Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Heritage South Federal Credit Union

Sylacauga, AlabamaCredit UnionAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closure Fee (closed within 90 days)$25Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=early_closure; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Account Closure Fee (closed within 90 days) | $25.00 per account" · Source

Second Chance Checking Monthly Service Charge$10

$3.87 above the national median

per month · Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=monthly_maintenance; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Second Chance Checking Monthly Service Charge | $10.00" · Source

Overdraft & NSFVerified

Overdraft Fee - may be imposed in connection with checks, in person withdrawals, ATM withdrawals, or by other electronic$28Within the typical range ($20–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=overdraft; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Overdraft Fee - may be imposed in connection with checks, in person withdrawals, ATM withdrawals, or by other electronic means. | $28.00" · Source

ATM & CardVerified

ATM withdrawals with a foreign card$3Within the typical range ($1–$3 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=atm_non_network; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="ATM withdrawals with a foreign card | $3.00" · Source

Check ServicesVerified

Copy of Check Request$1.50Below the typical range ($2–$5 nationally)
$1.50 below the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=check_image; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Copy of Check Request | $1.50 each" · Source
Money Order Service Charge$5Above the typical range ($2–$3.50 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=money_order; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Money Order Service Charge | $5.00 each" · Source
Stop Payment Request$28Within the typical range ($20–$30 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=stop_payment; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Stop Payment Request | $28.00" · Source

Digital & ElectronicVerified

Bill Pay Inactivity Fee (inactive for 3 months)$7Within the typical range ($0–$12.50 nationally)
$2 above the national median
per month · Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=bill_pay; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Bill Pay Inactivity Fee (inactive for 3 months) | $7.00 per month" · Source
Online/ Mobile Banking, Phone Teller, Online Bill Pay$0Within the typical range ($0–$12.50 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #2724. canonical_hint=bill_pay; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Online/ Mobile Banking, Phone Teller, Online Bill Pay | FREE" · Source

Account ServicesVerified

Fee replacement for safe deposit box key | Actual Cost / approx.$20Below the typical range ($25–$80 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=safe_deposit_box; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Fee replacement for safe deposit box key | Actual Cost / approx. $20" · Source
Fee to drill safe deposit box | Actual Cost / approx.$175Above the typical range ($25–$80 nationally)
$135 above the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=safe_deposit_box; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Fee to drill safe deposit box | Actual Cost / approx. $175" · Source
Subpoena/Levy/Garnishment$35Within the typical range ($25–$75 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=garnishment_levy; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Subpoena/Levy/Garnishment | $35.00 each" · Source

Lending FeesVerified

Loan Late Charge (min.=$5Below the typical range ($15–$26.50 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=late_payment; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Loan Late Charge (min.=$5,max.=$100) | 5% of payment" · Source
VISA Late Fee$25Within the typical range ($15–$26.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=late_payment; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="VISA Late Fee | $25.00" · Source

Gift & Prepaid CardsVerified

Reloadable Debit Card$5Within the typical range ($3.50–$7 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=prepaid_card_reload; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Reloadable Debit Card | $5.00" · Source
VISA Gift Card$5Above the typical range ($3–$4.95 nationally)
$1.37 above the national median
Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=gift_card_purchase; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="VISA Gift Card | $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closure Fee (closed within 90 days)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=early_closure; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Account Closure Fee (closed within 90 days) \| $25.00 per account"	Source
Second Chance Checking Monthly Service Charge	$10Within the typical range ($4–$12.63 nationally)	$3.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=monthly_maintenance; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Second Chance Checking Monthly Service Charge \| $10.00"	Source
Overdraft & NSFVerified
Overdraft Fee - may be imposed in connection with checks, in person withdrawals, ATM withdrawals, or by other electronic	$28Within the typical range ($20–$30 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=overdraft; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Overdraft Fee - may be imposed in connection with checks, in person withdrawals, ATM withdrawals, or by other electronic means. \| $28.00"	Source
ATM & CardVerified
ATM withdrawals with a foreign card	$3Within the typical range ($1–$3 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=atm_non_network; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="ATM withdrawals with a foreign card \| $3.00"	Source
Check ServicesVerified
Copy of Check Request	$1.50Below the typical range ($2–$5 nationally)	$1.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=check_image; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Copy of Check Request \| $1.50 each"	Source
Money Order Service Charge	$5
Digital & ElectronicVerified
Bill Pay Inactivity Fee (inactive for 3 months)	$7Within the typical range ($0–$12.50 nationally)	$2 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=bill_pay; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Bill Pay Inactivity Fee (inactive for 3 months) \| $7.00 per month"	Source
Online/ Mobile Banking, Phone Teller, Online Bill Pay
Account ServicesVerified
Fee replacement for safe deposit box key \| Actual Cost / approx.	$20Below the typical range ($25–$80 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=safe_deposit_box; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Fee replacement for safe deposit box key \| Actual Cost / approx. $20"	Source

Lending FeesVerified
Loan Late Charge (min.=	$5Below the typical range ($15–$26.50 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=late_payment; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Loan Late Charge (min.=$5,max.=$100) \| 5% of payment"	Source
VISA Late Fee
Gift & Prepaid CardsVerified
Reloadable Debit Card	$5Within the typical range ($3.50–$7 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2724. canonical_hint=prepaid_card_reload; text_hash=2c78c71cf46bded01276c5fe7e6e80538b3cf4c55f93dd67b0e356391c5d2060; excerpt="Reloadable Debit Card \| $5.00"	Source
VISA Gift Card

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$28

Overdraft fee: $28

Overdraft fee is aligned with the national median

Total fees: 16 — leaner than most institutions

Verified fees

Under review

Assets

$183.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$183.7M

Total deposits

$165.8M

Service charge income (year to date)

$1.7M

Fee income ratio

24.3%

Return on assets

0.68%

Financial profile · Pro

Performance from regulator filings

Fee to drill safe deposit box | Actual Cost / approx.

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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