Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

The Health & Education Federal Credit Union

Lexington, KentuckyCredit UnionCleveland Fed districtFees collected Oct 9, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Inactive Account$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

NSF Fee$30Within the typical range ($25–$32 nationally)
At the national medianAt the Kentucky median
per item · Source
Overdraft Transfer Fee$4Within the typical range ($2.50–$5 nationally)
$1 below the national medianAt the Kentucky median
per item · Source

Check ServicesVerified

Official Check to a 3rd Party$5Within the typical range ($3–$6 nationally)
At the national medianAt the Kentucky median
per item · Source
per money order$1Below the typical range ($1.50–$3 nationally)
$1 below the national median$0.50 below the Kentucky median
per item · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$1.52 above the Kentucky median
per item · Source

Cash & DepositVerified

Deposited Item Return - Member at other FI$10Within the typical range ($8–$25 nationally)
$5 below the national medianAt the Kentucky median
per item · Source
Deposited Item Return - Third Party$5Below the typical range ($8–$25 nationally)
$10 below the national median$5 below the Kentucky median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Inactive Account	$5Within the typical range ($5–$10 nationally)	At the national median$2 below the Kentucky median	per month	—	Source
Account Reconciliation	$30Above the typical range ($12–$25 nationally)	$12.50 above the national median$15 above the Kentucky median	—	—	Source
Overdraft & NSFVerified
NSF Fee	$30Within the typical range ($25–$32 nationally)	At the national medianAt the Kentucky median	per item	—	Source
Overdraft Transfer Fee	$4
ATM & CardVerified
ATM/Debit Card Replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median$5 below the Kentucky median	per item	—	Source
Wire TransfersVerified
International Wire Fee	$60Above the typical range ($40–$50 nationally)	$10 above the national median$10 above the Kentucky median	per item	—	Source
Check ServicesVerified
Official Check to a 3rd Party	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Kentucky median	per item	—	Source
per money order	$1
Cash & DepositVerified
Deposited Item Return - Member at other FI	$10Within the typical range ($8–$25 nationally)	$5 below the national medianAt the Kentucky median	per item	—	Source
Deposited Item Return - Third Party	$5
Account ServicesVerified
Garnishment/Levy Fee	$20Below the typical range ($30–$90 nationally)	$30 below the national median$55 below the Kentucky median	per item	—	Source
Other FeesVerified
Statement Copy Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median$0.56 below the Kentucky median	—	—	Source

Fee change alerts

Get an email when The Health & Education Federal Credit Union changes its collection items

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $30

NSF fee is aligned with the national median

13 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$125.8M

Work at The Health & Education Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. From $300: we reply within one business day with scope and price.

Request the report

Paid report from $300 · quote within 1 business day

Correct or add a fee source

Fee Insight Pro

Need this every month, for your whole team?

Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.

See Pro plans

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$125.8M

Total deposits

$104.5M

Service charge income (year to date)

$91K

Fee income ratio

3.2%

Return on assets

1.87%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 65,682 published fee entries from 3,608 institutions

See pricing