Hema Federal Credit Union

Headquarters: Silver Spring, Maryland
Charter: Credit Union
Assets: $16.7M
Fed district: Richmond

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

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

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

Non-Network ATM
Hema Federal Credit Union: $1
Hema Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Hema Federal Credit Union: $20
Hema Federal Credit Union: $20
U.S. median: no median
Stop Payment
Hema Federal Credit Union: $20
Hema 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 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond 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).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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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Among its peers

Hema Federal Credit Union · $17M 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 19 states.

Credit unions only
$16M to $17M in assets
Headquartered in 19 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
Hema Federal Credit Union(this institution)	Silver Spring, MD	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
1166 Federal Credit Union	Swedesboro, NJ	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Academic Employees Federal Credit Union	Columbia, MO	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alcose Federal Credit Union	White Oak, PA	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Anmed Federal Credit Union	Anderson, SC	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Berkeley Community Federal Credit Union	Moncks Corner, SC	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Clifty Creek Employees Federal Credit Union	Madison, IN	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cm Members Federal Credit Union	Columbus, MS	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farm Credit Employees Federal Credit Union	Saint Paul, MN	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Gallup Federal Credit Union	Omaha, NE	$16M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gateway Federal Credit Union	Clarksville, TN	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jefferson County Teachers Federal Credit Union	Monticello, FL	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lakewood Federal Credit Union	Rib Lake, WI	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Lithium Federal Credit Union	Bessemer City, NC	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Long Island Alliance Federal Credit Union	Hauppauge, NY	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwestern Federal Credit Union	Bryan, OH	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
One South Federal Credit Union	Natchez, MS	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ottawa Hiway Federal Credit Union	Ottawa, IL	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Palace City Federal Credit Union	Mitchell, SD	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Parthenon Federal Credit Union	Nashville, TN	$17M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Skyline Federal Credit Union	Nashville, TN	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southernmost Federal Credit Union	Key West, FL	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Spokane Media Federal Credit Union	Spokane, WA	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Tcp Federal Credit Union	Rural Hall, NC	$16M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Varex Federal Credit Union	Salt Lake City, UT	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
White County Federal Credit Union	Searcy, AR	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(domestic wire)

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

Fee type

Peer pricing snapshot

Domestic wire is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $20, against a peer median of $20 among 11 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 Oct 30, 2026.

Domestic wire fee in dollars, one mark per institution

Hema Federal Credit UnionPeer (equal prices stack)Peer median

Against this institution's domestic wire fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 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.

Published fee schedule

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

Account Maintenance

Dormant/Inactive Account (e)$10
per month
Escheatment Processing$50
Account Research/Reconciliation (min 1 hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Wellness Builder Savings Account Excess Withdrawal Fee (One (1) free withdrawal per month)$25
Incorrect Address/Returned Mail$10
per month

ATM & Card

ATM Withdrawals - over 10 withdrawals per month (b)$1
per item

Wire Transfers

Domestic Wire Transfer$20
Transfer/SWIFT Fee International Wire Transfer$45
Incoming International Wire Transfer$35

Check Services

Credit Union Official Check (a)$5
per item
Stop Payment$20
per item
Foreign Check Collection (d)$25

Account Services

Garnishment$100
Levy/Lien Processing$50
Lien Subordination$200

Other Fees

Mortgage Loan Modification (d)$500
Skip-a-Payment (e)$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant/Inactive Account (e)	$10	per month	None
Escheatment Processing	$50	Not stated	None
Account Research/Reconciliation (min 1 hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Wellness Builder Savings Account Excess Withdrawal Fee (One (1) free withdrawal per month)	$25	Not stated	None
Incorrect Address/Returned Mail	$10	per month	None
ATM & Card
ATM Withdrawals - over 10 withdrawals per month (b)	$1	per item	None
Wire Transfers
Domestic Wire Transfer	$20	Not stated	None
Transfer/SWIFT Fee International Wire Transfer	$45	Not stated	None
Incoming International Wire Transfer	$35	Not stated	None
Check Services
Credit Union Official Check (a)	$5	per item	None
Stop Payment	$20	per item	None
Foreign Check Collection (d)	$25	Not stated	None
Account Services
Garnishment	$100	Not stated	None
Levy/Lien Processing	$50	Not stated	None
Lien Subordination	$200	Not stated	None
Other Fees
Mortgage Loan Modification (d)	$500	Not stated	None
Skip-a-Payment (e)	$30	per item	None

Correct a fee source

Nov 3, 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 Hema Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Non-Network ATM
Hema Federal Credit Union: $1
Hema Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Hema Federal Credit Union: $20
Hema Federal Credit Union: $20
U.S. median: no median
Stop Payment
Hema Federal Credit Union: $20
Hema 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 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond 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).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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.

