credit Union | Saint Paul, MN | $5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Apple Federal Credit Union | Fairfax, VA | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ascend Federal Credit Union | Tullahoma, TN | $4.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Canvas Federal Credit Union | Lone Tree, CO | $5.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Chevron Federal Credit Union | Concord, CA | $5.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Educational Employees Federal Credit Union | Fresno, CA | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eecu Federal Credit Union | Fort Worth, TX | $4.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Everwise Federal Credit Union | South Bend, IN | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fairwinds Federal Credit Union | Orlando, FL | $5.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Community Federal Credit Union | Chesterfield, MO | $5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Founders Federal Credit Union | Lancaster, SC | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Knoxville Tva Employees Federal Credit Union | Knoxville, TN | $5.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Langley Federal Credit Union | Newport News, VA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Municipal Federal Credit Union | New York, NY | $5.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Nasa Federal Credit Union | Upper Marlboro, MD | $5.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nusenda Federal Credit Union | Albuquerque, NM | $5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ornl Federal Credit Union | Oak Ridge, TN | $5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Robins Financial Federal Credit Union | Warner Robins, GA | $5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Employees Credit Union of Maryland | Linthicum, MD | $5.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| State Farm Federal Credit Union | Bloomington, IL | $5.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Dow Employees Federal Credit Union | Lake Jackson, TX | $5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tower Federal Credit Union | Laurel, MD | $5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Travis Federal Credit Union | Vacaville, CA | $5.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Truliant Federal Credit Union | Winston Salem, NC | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Washington State Employees Federal Credit Union | Olympia, WA | $5.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $8 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Amounts from American Heritage Federal Credit Union’s own schedules, with a source for each figure.
per year
per year
per year
per year
per year
per year
per year
per year
per year
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
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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