Heart O' Texas Federal Credit Union

Headquarters: Waco, Texas
Charter: Credit Union
Assets: $54.6M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $2.50, the middle of its prices
Heart O' Texas Federal Credit Union: $0 to $5
Heart O' Texas Federal Credit Union: $0 to $5
U.S. median: no median
Overdraft (OD)
Heart O' Texas Federal Credit Union: $35
Heart O' Texas Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Heart O' Texas Federal Credit Union: $35
Heart O' Texas Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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

Account Maintenance

Monthly Service ChargeNo charge
per month
Monthly Service Charge$5
per month
Service charge (below minimum balance of)$10
Closed account within 180 days$25
Inactive Account (12+ months, monthly)$8
per month
Account Reconciliation per hour$35
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (printed, monthly)$2
per month
Invalid Address (monthly)$10
per month
Return Mail$5

Overdraft & NSF

Courtesy Pay Overdraft$35
Returned ACH (non-sufficient/uncollected funds)$35
Returned Check (non-sufficient/uncollected funds)$35
Overdraft transfer from savings$5

ATM & Card

Debit / ATM Replacement Card$5
Expedited Debit Card$65

Wire Transfers

Domestic Wire (outgoing)$30
Domestic Wire (incoming)$15
International Wire (outgoing)$65
International Wire (incoming)$45

Check Services

Bank Check (payable other than to member)$5
Money Orders (free for members age 65 and up)$1
Stop Payment$35
Temporary Checks (price per check)$5
per item
Check Cashing (Non-HOTFCU)$5
Check Copy$5

Account Services

Garnishment$50
Tax Levy$50
Verification of Deposit by 3rd Party$3

Other Fees

Statement Copy$5
Expedited Pay-Off on Real Estate (per request)$15
per item
Skip Payment (per loan)$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	No charge	per month	None
Monthly Service Charge	$5	per month	None
Service charge (below minimum balance of)	$10	Not stated	None
Closed account within 180 days	$25	Not stated	None
Inactive Account (12+ months, monthly)	$8	per month	None
Account Reconciliation per hour	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (printed, monthly)	$2	per month	None
Invalid Address (monthly)	$10	per month	None
Return Mail	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Overdraft	$35	Not stated	None
Returned ACH (non-sufficient/uncollected funds)	$35	Not stated	None
Returned Check (non-sufficient/uncollected funds)	$35	Not stated	None
Overdraft transfer from savings	$5	Not stated	None
ATM & Card
Debit / ATM Replacement Card	$5	Not stated	None
Expedited Debit Card	$65	Not stated	None
Wire Transfers
Domestic Wire (outgoing)	$30	Not stated	None
Domestic Wire (incoming)	$15	Not stated	None
International Wire (outgoing)	$65	Not stated	None
International Wire (incoming)	$45	Not stated	None
Check Services
Bank Check (payable other than to member)	$5	Not stated	None
Money Orders (free for members age 65 and up)	$1	Not stated	None
Stop Payment	$35	Not stated	None
Temporary Checks (price per check)	$5	per item	None
Check Cashing (Non-HOTFCU)	$5	Not stated	None
Check Copy	$5	Not stated	None
Account Services
Garnishment	$50	Not stated	None
Tax Levy	$50	Not stated	None
Verification of Deposit by 3rd Party	$3	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None
Expedited Pay-Off on Real Estate (per request)	$15	per item	None
Skip Payment (per loan)	$35	per item	None

Correct a fee source

Nov 4, 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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