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, $300M to $1B

Bayer Heritage Federal Credit Union

New Martinsvill, West VirginiaCredit UnionRichmond Fed districtFees collected Oct 3, 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

Early Closed Account Fee$5Below the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee$29Within the typical range ($25–$33 nationally)
$1 below the national median$1.94 below the West Virginia median
Source
Non-Sufficient Funds (NSF) Fee$29Within the typical range ($25–$32 nationally)
$1 below the national median$1 below the West Virginia median
Source
Overdraft Protection Transfer from Savings Fee$1Below the typical range ($2.50–$5 nationally)
$4 below the national median$4 below the West Virginia median
per item · Source

Wire TransfersVerified

Wires - Outgoing Domestic$20Within the typical range ($20–$25 nationally)
$5 below the national medianAt the West Virginia median
Source
Wires - Outgoing Foreign$50Within the typical range ($40–$50 nationally)
At the national medianAt the West Virginia median
Source
Wires - Incoming Domestic or Foreign$5Below the typical range ($10–$25 nationally)
$15 below the national median
Source

Check ServicesVerified

Teller Check Fee$2Below the typical range ($3–$6 nationally)
$3 below the national median$3 below the West Virginia median
per item · Source
Stop Payment Fee$29Within the typical range ($20–$30 nationally)
$1.50 above the national median$1 below the West Virginia median
Source
Check Copy Fee$2.75Within the typical range ($2–$5 nationally)
$0.25 below the national median$2.25 below the West Virginia median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Early Closed Account Fee	$5Below the typical range ($10–$25 nationally)	$12.50 below the national median$5 below the West Virginia median	—	Knox extract.rules v17 categorized a line held for review from Rosetta artifact #996. canonical_hint=early_closure; text_hash=f1ef859572cecb6aa37bf01bbb0982dd8bc00d878ff456d7ab812089c62cd2f4; excerpt="Early Closed Account Fee: $5**"	Source
Dormant Account Fee	$10Within the typical range ($5–$10 nationally)	$5 above the national median$5 above the West Virginia median	per month	—	Source
Returned Mail Fee	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$8.50 below the West Virginia median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$29Within the typical range ($25–$33 nationally)	$1 below the national median$1.94 below the West Virginia median	—	—	Source
Non-Sufficient Funds (NSF) Fee	$29
Wire TransfersVerified
Wires - Outgoing Domestic	$20Within the typical range ($20–$25 nationally)	$5 below the national medianAt the West Virginia median	—	—	Source
Wires - Outgoing Foreign	$50
Check ServicesVerified
Teller Check Fee	$2Below the typical range ($3–$6 nationally)	$3 below the national median$3 below the West Virginia median	per item	—	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 ($10–$25 nationally)	$9 above the national median$9 above the West Virginia median	—	—	Source
Other FeesVerified
Statement Copy Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median$3 above the West Virginia median	—	—	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.

Overdraft

$29

Overdraft fee: $29

Overdraft fee is aligned with the national median

14 verified fees collected

Headline fees published

7 of 15

Published 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

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