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Community credit union, $300M to $1B

First Heritage Federal Credit Union

Corning, New YorkCredit UnionNew York Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

Overdraft Fee$28Within the typical range ($20–$30 nationally)

Knox deterministic extraction from Rosetta artifact #3208. canonical_hint=overdraft; text_hash=706f45501c33699ea2ea934dd74f183fd6bdd59950780caa146ebdad50fb03b8; excerpt="Overdraft Fee: $28.00" · Source

Check ServicesVerified

Money order$3Within the typical range ($2–$3.50 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #3208. canonical_hint=money_order; text_hash=706f45501c33699ea2ea934dd74f183fd6bdd59950780caa146ebdad50fb03b8; excerpt="Money order: $3.00" · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #3208. canonical_hint=stop_payment; text_hash=706f45501c33699ea2ea934dd74f183fd6bdd59950780caa146ebdad50fb03b8; excerpt="Stop Payment Fee: $30.00" · Source

Lending FeesVerified

Visa credit card late payment fee$25Within the typical range ($15–$26.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3208. canonical_hint=late_payment; text_hash=706f45501c33699ea2ea934dd74f183fd6bdd59950780caa146ebdad50fb03b8; excerpt="Visa credit card late payment fee: $25.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
Overdraft Fee	$28Within the typical range ($20–$30 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3208. canonical_hint=overdraft; text_hash=706f45501c33699ea2ea934dd74f183fd6bdd59950780caa146ebdad50fb03b8; excerpt="Overdraft Fee: $28.00"	Source
Check ServicesVerified
Money order	$3Within the typical range ($2–$3.50 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #3208. canonical_hint=money_order; text_hash=706f45501c33699ea2ea934dd74f183fd6bdd59950780caa146ebdad50fb03b8; excerpt="Money order: $3.00"	Source
Stop Payment Fee	$30
Lending FeesVerified
Visa credit card late payment fee	$25Within the typical range ($15–$26.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3208. canonical_hint=late_payment; text_hash=706f45501c33699ea2ea934dd74f183fd6bdd59950780caa146ebdad50fb03b8; excerpt="Visa credit card late payment fee: $25.00"	Source

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Verified fees

Under review

Assets

$839.7M

Status: Verified

4 verified fees so far. Once 5 are verified, this profile gets a national-median comparison and a free competitive report.

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$839.7M

Total deposits

$748.4M

Service charge income (year to date)

$1.3M

Fee income ratio

5.2%

Return on assets

0.96%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 20,792 verified fees from 2,117 institutions

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