H E B Federal Credit Union

Headquarters: San Antonio, Texas
Charter: Credit Union
Assets: $218.2M
Fed district: Dallas
Regulator: NCUA

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

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

Overview

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

How these figures are measured

Call-report figures are for H E B 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.	H E B 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

Details

Source: NCUA 5300 call report
Entity: H E B Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $206K in Q2 2026, about level with the same quarter a year earlier ($205K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Monthly Maintenance
Classic Checking Account $5 · Premier Checking Account $6
Compared at $5.50, the middle of its prices
H E B Federal Credit Union: $5 to $6
H E B Federal Credit Union: $5 to $6
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
H E B Federal Credit Union: $1.75 to $2.25
H E B Federal Credit Union: $1.75 to $2.25
U.S. median: no median
Stop Payment
H E B Federal Credit Union: $20
H E B Federal Credit Union: $20
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.

Fee income beside fee prices

Fee income fell 6.8% from Q3 2025 to Q2 2026, to $206K.

Fee income, Q2 2026

$206K

$221KQ3 2025

$228KQ4 2025

$205KQ1 2026

$206KQ2 2026

Against the median

H E B Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

H E B Federal Credit Union · $218M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$212M to $224M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
H E B Federal Credit Union(this institution)	San Antonio, TX	$218M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
1St Liberty Federal Credit Union	Great Falls, MT	$214M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Aac Federal Credit Union	Grand Rapids, MI	$212M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Acipco Federal Credit Union	Birmingham, AL	$221M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Autotruck Financial Federal Credit Union	Louisville, KY	$220M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Beacon Federal Credit Union	La Porte, TX	$215M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Canopy Federal Credit Union	Spokane, WA	$222M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Carolina Foothills Federal Credit Union	Spartanburg, SC	$224M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Chrome Federal Credit Union	Canonsburg, PA	$224M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Denver Fire Department Federal Credit Union	Denver, CO	$214M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Expedition Federal Credit Union	Mendota Heights, MN	$223M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fort Mcclellan Federal Credit Union	Anniston, AL	$224M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Harris County Federal Credit Union	Houston, TX	$223M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hometown Federal Credit Union	Kulm, ND	$223M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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
Okunity Federal Credit Union	Stillwater, OK	$215M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Palisades Federal Credit Union	Pearl River, NY	$212M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Parda Federal Credit Union	Auburn Hills, MI	$217M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Railway Federal Credit Union	Mandan, ND	$212M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Stark Federal Credit Union	canton, OH	$218M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texasgulf Federal Credit Union	Wharton, TX	$220M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
U S #1364 Federal Credit Union	Merrillville, IN	$222M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
U. S. Employees O. C. Federal Credit Union	Oklahoma City, OK	$213M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Consumers Federal Credit Union	Independence, MO	$217M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Urw Community Federal Credit Union	Danville, VA	$224M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Western Division Federal Credit Union	Williamsville, NY	$224M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.50 (10%) above the median of similar-sized credit unions.

Compared at $5.50, the middle of its two prices, against a peer median of $5 among 8 publishing peers.

Its two checking prices are $5 and $6.

$5.50 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

H E B Federal Credit Union: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for H E B Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $206K
vs prior quarter: +$1K+0.5%; from Q1 2026
vs a year earlier: +$1K+0.5%; from Q2 2025
vs start of range: −$3K−1.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: H E B Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$206K	+$1K	+0.5%
Q1 2026	$205K	−$23K	−10.1%
Q4 2025	$228K	+$7K	+3.2%
Q3 2025	$221K	+$16K	+7.8%
Q2 2025	$205K	+$17K	+9.0%
Q1 2025	$188K	−$35K	−15.7%
Q4 2024	$223K	+$14K	+6.7%
Q3 2024	$209K	+$19K	+10.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from H E B Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Classic Checking (Share Draft) Account monthly service charge$5
per month
Premier Checking (Share Draft) Account monthly service charge$6
per month
Quarterly Inactivity Fee$10
Not compared: Quarterly charge, not monthly
per quarter
Paper Periodic Statement Fee (per statement cycle)$4
per month

Overdraft & NSF

Overdraft Transfers (preauthorized from depository account or Line of Credit Account in increments of $25.00) per transfer$4
per item

ATM & Card

ATM Balance inquiry (per inquiry)$1.75
per item
ATM Withdrawal (per transaction at non-free H-E-B FCU ATM)$2.25
per transaction
Debit Card replacement (per card)$5
per item
MasterCard Foreign Transaction fee1%of the transaction
MasterCard Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Check Services

Money Orders (each)$1.25
per item
Stop Payment Orders (each)$20
per item

Other Fees

Basic Checking (Share Draft) checks – 9th and each additional check per statement cycle (each)$2

Fee	Amount	Basis	Note
Account Maintenance
Classic Checking (Share Draft) Account monthly service charge	$5	per month	None
Premier Checking (Share Draft) Account monthly service charge	$6	per month	None
Quarterly Inactivity Fee	$10Not compared: Quarterly charge, not monthly	per quarter	None
Paper Periodic Statement Fee (per statement cycle)	$4	per month	None
Overdraft & NSF
Overdraft Transfers (preauthorized from depository account or Line of Credit Account in increments of $25.00) per transfer	$4	per item	None
ATM & Card
ATM Balance inquiry (per inquiry)	$1.75	per item	None
ATM Withdrawal (per transaction at non-free H-E-B FCU ATM)	$2.25	per transaction	None
Debit Card replacement (per card)	$5	per item	None
MasterCard Foreign Transaction fee	1%of the transaction	Not stated	None
MasterCard Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Money Orders (each)	$1.25	per item	None
Stop Payment Orders (each)	$20	per item	None
Other Fees
Basic Checking (Share Draft) checks – 9th and each additional check per statement cycle (each)	$2	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

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.

Fee change alerts

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