United Heritage Federal Credit Union

Headquarters: Austin, Texas
Charter: Credit Union
Assets: $1.7B
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
United Heritage Federal Credit Union: $28
United Heritage Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Compared at $25, the middle of its prices
United Heritage Federal Credit Union: $15 to $28
United Heritage Federal Credit Union: $15 to $28
U.S. median: no median
Non-Network ATM
United Heritage Federal Credit Union: $1
United Heritage Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 United Heritage Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

VIP Money Market (below $2,500 minimum)$10
per month
Savings Account Closure (within 90 days of open date)$10
Account Reconciliation (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour · Research (per hour) | $20
Returned Statement Processing$5

Overdraft & NSF

Courtesy Pay -- (ACH, Check, Debit)$28
Re-post Overdraft$28
Non-Sufficient Funds (NSF) (Check, ACH)$28
Returned Item (other item)$15
Returned Item (personal check)$25
Overdraft Transfer Fee$2

ATM & Card

ATM Transaction (non-United Heritage or Austin ATM Alliance machine)$1
Metal VISA® Debit Card(s) (new & reissue)$35
Debit Card Rush Delivery$100

Wire Transfers

Outgoing Wire Fee (Branch)$20
Outgoing Wire Fee (Online)$10
Incoming Wire FeeNo charge

Check Services

Official Check (member)$5
Official Check (non-member)$10
Money Order (each)$3
per item
Money Orders$3
Stop Payment$5
Check Cashing$10
Cleared Check Copy (past 18 months of endorsement)$3

Digital & Electronic

Web BillPay (Less than 1 payment during calendar month)$6.95
per month
Web BillPay (Minimum of 1 payment during a calendar month)No charge

Cash & Deposit

Branch/Night Drop Deposits: Cash deposited (after first) (audience not stated, treated as personal)$0.10

Account Services

Safe Deposit Box 10" X 10"$100
Safe Deposit Box 10" X 10" (audience not stated, treated as personal)$100
Safe Deposit Box 3" X 10"$45
Safe Deposit Box 3" X 10" (audience not stated, treated as personal)$45
Safe Deposit Box 3" X 5"$27
Safe Deposit Box 3" X 5" (audience not stated, treated as personal)$27
per year
Safe Deposit Box 5" X 10"$70
Safe Deposit Box 5" X 10" (audience not stated, treated as personal)$70
Safe Deposit Box 5" X 5"$40
Safe Deposit Box 5" X 5" (audience not stated, treated as personal)$40
Safe Deposit Box Lock Replacement/Drilling$175
Not compared: Box drilling or key fee

Other Fees

Statement Copy (per statement)$4

Fee	Amount	Basis	Note
Account Maintenance
VIP Money Market (below $2,500 minimum)	$10	per month	None
Savings Account Closure (within 90 days of open date)	$10	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	$5	Not stated	None
Overdraft & NSF
Courtesy Pay -- (ACH, Check, Debit)	$28	Not stated	None
Re-post Overdraft	$28	Not stated	None
Non-Sufficient Funds (NSF) (Check, ACH)	$28	Not stated	None
Returned Item (other item)	$15	Not stated	None
Returned Item (personal check)	$25	Not stated	None
Overdraft Transfer Fee	$2	Not stated	None
ATM & Card
ATM Transaction (non-United Heritage or Austin ATM Alliance machine)	$1	Not stated	None
Metal VISA® Debit Card(s) (new & reissue)	$35	Not stated	None
Debit Card Rush Delivery	$100	Not stated	None
Wire Transfers
Outgoing Wire Fee (Branch)	$20	Not stated	None
Outgoing Wire Fee (Online)	$10	Not stated	None
Incoming Wire Fee	No charge	Not stated	None
Check Services
Official Check (member)	$5	Not stated	None
Official Check (non-member)	$10	Not stated	None
Money Order (each)	$3	per item	None
Money Orders	$3	Not stated	None
Stop Payment	$5	Not stated	None
Check Cashing	$10	Not stated	None
Cleared Check Copy (past 18 months of endorsement)	$3	Not stated	None
Digital & Electronic
Web BillPay (Less than 1 payment during calendar month)	$6.95	per month	None
Web BillPay (Minimum of 1 payment during a calendar month)	No charge	Not stated	None
Cash & Deposit
Branch/Night Drop Deposits: Cash deposited (after first) (audience not stated, treated as personal)	$0.10	Not stated	None
Account Services
Safe Deposit Box 10" X 10"	$100	Not stated	None
Safe Deposit Box 10" X 10" (audience not stated, treated as personal)	$100	Not stated	None
Safe Deposit Box 3" X 10"	$45	Not stated	None
Safe Deposit Box 3" X 10" (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 3" X 5"	$27	Not stated	None
Safe Deposit Box 3" X 5" (audience not stated, treated as personal)	$27	per year	None
Safe Deposit Box 5" X 10"	$70	Not stated	None
Safe Deposit Box 5" X 10" (audience not stated, treated as personal)	$70	Not stated	None
Safe Deposit Box 5" X 5"	$40	Not stated	None
Safe Deposit Box 5" X 5" (audience not stated, treated as personal)	$40	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)	$4	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

