Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $300M to $1B

Bayer Heritage Federal Credit Union

New Martinsvill, West VirginiaCredit UnionCleveland Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

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

per month · Knox deterministic extraction from Rosetta artifact #996. canonical_hint=dormant_account; text_hash=f1ef859572cecb6aa37bf01bbb0982dd8bc00d878ff456d7ab812089c62cd2f4; excerpt="Dormant Account Fee: $10 per month" · Source

Overdraft & NSFVerified

Non-Sufficient Funds (NSF) Fee$29Within the typical range ($15–$30 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #996. canonical_hint=nsf; text_hash=f1ef859572cecb6aa37bf01bbb0982dd8bc00d878ff456d7ab812089c62cd2f4; excerpt="Non-Sufficient Funds (NSF) Fee: $29" · Source

Check ServicesVerified

Check Copy Fee$2.75Within the typical range ($2.25–$5 nationally)
$0.75 below the national median
Knox deterministic extraction from Rosetta artifact #996. canonical_hint=check_image; text_hash=f1ef859572cecb6aa37bf01bbb0982dd8bc00d878ff456d7ab812089c62cd2f4; excerpt="Check Copy Fee: $2.75" · Source
Stop Payment Fee$29Within the typical range ($20–$30 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #996. canonical_hint=stop_payment; text_hash=f1ef859572cecb6aa37bf01bbb0982dd8bc00d878ff456d7ab812089c62cd2f4; excerpt="Stop Payment Fee: $29" · Source

Lending FeesVerified

To ensure quality member service, the following fees have been set and may be adjusted as needed by the Board. Effective$29Above the typical range ($15–$28.38 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #996. canonical_hint=late_payment; text_hash=f1ef859572cecb6aa37bf01bbb0982dd8bc00d878ff456d7ab812089c62cd2f4; excerpt="To ensure quality member service, the following fees have been set and may be adjusted as needed by the Board. Effective February 1, 2018: a late payment fee of $29.00 will be asse" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #996. canonical_hint=dormant_account; text_hash=f1ef859572cecb6aa37bf01bbb0982dd8bc00d878ff456d7ab812089c62cd2f4; excerpt="Dormant Account Fee: $10 per month"	Source
Overdraft & NSFVerified
Non-Sufficient Funds (NSF) Fee	$29Within the typical range ($15–$30 nationally)	$4 above the national median	—	Knox deterministic extraction from Rosetta artifact #996. canonical_hint=nsf; text_hash=f1ef859572cecb6aa37bf01bbb0982dd8bc00d878ff456d7ab812089c62cd2f4; excerpt="Non-Sufficient Funds (NSF) Fee: $29"	Source
Check ServicesVerified
Check Copy Fee	$2.75Within the typical range ($2.25–$5 nationally)	$0.75 below the national median	—	Knox deterministic extraction from Rosetta artifact #996. canonical_hint=check_image; text_hash=f1ef859572cecb6aa37bf01bbb0982dd8bc00d878ff456d7ab812089c62cd2f4; excerpt="Check Copy Fee: $2.75"	Source
Stop Payment Fee	$29
Lending FeesVerified
To ensure quality member service, the following fees have been set and may be adjusted as needed by the Board. Effective	$29Above the typical range ($15–$28.38 nationally)	$4 above the national median	—	Knox deterministic extraction from Rosetta artifact #996. canonical_hint=late_payment; text_hash=f1ef859572cecb6aa37bf01bbb0982dd8bc00d878ff456d7ab812089c62cd2f4; excerpt="To ensure quality member service, the following fees have been set and may be adjusted as needed by the Board. Effective February 1, 2018: a late payment fee of $29.00 will be asse"	Source

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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: $29

16% above the national median NSF fee

Total fees: 5 — leaner than most institutions

Verified fees

Under review

Assets

$800.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$800.7M

Total deposits

$721.6M

Service charge income (year to date)

$2.5M

Fee income ratio

9.0%

Return on assets

0.81%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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