Compared with Oregon
6 of 16
compared fees are above the median.
5 below, 5 about the same.
About the same: within 1% of the median.
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
74th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Oregon median
of 16 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 28, 2026
Call-report figures are for Heritage Grove 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) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Oregon median | Published fees above the Oregon median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Heritage Grove Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 28, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (74th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $252K in Q2 2026, 0.8% below the same quarter a year earlier ($254K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 16 compared published fees sit above the Oregon median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Oregon medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Oregon, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 4.2% from Q3 2025 to Q2 2026, to $252K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$252K
Heritage Grove Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Heritage Grove Federal Credit Union · $167M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Heritage Grove Federal Credit Union(this institution) | Salem, OR | $167M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Gateway Federal Credit Union | Camanche, IA | $171M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Best Reward Federal Credit Union | Brook Park, OH | $163M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Buckeye State Federal Credit Union | Akron, OH | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Service Federal Credit Union | Huntsville, TX | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Epic Federal Credit Union | Metairie, LA | $164M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fd Community Federal Credit Union | Waterbury, CT | $163M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Four Points Federal Credit Union | Omaha, NE | $165M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Greater Woodlawn Federal Credit Union | Blasdell, NY | $168M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Harborlight Federal Credit Union | Whitehall, MI | $170M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Homefield Federal Credit Union | North Grafton, MA | $170M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hopewell Federal Credit Union | Heath, OH | $168M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Jefferson Parish Employees Federal Credit Union | Harahan, LA | $166M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Latah Federal Credit Union | Moscow, ID | $170M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lincoln Maine Federal Credit Union | Lincoln, ME | $163M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Valley Federal Credit Union | Springfield, MA | $167M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Princeton Federal Credit Union | Princeton, NJ | $169M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Red River Federal Credit Union | Altus, OK | $168M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Riegel Federal Credit Union | Milford, NJ | $168M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Scenic Community Federal Credit Union | Hixson, TN | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Chautauqua Federal Credit Union | Lakewood, NY | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Space Age Federal Credit Union | Aurora, CO | $168M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Focus Federal Credit Union | Oklahoma City, OK | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tulare County Federal Credit Union | Tulare, CA | $167M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Utah Heritage Federal Credit Union | Moroni, UT | $167M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wymar Federal Credit Union | Geismar, LA | $165M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.25 among 12 publishing peers.
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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Heritage Grove Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Heritage Grove 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 | $252K | +$3K | +1.2% |
| Q1 2026 | $249K | +$3K | +1.2% |
| Q4 2025 | $246K | −$17K | −6.5% |
| Q3 2025 | $263K | +$9K | +3.5% |
| Q2 2025 | $254K | +$10K | +4.1% |
| Q1 2025 | $244K | −$24K | −9.0% |
| Q4 2024 | $268K | +$15K | +5.9% |
| Q3 2024 | $253K | −$1K | −0.4% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Heritage Grove Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Heritage Grove Federal Credit Union by share.
Amounts from Heritage Grove Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Account Research/Reconciliation Fee | $25.00 per hour
per month
per page · Temporary Check Printing | $2.00 per page
per item
per page · Copies (per page) | $1.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Account Fee for Money Market (if average daily balance falls below minimum required) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Share Account Minimum Balance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconciliation Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research/Reconciliation Fee | $25.00 per hour |
| Bad Address Fee | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds/Overdraft (per item) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege Fee | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds/Overdraft (per item) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM/Debit Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa Foreign Currency Conversion Fee | 1%of the transaction | Not stated | None |
| Visa Foreign Currency Conversion Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing International Wire Transfer | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (Check or ACH) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Check Printing | $2Not compared: Charged per page; comparison unavailable | per page | Temporary Check Printing | $2.00 per page |
| Non-Member Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Item Sent for Collection | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| VISA® Cash Advance Fee (audience not stated, treated as personal) | 3%of the advance ($10 minimum) | Not stated | None |
| VISA® Cash Advance Fee | 3%of the advance ($10 minimum) | Not stated | None |
| Return Deposit Item (own check) | $29Above the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee for Consumer Loans | 5%($25 minimum) | Not stated | None |
| Late Fee for Consumer Loans (audience not stated, treated as personal) | 5%($25 minimum) | Not stated | None |
| Late Fee for Home Equity Loans | 5%($25 minimum) | Not stated | None |
| VISA® Late Payment Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Copies (per page) | $1Not compared: Charged per page; comparison unavailable | per page | Copies (per page) | $1.00 |
| Faxing (per fax) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Indirect Loan Processing Fee (waived for current members) | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Modification Fee | $75Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip Payment Fee | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour · Account Research/Reconciliation Fee | $25.00 per hour
per month
per page · Temporary Check Printing | $2.00 per page
per item
per page · Copies (per page) | $1.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Account Fee for Business Checking Account (applicable if average daily balance is less than $1,000.00) | $6 | per month | None |
| Monthly Account Fee for Money Market (if average daily balance falls below minimum required) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Share Account Minimum Balance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconciliation Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research/Reconciliation Fee | $25.00 per hour |
| Bad Address Fee | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds/Overdraft (per item) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege Fee | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds/Overdraft (per item) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM/Debit Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa Foreign Currency Conversion Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing International Wire Transfer | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (Check or ACH) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Check Printing | $2Not compared: Charged per page; comparison unavailable | per page | Temporary Check Printing | $2.00 per page |
| Non-Member Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Item Sent for Collection | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| VISA® Cash Advance Fee | 3%of the advance ($10 minimum) | Not stated | None |
| Return Deposit Item (not own check) [Business Accounts Only] | $10 | Not stated | None |
| Return Deposit Item (own check) | $29Above the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee for Home Equity Loans | 5%($25 minimum) | Not stated | None |
| VISA® Late Payment Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Copies (per page) | $1Not compared: Charged per page; comparison unavailable | per page | Copies (per page) | $1.00 |
| Faxing (per fax) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Indirect Loan Processing Fee (waived for current members) | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Modification Fee | $75Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip Payment Fee | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 28, 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.
Where Heritage Grove Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Salem, OR | 1 |
Largest competitors nearby
Local market: Marion and Polk counties, OR, around its headquarters.
| 16 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 20.5% |
| Columbia Bank | 19% |
| JPMorgan Chase Bank, National Association | 16% |
| Wells Fargo Bank, National Association | 14.7% |
| Pioneer Trust Bank, National Association | 8.3% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.