Account Maintenance

VIP Money Market (below $2,500 minimum)$10
per month
Business Savings Account Closure (within 90 days of open date)$20
Savings Account Closure (within 90 days of open date)$10
Account Reconciliation (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour · Research (per hour) | $20
Paper Statements$5
Returned Statement Processing$5

Overdraft & NSF

Courtesy Pay -- (ACH, Check, Debit)$28
Re-post Overdraft$28
Non-Sufficient Funds (NSF) (Check, ACH)$28
Returned Item (other item)$15
Returned Item (personal check)$25
Overdraft Transfer Fee$2

ATM & Card

ATM Transaction (non-United Heritage or Austin ATM Alliance machine)$1
Metal VISA® Debit Card(s) (new & reissue)$35
Debit Card Rush Delivery$100

Wire Transfers

Outgoing Wire Fee (Branch)$20
Outgoing Wire Fee (Online)$10
Incoming Wire FeeNo charge

Check Services

Official Check (member)$5
Official Check (non-member)$10
Money Order (each)$3
per item
Money Orders$3
Stop Payment$5
Check Cashing$10
Cleared Check Copy (past 18 months of endorsement)$3

Digital & Electronic

ACH Origination$3
Web BillPay (Less than 1 payment during calendar month)$6.95
per month
Web BillPay (Minimum of 1 payment during a calendar month)No charge

Account Services

Safe Deposit Box 10" X 10"$100
Safe Deposit Box 3" X 10"$45
Safe Deposit Box 3" X 5"$27
Safe Deposit Box 5" X 10"$70
Safe Deposit Box 5" X 5"$40
Safe Deposit Box Lock Replacement/Drilling$175
Not compared: Box drilling or key fee

Other Fees

Statement Copy (per statement)$4

Fee	Amount	Basis	Note
Account Maintenance
VIP Money Market (below $2,500 minimum)	$10	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)	$10	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	$5	Not stated	None
Overdraft & NSF
Courtesy Pay -- (ACH, Check, Debit)	$28	Not stated	None
Re-post Overdraft	$28	Not stated	None
Non-Sufficient Funds (NSF) (Check, ACH)	$28	Not stated	None
Returned Item (other item)	$15	Not stated	None
Returned Item (personal check)	$25	Not stated	None
Overdraft Transfer Fee	$2	Not stated	None
ATM & Card
ATM Transaction (non-United Heritage or Austin ATM Alliance machine)	$1	Not stated	None
Metal VISA® Debit Card(s) (new & reissue)	$35	Not stated	None
Debit Card Rush Delivery	$100	Not stated	None
Wire Transfers
Outgoing Wire Fee (Branch)	$20	Not stated	None
Outgoing Wire Fee (Online)	$10	Not stated	None
Incoming Wire Fee	No charge	Not stated	None
Check Services
Official Check (member)	$5	Not stated	None
Official Check (non-member)	$10	Not stated	None
Money Order (each)	$3	per item	None
Money Orders	$3	Not stated	None
Stop Payment	$5	Not stated	None
Check Cashing	$10	Not stated	None
Cleared Check Copy (past 18 months of endorsement)	$3	Not stated	None
Digital & Electronic
ACH Origination	$3	Not stated	None
Web BillPay (Less than 1 payment during calendar month)	$6.95	per month	None
Web BillPay (Minimum of 1 payment during a calendar month)	No charge	Not stated	None
Account Services
Safe Deposit Box 10" X 10"	$100	Not stated	None
Safe Deposit Box 3" X 10"	$45	Not stated	None
Safe Deposit Box 3" X 5"	$27	Not stated	None
Safe Deposit Box 5" X 10"	$70	Not stated	None
Safe Deposit Box 5" X 5"	$40	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)	$4	Not stated	None

Correct a fee source

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.

