Full transparency of fees and charges.

Because Heritage Grove is a not-for-profit financial cooperative, we work hard to keep our costs for services affordable for our members. In addition, we offer a wide variety of free services, including:

Account Fees

Credit Union Account and Service Fees
Auto Transfer for Overdraft Protection $3.00 per transfer
Loan Payment by Non-Heritage Grove Credit/Debit Card $10.00
Account Research/Reconciliation Fee $25.00 per hour
Return Deposit Item (own check) $29.00
Return Deposit Item (not own check) $10.00
Outgoing Domestic Wire Transfer $20.00
Outgoing International Wire Transfer $40.00
Money Order $2.00
Credit Union Check $3.00
Stop Payment (Check or ACH) $29.00
Item Sent for Collection $25.00
ATM/Debit Replacement Card $5.00
ATM/Debit Card PIN Replacement $2.00
Bad Address Fee $2.00 per month
Non-Member Check Cashing Fee $5.00 per item
Share Account Minimum Balance Fee (if balance drops below $100, member is 19 years or older, and has no other active services such as checking, loan, money market, or certificate of deposit). $5.00 per month
Statement Printing $2.00 per statement
Checking Account Fees
Non-Sufficient Funds/Overdraft (per item) $29.00
Overdraft Privilege Fee $29.00
Overdraft Privilege Collection Fee $15.00
Uncollected Funds Fee $29.00
Monthly Account Fee for Dividend Share Draft (if average daily balance falls below minimum required) $5.00
Monthly Account Fee for Fresh Start Checking $10.00
Temporary Check Printing $2.00 per page
Loan Fees
Late Fee for Consumer Loans 5% of payment, $25.00 minimum
Loan Modification Fee $65.00
Skip Payment Fee $35.00
VISA® Late Payment Fee $25.00
VISA® Cash Advance Fee Varies
VISA® Foreign Currency Conversion Fee 1% of purchase amount
Late Fee for Home Equity Loans 5% of payment, $25.00 minimum

If you're not a member and you'd like to enjoy the Heritage Grove difference, we'd be happy to get you enrolled today. You can also enroll online.

Customer Identification Program Notice

Fee Schedule