Compared with Indiana
2 of 15
compared fees are above the median.
5 below, 8 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
85th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Indiana median
of 15 compared; 5 below, 8 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Heritage 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 452 credit unions with $1B to $10B 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 Indiana median | Published fees above the Indiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Heritage Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (85th 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 $2.0M in Q2 2026, 14% above the same quarter a year earlier ($1.8M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 15 compared published fees sit above the Indiana 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 Indiana medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $7.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Indiana, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 17% from Q3 2025 to Q2 2026, to $2.0M. Its share of revenue, 11%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$2.0M
Heritage 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
Heritage Federal Credit Union · $1B 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Heritage Federal Credit Union(this institution) | Newburgh, IN | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 1St Advantage Federal Credit Union | Newport News, VA | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 4Front Federal Credit Union | Traverse City, MI | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brazos Valley Schools Federal Credit Union | Katy, TX | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brightstar Federal Credit Union | Fort Lauderdale, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connex Federal Credit Union | North Haven, CT | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Del-One Federal Credit Union | Dover, DE | $983M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Enrichment Federal Credit Union | Oak Ridge, TN | $984M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Family Security Federal Credit Union | Decatur, AL | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Golden Plains Federal Credit Union | Garden City, KS | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Texas Federal Credit Union | Austin, TX | $995M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Houston Police Federal Credit Union | Houston, TX | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kellogg Community Federal Credit Union | Battle Creek, MI | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Latino Community Federal Credit Union | Durham, NC | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Matanuska Valley Federal Credit Union | Palmer, AK | $977M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mccoy Federal Credit Union | Orlando, FL | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Merck Sharp & Dohme Federal Credit Union | Chalfont, PA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mirastar Federal Credit Union | San Jose, CA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| People First Federal Credit Union | Allentown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Point Breeze Federal Credit Union | Hunt Valley, MD | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Power Financial Federal Credit Union | Pembroke Pines, FL | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| St. Mary'S Federal Credit Union | Marlborough, MA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tucson Federal Credit Union | Tucson, AZ | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| University Of Hawaii Federal Credit Union | Honolulu, HI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Water And Power Community Federal Credit Union | Los Angeles, CA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westby Co-Op Federal Credit Union | Westby, WI | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its two prices, against a peer median of $5 among 10 publishing peers.
Its two checking prices are $5 and $10.
$7.50 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.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Heritage 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 | $2.0M | +$314K | +18.4% |
| Q1 2026 | $1.7M | +$106K | +6.6% |
| Q4 2025 | $1.6M | −$121K | −7.0% |
| Q3 2025 | $1.7M | −$54K | −3.0% |
| Q2 2025 | $1.8M | +$286K | +19.2% |
| Q1 2025 | $1.5M | +$41K | +2.8% |
| Q4 2024 | $1.4M | −$85K | −5.6% |
| Q3 2024 | $1.5M | +$3K | +0.2% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Heritage 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 Federal Credit Union by share.
Amounts from Heritage Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per item
per item
per day
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee if balance falls below $5001 | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account balancing/research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft tolerance (ODT) fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient funds (NSF) fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Continuous Overdraft | $3Below the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft transfer from another share or loan | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Visa® Debit card replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign transaction fee2… | $1Inside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| Foreign wire transfer (Outgoing) | $50Not compared: Monthly charge, not per item | per month | None |
Check Services | |||
| Money order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payment fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| 10” x 10” Size | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3” x 10” Size | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3” x 5” Size | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5” x 10” Size | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Box drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Lost key | $8Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Check order Varies according to style: Ta | $75Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
| Prime Advantage receives 1 box per order at cost of S&H only for selected design, | Garnishment | $20Below the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa® Gift Card - Member | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee if balance falls below ¹ | $10 | per month | None |
| Dormant account fee | $5 | per month | None |
| Account balancing/research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $2 | Not stated | None |
| Bad address fee | $3 | per month | None |
Overdraft & NSF | |||
| Overdraft tolerance (ODT) fee | $30 | per item | None |
| Insufficient funds (NSF) fee | $30 | per item | None |
| Daily overdraft fee | $3 | per day | None |
| Overdraft transfer from another share or loan | $5 | Not stated | None |
ATM & Card | |||
| Visa® Debit card replacement | $5 | Not stated | None |
| Foreign transaction fee | $1 | per item | None |
Wire Transfers | |||
| Domestic wire transfer (outgoing) | $25 | Not stated | None |
| Foreign wire transfer (outgoing) | $50 | Not stated | None |
Check Services | |||
| Cashier’s Check - Payable to member | No charge | Not stated | None |
| Money order | $2 | Not stated | None |
| Stop payment fee | $30 | Not stated | None |
| Small Business Checking Account: Check cashing fee | $1 | Not stated | None |
| Foreign Items Sent for Collection | $10 | Not stated | None |
| Copy of check | $3 | per item | None |
Digital & Electronic | |||
| Online Cash Management & Bill Pay | $19.95 | per month | None |
Cash & Deposit | |||
| Night Depository Key | $5 | Not stated | None |
| Night Depository Lost Key Replacement | $10 | Not stated | None |
Account Services | |||
| 10” x 10” Size | $75 | Not stated | None |
| 3” x 10” Size | $25 | Not stated | None |
| 3” x 5” Size | $15 | Not stated | None |
| 4” x 10” Size (Haubstadt location only) | $35 | Not stated | None |
| 5” x 10” Size | $40 | Not stated | None |
| 7” x 10” Size (Henderson location only) | $65 | Not stated | None |
| Box Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Late payment fee (after 60 days) | $10Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $8Not compared: Box drilling or key fee | Not stated | None |
| Garnishment | $20 | per item | None |
| Tax Levy | $75 | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card – Member | $3 | Not stated | None |
Other Fees | |||
| Business Checking Account: Copy of Account Analysis Statement | $3 | Not stated | None |
| Copy of Visa transaction receipt | $15 | Not stated | None |
| Check order | $30 | Not stated | None |
Oct 19, 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 Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
22 offices in 2 states (June 30, 2026)
Each dot is one office.
5 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Evansville, IN | 8 |
| Newburgh, IN | 5 |
| Henderson, KY | 2 |
| Boonville, IN | 1 |
| Elberfeld, IN | 1 |
| Haubstadt, IN | 1 |
| Jeffersonville, IN | 1 |
| Mount Vernon, IN | 1 |
Largest competitors nearby
Local market: Warrick county, IN, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| Old National Bank | 26.1% |
| Fifth Third Bank, National Association | 16.8% |
| Peoples Trust and Savings Bank | 14.4% |
| LNB Community Bank | 13.6% |
| German American Bank | 11.3% |
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.