Heritage Family Federal Credit Union

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

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

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

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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.

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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.

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