Fee change alerts

Get an email when United Heritage Federal Credit Union's ach origination changes in our data

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Fees against the market

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

Overdraft (OD)
United Heritage Federal Credit Union: $28
United Heritage Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Compared at $25, the middle of its prices
United Heritage Federal Credit Union: $15 to $28
United Heritage Federal Credit Union: $15 to $28
U.S. median: no median
Non-Network ATM
United Heritage Federal Credit Union: $1
United Heritage Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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.

Published fee schedule

Amounts from United Heritage Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

VIP Money Market (below $2,500 minimum)$10
per month
Savings Account Closure (within 90 days of open date)$10
Account Reconciliation (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour · Research (per hour) | $20
Returned Statement Processing$5

Overdraft & NSF

Courtesy Pay -- (ACH, Check, Debit)$28
Re-post Overdraft$28
Non-Sufficient Funds (NSF) (Check, ACH)$28
Returned Item (other item)$15
Returned Item (personal check)$25
Overdraft Transfer Fee$2

ATM & Card

ATM Transaction (non-United Heritage or Austin ATM Alliance machine)$1
Metal VISA® Debit Card(s) (new & reissue)$35
Debit Card Rush Delivery$100

Wire Transfers

Outgoing Wire Fee (Branch)$20
Outgoing Wire Fee (Online)$10
Incoming Wire FeeNo charge

Check Services

Official Check (member)$5
Official Check (non-member)$10
Money Order (each)$3
per item
Money Orders$3
Stop Payment$5
Check Cashing$10
Cleared Check Copy (past 18 months of endorsement)$3

Digital & Electronic

Web BillPay (Less than 1 payment during calendar month)$6.95
per month
Web BillPay (Minimum of 1 payment during a calendar month)No charge

Cash & Deposit

Branch/Night Drop Deposits: Cash deposited (after first) (audience not stated, treated as personal)$0.10

Account Services

Safe Deposit Box 10" X 10"$100
Safe Deposit Box 10" X 10" (audience not stated, treated as personal)$100
Safe Deposit Box 3" X 10"$45
Safe Deposit Box 3" X 10" (audience not stated, treated as personal)$45
Safe Deposit Box 3" X 5"$27
Safe Deposit Box 3" X 5" (audience not stated, treated as personal)$27
per year
Safe Deposit Box 5" X 10"$70
Safe Deposit Box 5" X 10" (audience not stated, treated as personal)$70
Safe Deposit Box 5" X 5"$40
Safe Deposit Box 5" X 5" (audience not stated, treated as personal)$40
Safe Deposit Box Lock Replacement/Drilling$175
Not compared: Box drilling or key fee

Other Fees

Statement Copy (per statement)$4

Fee	Amount	Basis	Note
Account Maintenance
VIP Money Market (below $2,500 minimum)	$10	per month	None
Savings Account Closure (within 90 days of open date)	$10	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	$5	Not stated	None
Overdraft & NSF
Courtesy Pay -- (ACH, Check, Debit)	$28	Not stated	None
Re-post Overdraft	$28	Not stated	None
Non-Sufficient Funds (NSF) (Check, ACH)	$28	Not stated	None
Returned Item (other item)	$15	Not stated	None
Returned Item (personal check)	$25	Not stated	None
Overdraft Transfer Fee	$2	Not stated	None
ATM & Card
ATM Transaction (non-United Heritage or Austin ATM Alliance machine)	$1	Not stated	None
Metal VISA® Debit Card(s) (new & reissue)	$35	Not stated	None
Debit Card Rush Delivery	$100	Not stated	None
Wire Transfers
Outgoing Wire Fee (Branch)	$20	Not stated	None
Outgoing Wire Fee (Online)	$10	Not stated	None
Incoming Wire Fee	No charge	Not stated	None
Check Services
Official Check (member)	$5	Not stated	None
Official Check (non-member)	$10	Not stated	None
Money Order (each)	$3	per item	None
Money Orders	$3	Not stated	None
Stop Payment	$5	Not stated	None
Check Cashing	$10	Not stated	None
Cleared Check Copy (past 18 months of endorsement)	$3	Not stated	None
Digital & Electronic
Web BillPay (Less than 1 payment during calendar month)	$6.95	per month	None
Web BillPay (Minimum of 1 payment during a calendar month)	No charge	Not stated	None
Cash & Deposit
Branch/Night Drop Deposits: Cash deposited (after first) (audience not stated, treated as personal)	$0.10	Not stated	None
Account Services
Safe Deposit Box 10" X 10"	$100	Not stated	None
Safe Deposit Box 10" X 10" (audience not stated, treated as personal)	$100	Not stated	None
Safe Deposit Box 3" X 10"	$45	Not stated	None
Safe Deposit Box 3" X 10" (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 3" X 5"	$27	Not stated	None
Safe Deposit Box 3" X 5" (audience not stated, treated as personal)	$27	per year	None
Safe Deposit Box 5" X 10"	$70	Not stated	None
Safe Deposit Box 5" X 10" (audience not stated, treated as personal)	$70	Not stated	None
Safe Deposit Box 5" X 5"	$40	Not stated	None
Safe Deposit Box 5" X 5" (audience not stated, treated as personal)	$40	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)	$4	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

