Heritage Family Federal Credit Union

Headquarters: Rutland, Vermont
Charter: Credit Union
Assets: $869.8M
Fed district: Boston
Regulator: NCUA

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

Source: its fee schedule, read Oct 15, 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 15, 2026

How these figures are measured

Call-report figures are for Heritage Family 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 Family Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Heritage Family 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 $2.1M in Q2 2026, 21% above the same quarter a year earlier ($1.7M).
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
Read More About Joint Checking Accounts
Heritage Family Federal Credit Union: $3.95
Heritage Family Federal Credit Union: $3.95
U.S. median: no median
Overdraft (OD)
Heritage Family Federal Credit Union: $30
Heritage Family Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Heritage Family Federal Credit Union: $30
Heritage Family 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 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Vermont, the Boston 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).
Vermont: Banks and credit unions headquartered in Vermont that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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 $2.1M.

Fee income, Q2 2026

$2.1M

$1.8MQ3 2025

$2.0MQ4 2025

$1.9MQ1 2026

$2.1MQ2 2026

Against the median

Heritage Family 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 Family Federal Credit Union · $870M 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 16 states.

Credit unions only
$837M to $905M in assets
Headquartered in 16 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 Family Federal Credit Union(this institution)	Rutland, VT	$870M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
All One Federal Credit Union	Leominster, MA	$881M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ardent Federal Credit Union	Phila, PA	$869M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Atomic Federal Credit Union	Piketon, OH	$855M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Azura Federal Credit Union	Topeka, KS	$852M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Boulder Dam Federal Credit Union	Boulder City, NV	$872M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central One Federal Credit Union	Shrewsbury, MA	$872M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cinfed Federal Credit Union	Cincinnati, OH	$863M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Communitywide Federal Credit Union	South Bend, IN	$874M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Heritage Federal Credit Union	Corning, NY	$840M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hope Federal Credit Union	Jackson, MS	$881M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Idb Global Federal Credit Union	Washington, DC	$842M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Intouch Federal Credit Union	Plano, TX	$837M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Maine Savings Federal Credit Union	Hampden, ME	$858M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members First Federal Credit Union	Midland, MI	$905M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Merced School Employees Federal Credit Union	Merced, CA	$899M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mid Minnesota Federal Credit Union	Baxter, MN	$858M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oceanair Federal Credit Union	Oxnard, CA	$882M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pelican Federal Credit Union	Baton Rouge, LA	$885M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pfcu Federal Credit Union	Portland, MI	$873M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sacramento Federal Credit Union	Sacramento, CA	$858M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Skyone Federal Credit Union	Hawthorne, CA	$863M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southwest Airlines Federal Credit Union	Dallas, TX	$861M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sun Community Federal Credit Union	El Centro, CA	$896M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Texas Bay Federal Credit Union	Houston, TX	$905M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Triangle Federal Credit Union	Nashua, NH	$866M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4.03 (51%) below the median of similar-sized credit unions.

Its published price is $3.95, against a peer median of $7.98 among 12 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Heritage Family Federal C…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Oct 31, 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 Family 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: $2.1M
vs prior quarter: +$151K+7.7%; from Q1 2026
vs a year earlier: +$371K+21.4%; from Q2 2025
vs start of range: +$205K+10.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Heritage Family 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	$2.1M	+$151K	+7.7%
Q1 2026	$1.9M	−$22K	−1.1%
Q4 2025	$2.0M	+$172K	+9.6%
Q3 2025	$1.8M	+$70K	+4.0%
Q2 2025	$1.7M	+$79K	+4.8%
Q1 2025	$1.7M	−$94K	−5.4%
Q4 2024	$1.7M	−$151K	−8.0%
Q3 2024	$1.9M	+$245K	+14.8%

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 Family Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$3.95
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay$30
per item
ACH NSF Fee$30
per item
Nonsufficient funds fee$30
per item
NSF Fee$30
per item
Overdraft Transfer From Shares$3

ATM & Card

Non-Network ATM$1
Non-proprietary & Foreign ATM Transaction Fee$1
per item
Card Replacement Fee$6
per item
Replacement card fee$6
per item
Foreign transactions3%of the transaction

Wire Transfers

Wire Transfer Fee (Outgoing)$20
per item
Wire Transfer Fee (Incoming)$10
per item
International Wire$28
International Wire Transfer$28
per item

Check Services

Cashier's Check Fee$5
per item
ACH Stop Payment Fee$30
per item
Stop Payment Fee$30
per item
Foreign Check Collection Fee$25
per item
Share Draft Copy$5
per item

Digital & Electronic

Bill Pay ServiceNo charge
Expedited electronic payment$5
Not compared: Per-transaction charge, not monthly
per transaction
Overnight check payment$20
Not compared: Per-transaction charge, not monthly
per transaction

Cash & Deposit

Returned Deposit Presentment Fee$15
per item

Account Services

Drilling of Boxes$225
Not compared: Box drilling or key fee
per item
Duplicate Key Fee$15
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$135
per year
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$55
per year
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$35
per year
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$80
per year
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$50
per year
Tax Levy$50

Lending Fees

Late Charge5%($10 minimum)
per month

Other Fees

Statement Copy Fee$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$3.95	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay	$30	per item	None
ACH NSF Fee	$30	per item	None
Nonsufficient funds fee	$30	per item	None
NSF Fee	$30	per item	None
Overdraft Transfer From Shares	$3	Not stated	None
ATM & Card
Non-Network ATM	$1	Not stated	None
Non-proprietary & Foreign ATM Transaction Fee	$1	per item	None
Card Replacement Fee	$6	per item	None
Replacement card fee	$6	per item	None
Foreign transactions	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Fee (Outgoing)	$20	per item	None
Wire Transfer Fee (Incoming)	$10	per item	None
International Wire	$28	Not stated	None
International Wire Transfer	$28	per item	None
Check Services
Cashier's Check Fee	$5	per item	None
ACH Stop Payment Fee	$30	per item	None
Stop Payment Fee	$30	per item	None
Foreign Check Collection Fee	$25	per item	None
Share Draft Copy	$5	per item	None
Digital & Electronic
Bill Pay Service	No charge	Not stated	None
Expedited electronic payment	$5Not compared: Per-transaction charge, not monthly	per transaction	None
Overnight check payment	$20Not compared: Per-transaction charge, not monthly	per transaction	None
Cash & Deposit
Returned Deposit Presentment Fee	$15	per item	None
Account Services
Drilling of Boxes	$225Not compared: Box drilling or key fee	per item	None
Duplicate Key Fee	$15Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$135	per year	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$55	per year	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$35	per year	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$80	per year	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$50	per year	None
Tax Levy	$50	Not stated	None
Lending Fees
Late Charge	5%($10 minimum)	per month	None
Other Fees
Statement Copy Fee	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 15, 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 Family Federal Credit Union's foreign transaction changes in our data

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