Heritage Federal Credit Union

Headquarters: Newburgh, Indiana
Charter: Credit Union
Assets: $1.0B
Fed district: St. Louis

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

Source: its fee schedule, read Oct 19, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Compared at $7.50, the middle of its prices
Heritage Federal Credit Union: $5 to $10
Heritage Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Heritage Federal Credit Union: $30
Heritage Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Heritage Federal Credit Union: $30
Heritage Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

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.

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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

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Published fee schedule

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

Account Maintenance

Monthly service fee$5
per month
Monthly service fee$10
per month
Monthly service fee if balance falls below $5001$5
per month
Dormant account fee$5
per month
Account balancing/research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2

Overdraft & NSF

Overdraft tolerance (ODT) fee$30
per item
Insufficient funds (NSF) fee$30
per item
Continuous Overdraft$3
per day
Overdraft transfer from another share or loan$5

ATM & Card

Visa® Debit card replacement$5
Foreign transaction fee2…$1

Wire Transfers

Foreign wire transfer (Outgoing)$50
Not compared: Monthly charge, not per item
per month

Check Services

Money order$2
Stop payment fee$30
Copy of check$3
per item

Account Services

10” x 10” Size$75
3” x 10” Size$25
3” x 5” Size$15
5” x 10” Size$40
Box drilling$200
Not compared: Box drilling or key fee
Lost key$8
Not compared: Box drilling or key fee
Safe Deposit Box$65
Check order Varies according to style: Ta$75
Prime Advantage receives 1 box per order at cost of S&H only for selected design, | Garnishment$20

Gift & Prepaid Cards

Visa® Gift Card - Member$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$5	per month	None
Monthly service fee	$10	per month	None
Monthly service fee if balance falls below $5001	$5	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
Overdraft & NSF
Overdraft tolerance (ODT) fee	$30	per item	None
Insufficient funds (NSF) fee	$30	per item	None
Continuous Overdraft	$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 fee2…	$1	Not stated	None
Wire Transfers
Foreign wire transfer (Outgoing)	$50Not compared: Monthly charge, not per item	per month	None
Check Services
Money order	$2	Not stated	None
Stop payment fee	$30	Not stated	None
Copy of check	$3	per item	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
5” x 10” Size	$40	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	$65	Not stated	None
Check order Varies according to style: Ta	$75	Not stated	None
Prime Advantage receives 1 box per order at cost of S&H only for selected design, \| Garnishment	$20	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card - Member	$3	per item	None

Account Maintenance

Monthly service fee if balance falls below ¹$10
per month
Dormant account fee$5
per month
Account balancing/research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
Bad address fee$3
per month

Overdraft & NSF

Overdraft tolerance (ODT) fee$30
per item
Insufficient funds (NSF) fee$30
per item
Daily overdraft fee$3
per day
Overdraft transfer from another share or loan$5

ATM & Card

Visa® Debit card replacement$5
Foreign transaction fee$1
per item

Wire Transfers

Domestic wire transfer (outgoing)$25
Foreign wire transfer (outgoing)$50

Check Services

Cashier’s Check - Payable to memberNo charge
Money order$2
Stop payment fee$30
Small Business Checking Account: Check cashing fee$1
Foreign Items Sent for Collection$10
Copy of check$3
per item

Digital & Electronic

Online Cash Management & Bill Pay$19.95
per month

Cash & Deposit

Night Depository Key$5
Night Depository Lost Key Replacement$10

Account Services

10” x 10” Size$75
3” x 10” Size$25
3” x 5” Size$15
4” x 10” Size (Haubstadt location only)$35
5” x 10” Size$40
7” x 10” Size (Henderson location only)$65
Box Drilling$200
Not compared: Box drilling or key fee
Late payment fee (after 60 days)$10
Not compared: Box drilling or key fee
Lost Key$8
Not compared: Box drilling or key fee
Garnishment$20
per item
Tax Levy$75
per item

Gift & Prepaid Cards

Visa Gift Card – Member$3

Other Fees

Business Checking Account: Copy of Account Analysis Statement$3
Copy of Visa transaction receipt$15
Check order$30

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

Correct a fee source

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.

