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.

Explore Hamilton View published fees

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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Among its peers

First Heritage Federal Credit Union · $840M 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 18 states.

Credit unions only
$808M to $872M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Heritage Federal Credit Union(this institution)	Corning, NY	$840M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
1St Northern California Federal Credit Union	Martinez, CA	$829M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Air Academy Federal Credit Union	Colorado Springs, CO	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Christian Federal Credit Union	Glendora, CA	$820M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Ardent Federal Credit Union	Phila, PA	$869M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Atomic Federal Credit Union	Piketon, OH	$855M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Azura Federal Credit Union	Topeka, KS	$852M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Boulder Dam Federal Credit Union	Boulder City, NV	$872M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cinfed Federal Credit Union	Cincinnati, OH	$863M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dover-Phila Federal Credit Union	Dover, OH	$813M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Erie Federal Credit Union	Erie, PA	$808M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Credit Union	Chandler, AZ	$812M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Federal Credit Union	Idaho Falls, ID	$822M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hawaii Community Federal Credit Union	Kailua Kona, HI	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Heritage Family Federal Credit Union	Rutland, VT	$870M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Idb Global Federal Credit Union	Washington, DC	$842M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Intouch Federal Credit Union	Plano, TX	$837M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Liberty Bay Federal Credit Union	Braintree, MA	$827M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Maine Savings Federal Credit Union	Hampden, ME	$858M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mid Minnesota Federal Credit Union	Baxter, MN	$858M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Institutes Of Health Federal Credit Union	Rockville, MD	$817M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sacramento Federal Credit Union	Sacramento, CA	$858M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Skyone Federal Credit Union	Hawthorne, CA	$863M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southwest Airlines Federal Credit Union	Dallas, TX	$861M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Federal Credit Union	Middletown, RI	$811M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Triangle Federal Credit Union	Nashua, NH	$866M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Heritage Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.23 among 14 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 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Heritage Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

First Heritage Federal Cr…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when First Heritage Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

First Heritage Federal Credit Union · $840M 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 18 states.

Credit unions only
$808M to $872M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Heritage Federal Credit Union(this institution)	Corning, NY	$840M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
1St Northern California Federal Credit Union	Martinez, CA	$829M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Air Academy Federal Credit Union	Colorado Springs, CO	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Christian Federal Credit Union	Glendora, CA	$820M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Ardent Federal Credit Union	Phila, PA	$869M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Atomic Federal Credit Union	Piketon, OH	$855M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Azura Federal Credit Union	Topeka, KS	$852M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Boulder Dam Federal Credit Union	Boulder City, NV	$872M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cinfed Federal Credit Union	Cincinnati, OH	$863M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dover-Phila Federal Credit Union	Dover, OH	$813M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Erie Federal Credit Union	Erie, PA	$808M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Credit Union	Chandler, AZ	$812M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Federal Credit Union	Idaho Falls, ID	$822M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hawaii Community Federal Credit Union	Kailua Kona, HI	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Heritage Family Federal Credit Union	Rutland, VT	$870M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Idb Global Federal Credit Union	Washington, DC	$842M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Intouch Federal Credit Union	Plano, TX	$837M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Liberty Bay Federal Credit Union	Braintree, MA	$827M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Maine Savings Federal Credit Union	Hampden, ME	$858M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mid Minnesota Federal Credit Union	Baxter, MN	$858M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Institutes Of Health Federal Credit Union	Rockville, MD	$817M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sacramento Federal Credit Union	Sacramento, CA	$858M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Skyone Federal Credit Union	Hawthorne, CA	$863M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southwest Airlines Federal Credit Union	Dallas, TX	$861M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Federal Credit Union	Middletown, RI	$811M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Triangle Federal Credit Union	Nashua, NH	$866M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Heritage Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.23 among 14 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 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Heritage Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

First Heritage Federal Cr…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.