28 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 31, 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 Oct 31, 2026
Call-report figures are for Heritage Community 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. | Heritage Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $226K in Q2 2026, 13% below the same quarter a year earlier ($260K).
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
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 California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 15% from Q3 2025 to Q2 2026, to $226K.
$226K
Heritage Community Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Heritage Community Federal Credit Union · $283M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Heritage Community Federal Credit Union(this institution) | Rancho Cordova, CA | $283M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Community Federal Credit Union | Sparta, WI | $288M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advantage Plus Federal Credit Union | Pocatello, ID | $292M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Allegent Community Federal Credit Union | Pittsburgh, PA | $281M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alltrust Federal Credit Union | Fairhaven, MA | $280M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aneca Federal Credit Union | Shreveport, LA | $274M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bronco Federal Credit Union | Franklin, VA | $292M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Heritage Federal Credit Union | Pittsburgh, PA | $289M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cottonwood Community Federal Credit Union | Cottonwood, ID | $286M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Edwards Federal Credit Union | Edwards, CA | $277M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| General Electric Employees Federal Credit Union | Milford, CT | $283M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Hills Federal Credit Union | West Bend, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Har-Co Federal Credit Union | Bel Air, MD | $286M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kalsee Federal Credit Union | Kalamazoo, MI | $292M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lormet Community Federal Credit Union | Amherst, OH | $283M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Family Federal Credit Union | Lewiston, ME | $288M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Minnequa Works Federal Credit Union | Pueblo, CO | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Norstate Federal Credit Union | Madawaska, ME | $280M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwestern Mutual Federal Credit Union | Milwaukee, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Penn East Federal Credit Union | Scranton, PA | $280M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn State Federal Credit Union | Bellefonte, PA | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Puget Sound Cooperative Federal Credit Union | Bellevue, WA | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Top Tier Federal Credit Union | Clarion, PA | $278M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| U S Postal Service Federal Credit Union | Clinton, MD | $280M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unity One Federal Credit Union | Fort Worth, TX | $276M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Western Vista Federal Credit Union | Cheyenne, WY | $281M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.75 among 10 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Heritage Community 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Heritage Community 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 | $226K | −$3K | −1.3% |
| Q1 2026 | $229K | −$71K | −23.7% |
| Q4 2025 | $300K | +$33K | +12.4% |
| Q3 2025 | $267K | +$7K | +2.7% |
| Q2 2025 | $260K | +$3K | +1.2% |
| Q1 2025 | $257K | −$24K | −8.5% |
| Q4 2024 | $281K | +$8K | +2.9% |
| Q3 2024 | $273K | +$22K | +8.8% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Heritage Community Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Membership (within 6 months) | $25 | Not stated | None |
| Dormant Membership (monthly fee) | $5 | per month | None |
| Escheatment Notice | $2 | Not stated | None |
| Account Research (per hour, minimum 1 hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement if generated & mailed | $5 | Not stated | None |
| Address Locator / Bad Address (monthly fee) | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft Fee or Non | $14 | per item | None |
| Overdraft Privilege (per item) | $14 | per item | None |
| Non-Sufficient Funds/NSF (per item) | $14 | per item | None |
| Overdraft Transfer from Deposit Accounts | $6 | Not stated | None |
| Overdraft Transfer from Line of Credit | $10 | Not stated | None |
| Overdraft Privilege Daily Cap (audience not stated, treated as personal) | $140 | per day | None |
ATM & Card | |||
| Non HCCU/CO-OP ATM Network Fee | $3 | Not stated | None |
| Replacement Card | $10 | Not stated | None |
| Express Replacement Card | $45 | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Outgoing | $30 | Not stated | None |
| Wire Transfer - Incoming | $10 | Not stated | None |
| Wire Transfer International - Outgoing | $45 | Not stated | None |
| Wire Transfer International - Incoming | $15 | Not stated | None |
Check Services | |||
| Corporate Check | $8 | Not stated | None |
| Bill Payment Stop Payment | $30 | Not stated | None |
| Stop Payment (per item) | $29 | per item | None |
| Temporary Checks (per sheet of 3) | $5 | per item | None |
| Check Cashing | $10 | Not stated | None |
| Check Copy | $3 | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No charge | Not stated | None |
| Bill Pay Expedited Payment | $10 | Not stated | None |
| Bill Payment Overnight Check Payment | $30 | Not stated | None |
| Zelle | No charge | Not stated | None |
| Mobile Deposit | No charge | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item / Returned Loan Payment | $12 | Not stated | None |
Account Services | |||
| Notary - per signature | $15 | per item | None |
| Tax Lien, Levy, or Garnishment | $100 | Not stated | None |
| Verification of Deposit | $15 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer or Rollover (outgoing) | $25 | Not stated | None |
Other Fees | |||
| Home Loan Demand Payoff | $20 | Not stated | None |
| Loan Payment Online or by Phone | $4.95 | Not stated | None |
| Returned Loan Payment (Indirect) | $15 | 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
Oct 31, 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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