Among its peers

Hema Federal Credit Union · $17M 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 19 states.

Credit unions only
$16M to $17M in assets
Headquartered in 19 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
Hema Federal Credit Union(this institution)	Silver Spring, MD	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
1166 Federal Credit Union	Swedesboro, NJ	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Academic Employees Federal Credit Union	Columbia, MO	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alcose Federal Credit Union	White Oak, PA	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Anmed Federal Credit Union	Anderson, SC	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Berkeley Community Federal Credit Union	Moncks Corner, SC	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Clifty Creek Employees Federal Credit Union	Madison, IN	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cm Members Federal Credit Union	Columbus, MS	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farm Credit Employees Federal Credit Union	Saint Paul, MN	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Gallup Federal Credit Union	Omaha, NE	$16M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gateway Federal Credit Union	Clarksville, TN	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jefferson County Teachers Federal Credit Union	Monticello, FL	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lakewood Federal Credit Union	Rib Lake, WI	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Lithium Federal Credit Union	Bessemer City, NC	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Long Island Alliance Federal Credit Union	Hauppauge, NY	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwestern Federal Credit Union	Bryan, OH	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
One South Federal Credit Union	Natchez, MS	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ottawa Hiway Federal Credit Union	Ottawa, IL	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Palace City Federal Credit Union	Mitchell, SD	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Parthenon Federal Credit Union	Nashville, TN	$17M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Skyline Federal Credit Union	Nashville, TN	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southernmost Federal Credit Union	Key West, FL	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Spokane Media Federal Credit Union	Spokane, WA	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Tcp Federal Credit Union	Rural Hall, NC	$16M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Varex Federal Credit Union	Salt Lake City, UT	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
White County Federal Credit Union	Searcy, AR	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(domestic wire)

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

Fee type

Peer pricing snapshot

Domestic wire is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $20, against a peer median of $20 among 11 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 Oct 30, 2026.

Domestic wire fee in dollars, one mark per institution

Hema Federal Credit UnionPeer (equal prices stack)Peer median

Against this institution's domestic wire fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 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.

Published fee schedule

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

Account Maintenance

Dormant/Inactive Account (e)$10
per month
Escheatment Processing$50
Account Research/Reconciliation (min 1 hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Wellness Builder Savings Account Excess Withdrawal Fee (One (1) free withdrawal per month)$25
Incorrect Address/Returned Mail$10
per month

ATM & Card

ATM Withdrawals - over 10 withdrawals per month (b)$1
per item

Wire Transfers

Domestic Wire Transfer$20
Transfer/SWIFT Fee International Wire Transfer$45
Incoming International Wire Transfer$35

Check Services

Credit Union Official Check (a)$5
per item
Stop Payment$20
per item
Foreign Check Collection (d)$25

Account Services

Garnishment$100
Levy/Lien Processing$50
Lien Subordination$200

Other Fees

Mortgage Loan Modification (d)$500
Skip-a-Payment (e)$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant/Inactive Account (e)	$10	per month	None
Escheatment Processing	$50	Not stated	None
Account Research/Reconciliation (min 1 hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Wellness Builder Savings Account Excess Withdrawal Fee (One (1) free withdrawal per month)	$25	Not stated	None
Incorrect Address/Returned Mail	$10	per month	None
ATM & Card
ATM Withdrawals - over 10 withdrawals per month (b)	$1	per item	None
Wire Transfers
Domestic Wire Transfer	$20	Not stated	None
Transfer/SWIFT Fee International Wire Transfer	$45	Not stated	None
Incoming International Wire Transfer	$35	Not stated	None
Check Services
Credit Union Official Check (a)	$5	per item	None
Stop Payment	$20	per item	None
Foreign Check Collection (d)	$25	Not stated	None
Account Services
Garnishment	$100	Not stated	None
Levy/Lien Processing	$50	Not stated	None
Lien Subordination	$200	Not stated	None
Other Fees
Mortgage Loan Modification (d)	$500	Not stated	None
Skip-a-Payment (e)	$30	per item	None

Correct a fee source

Nov 3, 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.