Heritage Federal Credit Union

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

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

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

How these figures are measured

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) 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.	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

Details

Source: NCUA 5300 call report
Entity: Heritage 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 $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.

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.

Fee income beside fee prices

Fee income rose 17% from Q3 2025 to Q2 2026, to $2.0M.

Fee income, Q2 2026

$2.0M

$1.7MQ3 2025

$1.6MQ4 2025

$1.7MQ1 2026

$2.0MQ2 2026

Against the median

Heritage 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

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.

Credit unions only
$976M to $1.1B in assets
Headquartered in 18 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
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (50%) above the median of similar-sized credit unions.

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

Heritage Federal Credit U…: 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 Nov 3, 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 Heritage 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: $2.0M
vs prior quarter: +$314K+18.4%; from Q1 2026
vs a year earlier: +$245K+13.8%; from Q2 2025
vs start of range: +$487K+31.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Heritage 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	$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%

Fee-income share against its size cohort

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

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

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