Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Utah Heritage Federal Credit Union

Moroni, UtahCredit UnionSan Francisco Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account must stay open for at least one year (there will be a$50Above the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2297. canonical_hint=early_closure; text_hash=4865d87e08649b7c09fcb72f441fba87598f353cdeae131964ea4c548c2a8243; excerpt="Account must stay open for at least one year (there will be a $50 fee if the account is closed within the first year)." · Source

Your Regular Share Account is your primary credit union account. It must remain open with a minimum balance of$25

$19 above the national median

Knox deterministic extraction from Rosetta artifact #2297. canonical_hint=minimum_balance; text_hash=4865d87e08649b7c09fcb72f441fba87598f353cdeae131964ea4c548c2a8243; excerpt="Your Regular Share Account is your primary credit union account. It must remain open with a minimum balance of $25 in order for you to remain a member of the credit union. This is " · Source

Overdraft & NSFVerified

Overdraft fee$25Within the typical range ($20–$30 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #2297. canonical_hint=overdraft; text_hash=4865d87e08649b7c09fcb72f441fba87598f353cdeae131964ea4c548c2a8243; excerpt="Overdraft fee-$25" · Source

Wire TransfersVerified

Outgoing wire$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2297. canonical_hint=wire_domestic_outgoing; text_hash=4865d87e08649b7c09fcb72f441fba87598f353cdeae131964ea4c548c2a8243; excerpt="Outgoing wire-$20" · Source

Check ServicesVerified

Counter Checks (Temporary)$2Within the typical range ($1–$4 nationally)
At the national median
per item · $2 per sheet of 4 (1 sheet / 4 checks free at account opening) Maximum 12 checks per year. · Source
Stop Payment on member checks$15Below the typical range ($20–$30 nationally)
$12 below the national median
Knox deterministic extraction from Rosetta artifact #2297. canonical_hint=stop_payment; text_hash=4865d87e08649b7c09fcb72f441fba87598f353cdeae131964ea4c548c2a8243; excerpt="Stop Payment on member checks-$15" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account must stay open for at least one year (there will be a	$50Above the typical range ($10–$25 nationally)	$35 above the national median	—	Knox deterministic extraction from Rosetta artifact #2297. canonical_hint=early_closure; text_hash=4865d87e08649b7c09fcb72f441fba87598f353cdeae131964ea4c548c2a8243; excerpt="Account must stay open for at least one year (there will be a $50 fee if the account is closed within the first year)."	Source
Your Regular Share Account is your primary credit union account. It must remain open with a minimum balance of	$25Above the typical range ($5–$12.25 nationally)	$19 above the national median	—	Knox deterministic extraction from Rosetta artifact #2297. canonical_hint=minimum_balance; text_hash=4865d87e08649b7c09fcb72f441fba87598f353cdeae131964ea4c548c2a8243; excerpt="Your Regular Share Account is your primary credit union account. It must remain open with a minimum balance of $25 in order for you to remain a member of the credit union. This is "	Source
Overdraft & NSFVerified
Overdraft fee	$25Within the typical range ($20–$30 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #2297. canonical_hint=overdraft; text_hash=4865d87e08649b7c09fcb72f441fba87598f353cdeae131964ea4c548c2a8243; excerpt="Overdraft fee-$25"	Source
Wire TransfersVerified
Outgoing wire	$20Within the typical range ($20–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2297. canonical_hint=wire_domestic_outgoing; text_hash=4865d87e08649b7c09fcb72f441fba87598f353cdeae131964ea4c548c2a8243; excerpt="Outgoing wire-$20"	Source
Check ServicesVerified
Counter Checks (Temporary)	$2Within the typical range ($1–$4 nationally)	At the national median	per item	$2 per sheet of 4 (1 sheet / 4 checks free at account opening) Maximum 12 checks per year.	Source
Stop Payment on member checks	$15

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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

$25

Overdraft fee: $25

11% below the national median overdraft fee

Total fees: 6 — leaner than most institutions

Verified fees

Under review

Assets

$166.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$166.7M

Total deposits

$144.0M

Service charge income (year to date)

$583K

Fee income ratio

10.9%

Return on assets

1.64%

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 20,792 verified fees from 2,117 institutions

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