vs. U.S. typical range:LowerTypicalHigher
$82.50 above the national median$85 above the Texas median
At the national medianAt the Texas median
per month · Source
$7.50 above the national median$9.50 above the Texas median
$7.50 above the national median$9.50 above the Texas median
At the national medianAt the Texas median
per item · Source
$10 above the national median$12.50 above the Texas median
per item · Source
$5 below the national medianAt the Texas median
per transaction · Source
$10 below the national median$10 below the Texas median
per transaction · Source
$2 below the national median$2 below the Texas median
per item · Source
$2.50 below the national median$4.50 below the Texas median
per item · Source
$2.50 below the national median$4.50 below the Texas median
per item · Source
$10 above the national median$10 above the Texas median
At the national medianAt the Texas median
per item · Source
$2 below the national median$2 below the Texas median
per item · Source
$5 above the national medianAt the Texas median
per item · Source
$8 below the national median$5 below the Texas median
per item · Source
$3.50 above the national median$3 above the Texas median
per item · Source
$1.50 below the national median$1.50 below the Texas median
per item · Source
$1 below the national median$1 below the Texas median
per month · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| IRA Close Fee | $100Above the typical range ($10–$25 nationally) | $82.50 above the national median$85 above the Texas median | — | — | Source |
| Dormant Account Fee (after 12 months inactive) | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Texas median | per month | — | Source |
| Account Reconciliation Fee | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$9.50 above the Texas median | — | — | Source |
| Account Research Fee | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$9.50 above the Texas median | — | — | Source |
Overdraft & NSFVerified | |||||
| Debit Card Overdraft Fee (opt in required) | $30Within the typical range ($25–$33 nationally) | At the national medianAt the Texas median | per item | — | Source |
ATM & CardVerified | |||||
| Debit Card Instant Issue Replacement Fee | $20Above the typical range ($5–$10 nationally) | $10 above the national median$12.50 above the Texas median | per item | — | Source |
Wire TransfersVerified | |||||
| Wire Transfer Fee (outgoing) | $20Within the typical range ($20–$25 nationally) | $5 below the national medianAt the Texas median | per transaction | — | Source |
| International Wire Transfer Fee (outgoing) | $40 | ||||
Check ServicesVerified | |||||
| Teller Check Fee | $3Within the typical range ($3–$6 nationally) | $2 below the national median$2 below the Texas median | per item | — | Source |
| ACH Stop Payment | $25 | ||||
Digital & ElectronicVerified | |||||
| ACH Courtesy Pay/NSF/Return | $30Within the typical range ($15–$30 nationally) | $5 above the national medianAt the Texas median | per item | — | Source |
Cash & DepositVerified | |||||
| Deposited Item Returned | $7Below the typical range ($8–$25 nationally) | $8 below the national median$5 below the Texas median | per item | — | Source |
Account ServicesVerified | |||||
| Notary Services (non-members only) | $6Above the typical range ($0–$5 nationally) | $3.50 above the national median$3 above the Texas median | per item | — | Source |
Gift & Prepaid CardsVerified | |||||
| Gift Card | $2Below the typical range ($3–$4.95 nationally) | $1.50 below the national median$1.50 below the Texas median | per item | — | Source |
Other FeesVerified | |||||
| Statement Copy Fee | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the Texas median | per month | — | Source |
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$30
Headline fees published
7 of 15
Published fees
19
Under review
0
Assets
$260.9M
Work at Southwest Heritage Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
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
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $10 below the national median$10 below the Texas median |
| per transaction |
| — |
| Source |
| $2.50 below the national median$4.50 below the Texas median |
| per item |
| — |
| Source |
| Check Stop Payment | $25Within the typical range ($20–$30 nationally) | $2.50 below the national median$4.50 below the Texas median | per item | — | Source |
| Temporary Checks | $12Above the typical range ($1–$4 nationally) | $10 above the national median$10 above the Texas median | — | — | Source |
| Check Cashing Fee (member with no checking account) | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Texas median | per item | — | Source |
| Check Copy Fee | $1Below the typical range ($2–$5 nationally) | $2 below the national median$2 below the Texas median | per item | — | Source |