Compared with Texas
9 of 20
compared fees are above the median.
9 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
95th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 20 compared; 9 below, 2 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for United Heritage Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Texas median | Published fees above the Texas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | United Heritage Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (95th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $3.8M in Q2 2026, 7.9% above the same quarter a year earlier ($3.5M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 20 compared published fees sit above the Texas median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Texas medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Compared at $25, the middle of its prices
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.
Fee income rose 7.3% from Q3 2025 to Q2 2026, to $3.8M. Its share of revenue, 14%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$3.8M
United Heritage Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
United Heritage Federal Credit Union · $1.7B in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| United Heritage Federal Credit Union(this institution) | Austin, TX | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union 1 | Anchorage, AK | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Credit Union of America | Wichita, KS | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Datcu Federal Credit Union | Denton, TX | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Educational Federal Credit Union | Miami, FL | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fibre Federal Credit Union | Longview, WA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Financial Plus Federal Credit Union | Flint, MI | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firstlight Federal Credit Union | El Paso, TX | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontwave Federal Credit Union | Oceanside, CA | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Nevada Federal Credit Union | Carson City, NV | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greylock Federal Credit Union | Pittsfield, MA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kemba Federal Credit Union | West Chester, OH | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Marion And Polk Schools Federal Credit Union | Salem, OR | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Merck Employees Federal Credit Union | Rahway, NJ | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mid-Hudson Valley Federal Credit Union | Kingston, NY | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Northrop Grumman Federal Credit Union | Gardena, CA | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Publix Employees Federal Credit Union | Lakeland, FL | $1.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Federal Credit Union | San Francisco, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Fire Federal Credit Union | San Francisco, CA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skyla Federal Credit Union | Charlotte, NC | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| St. Mary'S Bank Federal Credit Union | Manchester, NH | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truwest Federal Credit Union | Scottsdale, AZ | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Unitus Community Federal Credit Union | Tigard, OR | $1.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| University Of Kentucky Federal Credit Union | Lexington, KY | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University of Va Community Credit Union | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Verve, A Credit Union | Oshkosh, WI | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.50 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
United Heritage Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for United Heritage Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $3.8M | +$186K | +5.2% |
| Q1 2026 | $3.6M | −$36K | −1.0% |
| Q4 2025 | $3.6M | +$105K | +3.0% |
| Q3 2025 | $3.5M | +$21K | +0.6% |
| Q2 2025 | $3.5M | +$18K | +0.5% |
| Q1 2025 | $3.5M | −$66K | −1.9% |
| Q4 2024 | $3.5M | +$281K | +8.6% |
| Q3 2024 | $3.3M | +$247K | +8.2% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, United Heritage Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to United Heritage Federal Credit Union by share.
Amounts from United Heritage Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour · Research (per hour) | $20
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| VIP Money Market (below $2,500 minimum) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Savings Account Closure (within 90 days of open date) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation (per hour) | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | Research (per hour) | $20 |
| Returned Statement Processing | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay -- (ACH, Check, Debit) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Re-post Overdraft | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) (Check, ACH) | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item (other item) | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item (personal check) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transaction (non-United Heritage or Austin ATM Alliance machine) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Metal VISA® Debit Card(s) (new & reissue) | $35Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Rush Delivery | $100Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Fee (Branch) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire Fee (Online) | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check (member) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check (non-member) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (each) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $5Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Cleared Check Copy (past 18 months of endorsement) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Web BillPay (Less than 1 payment during calendar month) | $6.95Above the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Web BillPay (Minimum of 1 payment during a calendar month) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Branch/Night Drop Deposits: Cash deposited (after first) (audience not stated, treated as personal) | $0.10Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 10" X 10" | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10" X 10" (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" X 10" | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" X 10" (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" X 5" | $27Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" X 5" (audience not stated, treated as personal) | $27Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5" X 10" | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" X 10" (audience not stated, treated as personal) | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" X 5" | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" X 5" (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Lock Replacement/Drilling | $175Not compared: Box drilling or key fee | Not stated | None |
Other Fees | |||
| Statement Copy (per statement) | $4Inside the U.S. middle 50% ($2 to $5 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour · Research (per hour) | $20
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| VIP Money Market (below $2,500 minimum) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Business Savings Account Closure (within 90 days of open date) | $20 | Not stated | None |
| Savings Account Closure (within 90 days of open date) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation (per hour) | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | Research (per hour) | $20 |
| Paper Statements | $5 | Not stated | None |
| Returned Statement Processing | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay -- (ACH, Check, Debit) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Re-post Overdraft | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) (Check, ACH) | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item (other item) | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item (personal check) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transaction (non-United Heritage or Austin ATM Alliance machine) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Metal VISA® Debit Card(s) (new & reissue) | $35Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Rush Delivery | $100Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Fee (Branch) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire Fee (Online) | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check (member) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check (non-member) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (each) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $5Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Cleared Check Copy (past 18 months of endorsement) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $3 | Not stated | None |
| Web BillPay (Less than 1 payment during calendar month) | $6.95Above the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Web BillPay (Minimum of 1 payment during a calendar month) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 10" X 10" | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" X 10" | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" X 5" | $27Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" X 10" | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" X 5" | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Lock Replacement/Drilling | $175Not compared: Box drilling or key fee | Not stated | None |
Other Fees | |||
| Statement Copy (per statement) | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 4, 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.
Where United Heritage Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
12 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Austin, TX | 6 |
| Tyler, TX | 2 |
| Cedar Park, TX | 1 |
| Georgetown, TX | 1 |
| Kyle, TX | 1 |
| Round Rock, TX | 1 |
Largest competitors nearby
Local market: Travis, Williamson and Hays counties, TX, around its headquarters.
| 85 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 18.9% |
| Wells Fargo Bank, National Association | 15.1% |
| Texas Capital Bank | 14.4% |
| Bank of America, National Association | 10.7% |
| PNC Bank, National Association | 3.3% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.