Fee change alerts

Get an email when Heritage Federal Credit Union's ach origination changes in our data

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Fees against the market

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

Monthly Maintenance
Compared at $7.50, the middle of its prices
Heritage Federal Credit Union: $5 to $10
Heritage Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Heritage Federal Credit Union: $30
Heritage Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Heritage Federal Credit Union: $30
Heritage Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

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.

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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

Published fee schedule

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

Account Maintenance

Monthly service fee$5
per month
Monthly service fee$10
per month
Monthly service fee if balance falls below $5001$5
per month
Dormant account fee$5
per month
Account balancing/research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2

Overdraft & NSF

Overdraft tolerance (ODT) fee$30
per item
Insufficient funds (NSF) fee$30
per item
Continuous Overdraft$3
per day
Overdraft transfer from another share or loan$5

ATM & Card

Visa® Debit card replacement$5
Foreign transaction fee2…$1

Wire Transfers

Foreign wire transfer (Outgoing)$50
Not compared: Monthly charge, not per item
per month

Check Services

Money order$2
Stop payment fee$30
Copy of check$3
per item

Account Services

10” x 10” Size$75
3” x 10” Size$25
3” x 5” Size$15
5” x 10” Size$40
Box drilling$200
Not compared: Box drilling or key fee
Lost key$8
Not compared: Box drilling or key fee
Safe Deposit Box$65
Check order Varies according to style: Ta$75
Prime Advantage receives 1 box per order at cost of S&H only for selected design, | Garnishment$20

Gift & Prepaid Cards

Visa® Gift Card - Member$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$5	per month	None
Monthly service fee	$10	per month	None
Monthly service fee if balance falls below $5001	$5	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
Overdraft & NSF
Overdraft tolerance (ODT) fee	$30	per item	None
Insufficient funds (NSF) fee	$30	per item	None
Continuous Overdraft	$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 fee2…	$1	Not stated	None
Wire Transfers
Foreign wire transfer (Outgoing)	$50Not compared: Monthly charge, not per item	per month	None
Check Services
Money order	$2	Not stated	None
Stop payment fee	$30	Not stated	None
Copy of check	$3	per item	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
5” x 10” Size	$40	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	$65	Not stated	None
Check order Varies according to style: Ta	$75	Not stated	None
Prime Advantage receives 1 box per order at cost of S&H only for selected design, \| Garnishment	$20	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card - Member	$3	per item	None

Account Maintenance

Monthly service fee if balance falls below ¹$10
per month
Dormant account fee$5
per month
Account balancing/research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
Bad address fee$3
per month

Overdraft & NSF

Overdraft tolerance (ODT) fee$30
per item
Insufficient funds (NSF) fee$30
per item
Daily overdraft fee$3
per day
Overdraft transfer from another share or loan$5

ATM & Card

Visa® Debit card replacement$5
Foreign transaction fee$1
per item

Wire Transfers

Domestic wire transfer (outgoing)$25
Foreign wire transfer (outgoing)$50

Check Services

Cashier’s Check - Payable to memberNo charge
Money order$2
Stop payment fee$30
Small Business Checking Account: Check cashing fee$1
Foreign Items Sent for Collection$10
Copy of check$3
per item

Digital & Electronic

Online Cash Management & Bill Pay$19.95
per month

Cash & Deposit

Night Depository Key$5
Night Depository Lost Key Replacement$10

Account Services

10” x 10” Size$75
3” x 10” Size$25
3” x 5” Size$15
4” x 10” Size (Haubstadt location only)$35
5” x 10” Size$40
7” x 10” Size (Henderson location only)$65
Box Drilling$200
Not compared: Box drilling or key fee
Late payment fee (after 60 days)$10
Not compared: Box drilling or key fee
Lost Key$8
Not compared: Box drilling or key fee
Garnishment$20
per item
Tax Levy$75
per item

Gift & Prepaid Cards

Visa Gift Card – Member$3

Other Fees

Business Checking Account: Copy of Account Analysis Statement$3
Copy of Visa transaction receipt$15
Check order$30

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

Correct a fee source

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.