Account Maintenance

VIP Money Market (below $2,500 minimum)$10
per month
Business Savings Account Closure (within 90 days of open date)$20
Savings Account Closure (within 90 days of open date)$10
Account Reconciliation (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour · Research (per hour) | $20
Paper Statements$5
Returned Statement Processing$5

Overdraft & NSF

Courtesy Pay -- (ACH, Check, Debit)$28
Re-post Overdraft$28
Non-Sufficient Funds (NSF) (Check, ACH)$28
Returned Item (other item)$15
Returned Item (personal check)$25
Overdraft Transfer Fee$2

ATM & Card

ATM Transaction (non-United Heritage or Austin ATM Alliance machine)$1
Metal VISA® Debit Card(s) (new & reissue)$35
Debit Card Rush Delivery$100

Wire Transfers

Outgoing Wire Fee (Branch)$20
Outgoing Wire Fee (Online)$10
Incoming Wire FeeNo charge

Check Services

Official Check (member)$5
Official Check (non-member)$10
Money Order (each)$3
per item
Money Orders$3
Stop Payment$5
Check Cashing$10
Cleared Check Copy (past 18 months of endorsement)$3

Digital & Electronic

ACH Origination$3
Web BillPay (Less than 1 payment during calendar month)$6.95
per month
Web BillPay (Minimum of 1 payment during a calendar month)No charge

Account Services

Safe Deposit Box 10" X 10"$100
Safe Deposit Box 3" X 10"$45
Safe Deposit Box 3" X 5"$27
Safe Deposit Box 5" X 10"$70
Safe Deposit Box 5" X 5"$40
Safe Deposit Box Lock Replacement/Drilling$175
Not compared: Box drilling or key fee

Other Fees

Statement Copy (per statement)$4

Fee	Amount	Basis	Note
Account Maintenance
VIP Money Market (below $2,500 minimum)	$10	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)	$10	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	$5	Not stated	None
Overdraft & NSF
Courtesy Pay -- (ACH, Check, Debit)	$28	Not stated	None
Re-post Overdraft	$28	Not stated	None
Non-Sufficient Funds (NSF) (Check, ACH)	$28	Not stated	None
Returned Item (other item)	$15	Not stated	None
Returned Item (personal check)	$25	Not stated	None
Overdraft Transfer Fee	$2	Not stated	None
ATM & Card
ATM Transaction (non-United Heritage or Austin ATM Alliance machine)	$1	Not stated	None
Metal VISA® Debit Card(s) (new & reissue)	$35	Not stated	None
Debit Card Rush Delivery	$100	Not stated	None
Wire Transfers
Outgoing Wire Fee (Branch)	$20	Not stated	None
Outgoing Wire Fee (Online)	$10	Not stated	None
Incoming Wire Fee	No charge	Not stated	None
Check Services
Official Check (member)	$5	Not stated	None
Official Check (non-member)	$10	Not stated	None
Money Order (each)	$3	per item	None
Money Orders	$3	Not stated	None
Stop Payment	$5	Not stated	None
Check Cashing	$10	Not stated	None
Cleared Check Copy (past 18 months of endorsement)	$3	Not stated	None
Digital & Electronic
ACH Origination	$3	Not stated	None
Web BillPay (Less than 1 payment during calendar month)	$6.95	per month	None
Web BillPay (Minimum of 1 payment during a calendar month)	No charge	Not stated	None
Account Services
Safe Deposit Box 10" X 10"	$100	Not stated	None
Safe Deposit Box 3" X 10"	$45	Not stated	None
Safe Deposit Box 3" X 5"	$27	Not stated	None
Safe Deposit Box 5" X 10"	$70	Not stated	None
Safe Deposit Box 5" X 5"	$40	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)	$4	Not stated	None

Correct a fee source

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.