Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Southwest Heritage Federal Credit Union

Odessa, TexasCredit UnionDallas Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation Fee$25Within the typical range ($20–$25 nationally)

Check ServicesVerified

Check Cashing Fee (member with no checking account)$5Within the typical range ($5–$10 nationally)
At the national median
per item · Source
Check Copy Fee$1Below the typical range ($2–$5 nationally)
$2 below the national median
per item · Source
Check Stop Payment$25Within the typical range ($20–$30 nationally)
$1 below the national median
per item · Source
Teller Check Fee$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
per item · Source
Temporary Checks$12Above the typical range ($1–$4 nationally)
$10 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation Fee	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Dormant Account Fee (after 12 months inactive)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Debit Card Overdraft Fee (opt in required)	$30Within the typical range ($25–$32 nationally)	At the national median	per item	—	Source
ATM & CardVerified
Debit Card Instant Issue Replacement Fee	$20Above the typical range ($5–$10 nationally)	$10 above the national median	per item	—	Source
Wire TransfersVerified
Wire Transfer Fee (outgoing)	$20Within the typical range ($20–$25 nationally)	$5 below the national median	per transaction	—	Source
Check ServicesVerified
Check Cashing Fee (member with no checking account)	$5Within the typical range ($5–$10 nationally)	At the national median	per item	—	Source
Check Copy Fee	$1
Digital & ElectronicVerified
ACH Courtesy Pay/NSF/Return	$30Within the typical range ($16.88–$30 nationally)	$4 above the national median	per item	—	Source
Cash & DepositVerified
Deposited Item Returned	$7Below the typical range ($10–$25 nationally)	$8 below the national median	per item	—	Source
Account ServicesVerified
Notary Services (non-members only)	$6Above the typical range ($0–$5 nationally)	$3.50 above the national median	—	—	Source
Gift & Prepaid CardsVerified
Gift Card	$2Below the typical range ($3–$4.45 nationally)	$1.50 below the national median	—	—	Source
Other FeesVerified
Statement Copy Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per month	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 15 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$260.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$260.9M

Total deposits

$225.0M

Service charge income (year to date)

$1.1M

Fee income ratio

13.4%

Return on assets

1.20%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 34,850 published fee entries from 2,498 institutions

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