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.

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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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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.

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