20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee 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) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. 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 $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.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Compared at $25, the middle of its prices
Non-Network ATM
A blank median means fewer than 5 publish the fee.
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.
$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.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from United Heritage Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour
per hour · Research (per hour) | $20
per year
| 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
per month
per hour
per hour · Research (per hour) | $20
| 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 |
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
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