Heritage Community Federal Credit Union

Headquarters: Rancho Cordova, California
Charter: Credit Union
Assets: $283.4M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 31, 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)
Heritage Community Federal Credit Union: $14
Heritage Community Federal Credit Union: $14
U.S. median: no median
NSF / Returned Item
Heritage Community Federal Credit Union: $14
Heritage Community Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
Heritage Community Federal Credit Union: $3
Heritage Community Federal Credit Union: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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.

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).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 Heritage Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Membership (within 6 months)$25
Dormant Membership (monthly fee)$5
per month
Escheatment Notice$2
Account Research (per hour, minimum 1 hour)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement if generated & mailed$5
Address Locator / Bad Address (monthly fee)$5
per month

Overdraft & NSF

Overdraft Fee or Non$14
per item
Overdraft Privilege (per item)$14
per item
Non-Sufficient Funds/NSF (per item)$14
per item
Overdraft Transfer from Deposit Accounts$6
Overdraft Transfer from Line of Credit$10
Overdraft Privilege Daily Cap (audience not stated, treated as personal)$140
per day

ATM & Card

Non HCCU/CO-OP ATM Network Fee$3
Replacement Card$10
Express Replacement Card$45

Wire Transfers

Wire Transfer - Outgoing$30
Wire Transfer - Incoming$10
Wire Transfer International - Outgoing$45
Wire Transfer International - Incoming$15

Check Services

Corporate Check$8
Bill Payment Stop Payment$30
Stop Payment (per item)$29
per item
Temporary Checks (per sheet of 3)$5
per item
Check Cashing$10
Check Copy$3

Digital & Electronic

Bill PayNo charge
Bill Pay Expedited Payment$10
Bill Payment Overnight Check Payment$30
ZelleNo charge
Mobile DepositNo charge

Cash & Deposit

Returned Deposited Item / Returned Loan Payment$12

Account Services

Notary - per signature$15
per item
Tax Lien, Levy, or Garnishment$100
Verification of Deposit$15

Retirement & IRA

IRA Transfer or Rollover (outgoing)$25

Other Fees

Home Loan Demand Payoff$20
Loan Payment Online or by Phone$4.95
Returned Loan Payment (Indirect)$15

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

Correct a fee source

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.

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