Compared with Alabama
6 of 18
compared fees are above the median.
10 below, 2 about the same.
About the same: within 1% of the median.
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
98th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Alabama median
of 18 compared; 10 below, 2 about the same
See the feesFee schedule read Oct 27, 2026
Call-report figures are for Heritage South 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) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Heritage South Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 27, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 24% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (98th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $886K in Q2 2026, 4.6% above the same quarter a year earlier ($847K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 18 compared published fees sit above the Alabama median; 10 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Alabama medians for fees published by banks and credit unions.
Monthly Maintenance
Second Chance Checking
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 7.0% from Q3 2025 to Q2 2026, to $886K. Its share of revenue, 24%, is above the 7.2% median for credit unions with under $300M in assets.
$886K
Heritage South Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Heritage South Federal Credit Union · $184M 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 |
|---|---|---|---|---|---|---|---|
| Heritage South Federal Credit Union(this institution) | Sylacauga, AL | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alden Federal Credit Union | Chicopee, MA | $185M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Appalachian Community Federal Credit Union | Kingsport, TN | $183M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Century Federal Credit Union | Saint Louis, MO | $182M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chemcel Federal Credit Union | Bishop, TX | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Choice Financial Federal Credit Union | Gloversville, NY | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Nebraska Federal Credit Union | Omaha, NE | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Greenville Heritage Federal Credit Union | Greenville, SC | $181M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Horizon Utah Federal Credit Union | Farmington, UT | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Infirst Federal Credit Union | Alexandria, VA | $186M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Johnsonville Tva Employees Federal Credit Union | Camden, TN | $181M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Journey Federal Credit Union | Saint Johns, MI | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lincone Federal Credit Union | Lincoln, NE | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Magnolia Federal Credit Union | Jackson, MS | $186M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members' Advantage Federal Credit Union | Wisconsin Rapids, WI | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Miami Postal Service Federal Credit Union | Miami, FL | $184M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mid Carolina Federal Credit Union | Lugoff, SC | $182M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Priority First Federal Credit Union | Du Bois, PA | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Regional Federal Credit Union | Winfield, IN | $180M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rio Grande Valley Credit Union | Harlingen, TX | $180M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Safe Harbor Federal Credit Union | Ludington, MI | $184M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Metro Federal Credit Union | Prior Lake, MN | $185M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Louisiana Federal Credit Union | Lake Charles, LA | $183M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ufcw Community Federal Credit Union | Wyoming, PA | $181M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Western Sun Federal Credit Union | Broken Arrow, OK | $181M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Xcel Federal Credit Union | Bloomfield, NJ | $186M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $5.25 among 12 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 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Heritage South 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 | $886K | +$91K | +11.4% |
| Q1 2026 | $795K | −$23K | −2.8% |
| Q4 2025 | $818K | −$10K | −1.2% |
| Q3 2025 | $828K | −$19K | −2.2% |
| Q2 2025 | $847K | +$83K | +10.9% |
| Q1 2025 | $764K | −$37K | −4.6% |
| Q4 2024 | $801K | +$25K | +3.2% |
| Q3 2024 | $776K | −$31K | −3.8% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Heritage South Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Heritage South Federal Credit Union by share.
Amounts from Heritage South Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour · Research and Balancing $15.00 per hour
per item
per item
per year
per year
per year
per year
per item
per statement · Copy of Statement $5.00 per statement
per page · Copy/Fax Fee $1.00 per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Second Chance Checking Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure Fee (closed within 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormancy Fee (defined as no activity for 24 months with balances <$1,000) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity Fee (defined as no activity for 6 months on any single share) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research and Balancing | $15Not compared: Charged per hour; comparison unavailable | per hour | Research and Balancing $15.00 per hour |
| Return Mail Fee | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee - may be imposed in connection with checks, in person withdrawals, ATM withdrawals, or by other electronic | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Check Fee | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiry Fee | $0.85Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM inquiries | $0.85Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit/Credit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Money Order Service Charge | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Request | $28Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing Fee | 5% | Not stated | None |
| Check Cashing Fee (audience not stated, treated as personal) | 5% | Not stated | None |
| Copy of Check Request | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Inactivity Fee (inactive for 3 months) | $7Above the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Online/ Mobile Banking, Phone Teller, Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item | $3Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Fee replacement for safe deposit box key: Actual Cost / approx | $20Not compared: Box drilling or key fee | Not stated | None |
| Fee to drill safe deposit box: Actual Cost / approx | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Subpoena/Levy/Garnishment | $35Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Loan Late Charge | $5Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| VISA Late Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Reloadable Debit Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Gift Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Not compared: Charged per statement; comparison unavailable | per statement | Copy of Statement $5.00 per statement |
| Copy/Fax Fee | $1Not compared: Charged per page; comparison unavailable | per page | Copy/Fax Fee $1.00 per page |
| Mortgage Loan Application Fee | $350Above the U.S. middle 50% ($20 to $37.50 nationally) | 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 27, 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.
Where Heritage South Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state (June 30, 2026)
Each dot is one office.
6 of 7 offices on the map. 2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Sylacauga, AL | 2 |
| Alexander City, AL | 1 |
| Childersburg, AL | 1 |
| Eclectic, AL | 1 |
| Goodwater, AL | 1 |
| Moody, AL | 1 |
Largest competitors nearby
Local market: Talladega county, AL, around its headquarters.
| 9 in its local market | Deposit share |
|---|---|
| First Bank of Alabama | 56.5% |
| Regions Bank | 13.1% |
| The Huntington National Bank | 8.6% |
| Renasant Bank | 6.3% |
| FirstBank | 5.8% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.