25 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 4, 2026
Call-report figures are for Heart O' Texas Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Heart O' Texas Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $131K in Q2 2026, 11% below the same quarter a year earlier ($147K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $2.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Fee income was about level from Q3 2025 to Q2 2026, at $131K.
$131K
Heart O' Texas Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Heart O' Texas Federal Credit Union · $55M in assets
Banks and credit unions in the Waco, TX metro
Banks and credit unions with branches in the Waco, TX metro: the local competitors for deposits and customers. They range from $4M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Heart O' Texas Federal Credit Union(this institution) | Waco, TX | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Acadiana Medical Federal Credit Union | Lafayette, LA | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Classic Bank, National Association | Cameron, TX | $657M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Educators Federal Credit Union | Waco, TX | $610M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Extraco Banks, National Association | Temple, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Central Federal Credit Union | Waco, TX | $192M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fontana Federal Credit Union | Fontana, CA | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Highway District 9 Federal Credit Union | Waco, TX | $4M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Linkage Federal Credit Union | Waco, TX | $18M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Matagorda County Federal Credit Union | Bay City, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mclennan County Employees Federal Credit Union | Waco, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mcmurrey Federal Credit Union | Tyler, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Members Choice Of Central Texas Federal Credit Union | Waco, TX | $213M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pba Federal Credit Union | Pine Bluff, AR | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Teachers & Parents Federal Credit Union | Baton Rouge, LA | $29M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SouthState Bank, National Association | Winter Haven, FL | $68.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texell Federal Credit Union | Temple, TX | $801M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
22 peers selected · 13 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $2.50, the middle of its two prices, against a peer median of $10.25 among 13 publishing peers.
Its two checking prices are $0 and $5.
$2.50 is a comparison price, not a fee anyone is charged.
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 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Heart O' Texas Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $131K | +$1K | +0.8% |
| Q1 2026 | $130K | −$2K | −1.5% |
| Q4 2025 | $132K | $0 | 0.0% |
| Q3 2025 | $132K | −$15K | −10.2% |
| Q2 2025 | $147K | +$20K | +15.7% |
| Q1 2025 | $127K | −$16K | −11.2% |
| Q4 2024 | $143K | +$6K | +4.4% |
| Q3 2024 | $137K | +$3K | +2.2% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Heart O' Texas Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per hour
per month
per month
| 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 |
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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