Southwest Heritage Federal Credit Union

Headquarters: Odessa, Texas
Charter: Credit Union
Assets: $260.9M
Fed district: Dallas

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Southwest Heritage Federal Credit Union: $30
Southwest Heritage Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Southwest Heritage Federal Credit Union: $20
Southwest Heritage Federal Credit Union: $20
U.S. median: no median
Stop Payment
Southwest Heritage Federal Credit Union: $25
Southwest Heritage Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 Southwest Heritage Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Close membership account within 90 days of opening$15
Dormant Account Fee (after 12 months inactive)$5
per month
Account Reconciliation Fee (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Processing Fee$3

Overdraft & NSF

Debit Card Overdraft Fee (opt in required) (audience not stated, treated as personal)$30
per item

ATM & Card

Debit Card Instant Issue Replacement Fee (audience not stated, treated as personal)$20
per item
Debit Card Mailed Replacement Fee$10
per item

Wire Transfers

Wire Transfer Fee (outgoing)$20
per transaction
International Wire Transfer Fee (outgoing)$40
per transaction

Check Services

Teller Check Fee (audience not stated, treated as personal)$3
per item
ACH Stop Payment (audience not stated, treated as personal)$25
per item
Check Stop Payment (audience not stated, treated as personal)$25
per item
Temporary Checks (audience not stated, treated as personal)$12
Check Cashing Fee (member with no checking account) (audience not stated, treated as personal)$5
per item
Check Cashing Fee (non-member) (audience not stated, treated as personal)2%($5 minimum)
Check Copy Fee (audience not stated, treated as personal)$1
per item

Digital & Electronic

ACH Courtesy Pay/NSF/Return (audience not stated, treated as personal)$30
per item

Cash & Deposit

Deposited Item Returned (audience not stated, treated as personal)$7
per item

Account Services

Notary Services (non-members only) (audience not stated, treated as personal)$6
per item

Retirement & IRA

IRA Close Fee, if closed within 180 days of opening (audience not stated, treated as personal)$100

Gift & Prepaid Cards

Gift Card (audience not stated, treated as personal)$2
per item

Other Fees

Statement Copy Fee (audience not stated, treated as personal)$2
Not compared: Monthly charge, not per item
per month
Loan payment with debit card$7.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Close membership account within 90 days of opening	$15	Not stated	None
Dormant Account Fee (after 12 months inactive)	$5	per month	None
Account Reconciliation Fee (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Processing Fee	$3	Not stated	None
Overdraft & NSF
Debit Card Overdraft Fee (opt in required) (audience not stated, treated as personal)	$30	per item	None
ATM & Card
Debit Card Instant Issue Replacement Fee (audience not stated, treated as personal)	$20	per item	None
Debit Card Mailed Replacement Fee	$10	per item	None
Wire Transfers
Wire Transfer Fee (outgoing)	$20	per transaction	None
International Wire Transfer Fee (outgoing)	$40	per transaction	None
Check Services
Teller Check Fee (audience not stated, treated as personal)	$3	per item	None
ACH Stop Payment (audience not stated, treated as personal)	$25	per item	None
Check Stop Payment (audience not stated, treated as personal)	$25	per item	None
Temporary Checks (audience not stated, treated as personal)	$12	Not stated	None
Check Cashing Fee (member with no checking account) (audience not stated, treated as personal)	$5	per item	None
Check Cashing Fee (non-member) (audience not stated, treated as personal)	2%($5 minimum)	Not stated	None
Check Copy Fee (audience not stated, treated as personal)	$1	per item	None
Digital & Electronic
ACH Courtesy Pay/NSF/Return (audience not stated, treated as personal)	$30	per item	None
Cash & Deposit
Deposited Item Returned (audience not stated, treated as personal)	$7	per item	None
Account Services
Notary Services (non-members only) (audience not stated, treated as personal)	$6	per item	None
Retirement & IRA
IRA Close Fee, if closed within 180 days of opening (audience not stated, treated as personal)	$100	Not stated	None
Gift & Prepaid Cards
Gift Card (audience not stated, treated as personal)	$2	per item	None
Other Fees
Statement Copy Fee (audience not stated, treated as personal)	$2Not compared: Monthly charge, not per item	per month	None
Loan payment with debit card	$7.50	per item	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 12, 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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