First Heritage Federal Credit Union

Headquarters: Corning, New York
Charter: Credit Union
Assets: $839.7M
Fed district: New York

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

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

Overdraft (OD)
First Heritage Federal Credit Union: $28
First Heritage Federal Credit Union: $28
U.S. median: no median
Stop Payment
First Heritage Federal Credit Union: $30
First Heritage Federal Credit Union: $30
U.S. median: no median
Cashier's Check
First Heritage Federal Credit Union: $5
First Heritage Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York 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).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York 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 First Heritage Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Abandoned Property$100
Inactivity Fee$20
Not compared: Quarterly charge, not monthly
per quarter
Returned Mail$5

Overdraft & NSF

Courtesy Pay$28
Overdraft Fee$28

ATM & Card

Visa Card Replacement$5
Currency conversion1%of the transaction
per transaction
Currency conversion (audience not stated, treated as personal)1%of the transaction
per transaction

Check Services

Cashier's Check under $1,000$5
Money order$3
Bill Payment Stop Payment Fee$30
Stop Payment Fee$30

Digital & Electronic

Bill Payment Donation Check$1.99

Account Services

Mortgage subordination fee$200

Lending Fees

Visa credit card late payment fee$25

Retirement & IRA

IRA Transfer to another Financial Institution$25

Other Fees

Loan payment made via ACH$6
Skip a Payment$25

Fee	Amount	Basis	Note
Account Maintenance
Abandoned Property	$100	Not stated	None
Inactivity Fee	$20Not compared: Quarterly charge, not monthly	per quarter	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Courtesy Pay	$28	Not stated	None
Overdraft Fee	$28	Not stated	None
ATM & Card
Visa Card Replacement	$5	Not stated	None
Currency conversion	1%of the transaction	per transaction	None
Currency conversion (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Check Services
Cashier's Check under $1,000	$5	Not stated	None
Money order	$3	Not stated	None
Bill Payment Stop Payment Fee	$30	Not stated	None
Stop Payment Fee	$30	Not stated	None
Digital & Electronic
Bill Payment Donation Check	$1.99	Not stated	None
Account Services
Mortgage subordination fee	$200	Not stated	None
Lending Fees
Visa credit card late payment fee	$25	Not stated	None
Retirement & IRA
IRA Transfer to another Financial Institution	$25	Not stated	None
Other Fees
Loan payment made via ACH	$6	Not stated	None
Skip a Payment	$25	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

Oct 26, 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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