The Health & Education Federal Credit Union

Headquarters: Lexington, Kentucky
Charter: Credit Union
Assets: $125.8M
Fed district: Cleveland

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

NSF / Returned Item
The Health & Education Federal Credit Union: $30
The Health & Education Federal Credit Union: $30
U.S. median: no median
Stop Payment
The Health & Education Federal Credit Union: $30
The Health & Education Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Int'l Out)
The Health & Education Federal Credit Union: $60
The Health & Education Federal Credit Union: $60
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 The Health & Education Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Account$5
per month
Account Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Fee$30
per item
Overdraft Transfer Fee$4
per item

ATM & Card

ATM/Debit Card Replacement$5
per item

Wire Transfers

International Wire Fee$60
per item

Check Services

Official Check to a 3rd Party$5
per item
Money Order Fee$1
Stop Payment Fee$30
per item

Cash & Deposit

Deposited Item Return - Member at other FI$10
per item
Deposited Item Return - Third Party$5
per item

Account Services

Garnishment/Levy Fee$20
per item

Other Fees

Statement Copy Fee$2

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account	$5	per month	None
Account Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Fee	$30	per item	None
Overdraft Transfer Fee	$4	per item	None
ATM & Card
ATM/Debit Card Replacement	$5	per item	None
Wire Transfers
International Wire Fee	$60	per item	None
Check Services
Official Check to a 3rd Party	$5	per item	None
Money Order Fee	$1	Not stated	None
Stop Payment Fee	$30	per item	None
Cash & Deposit
Deposited Item Return - Member at other FI	$10	per item	None
Deposited Item Return - Third Party	$5	per item	None
Account Services
Garnishment/Levy Fee	$20	per item	None
Other Fees
Statement Copy Fee	$2	Not stated	None

Correct a fee source

Nov 1, 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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