Heritage Usa Federal Credit Union

Headquarters: Midland, Texas
Charter: Credit Union
Assets: $98.5M
Fed district: Dallas

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

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

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Heritage Usa Federal Credit Union: $29.50
Heritage Usa Federal Credit Union: $29.50
U.S. median: no median
NSF / Returned Item
Compared at $28.50, the middle of its prices
Heritage Usa Federal Credit Union: $27.50 to $29.50
Heritage Usa Federal Credit Union: $27.50 to $29.50
U.S. median: no median
Stop Payment
Heritage Usa Federal Credit Union: $27.50
Heritage Usa Federal Credit Union: $27.50
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 Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 Usa Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Close Fee (within 90 days)$10
Dormant Account Fee$1
per month
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$29.50
Overdraft Privilege$29.50
per item
NSF Item Charges$29.50
Stop Payment Fee/WSUD Return Item$27.50

ATM & Card

Replacement Card$10

Check Services

Official Checks$5
Money Orders$2
Stop Payment Fee /WSUD Fee$27.50
Temporary Checks (4 checks)$2
per item

Cash & Deposit

Coin Machine Fee10%
Returned Deposit Fee$15

Account Services

Safe Deposit Box 10 x 10$60
per year
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$60
Safe Deposit Box 3 x 10$35
per year
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$35
Safe Deposit Box 3 x 5$25
per year
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$25
Safe Deposit Box 5 x 10$45
per year
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$45
Safe Deposit Box 5 x 5$30
per year
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$30
Safe Deposit Box Deposit$50

Lending Fees

Indirect Loan Payment Late Fee$29
Loan Payment Late Fee$29

Gift & Prepaid Cards

Visa Gift Card$2

Fee	Amount	Basis	Note
Account Maintenance
Early Account Close Fee (within 90 days)	$10	Not stated	None
Dormant Account Fee	$1	per month	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$29.50	Not stated	None
Overdraft Privilege	$29.50	per item	None
NSF Item Charges	$29.50	Not stated	None
Stop Payment Fee/WSUD Return Item	$27.50	Not stated	None
ATM & Card
Replacement Card	$10	Not stated	None
Check Services
Official Checks	$5	Not stated	None
Money Orders	$2	Not stated	None
Stop Payment Fee /WSUD Fee	$27.50	Not stated	None
Temporary Checks (4 checks)	$2	per item	None
Cash & Deposit
Coin Machine Fee	10%	Not stated	None
Returned Deposit Fee	$15	Not stated	None
Account Services
Safe Deposit Box 10 x 10	$60	per year	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$60	Not stated	None
Safe Deposit Box 3 x 10	$35	per year	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3 x 5	$25	per year	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 5 x 10	$45	per year	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 5 x 5	$30	per year	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box Deposit	$50	Not stated	None
Lending Fees
Indirect Loan Payment Late Fee	$29	Not stated	None
Loan Payment Late Fee	$29	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$2	Not stated	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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