Banking and fees in Harvard

Name: Harvard, IL Bank Fees Compared
Creator: Fee Insight

City of Harvard Metro area

6 banks and credit unions have branches in Harvard. The Bank Fee Index holds published fees for 4 of them.

The count includes institutions based elsewhere that have a branch here.

Four published stop payment fees: $0–$35.

Medians for reference: Illinois $30 · U.S. $27.50

Local median not shown; five institutions required.

Compare published fees

Pick a fee to compare Harvard with Illinois and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.

Fee

Three published overdraft fees: $27–$35.

Medians for reference: Illinois $30 · U.S. $30

The institutions behind the comparison

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6 institutions, 3 with a published overdraft fee.

The Harvard State Bank
Bank · based in Harvard, IL · 2 branches here
2No fee schedule found yet
First National Bank of Omaha
Bank · based in Omaha, NE · 2 branches here
2Fee not identified in the reviewed schedule.
First Secure State Bank
Bank · based in Wonder Lake, IL · 2 branches here
2$35
Account not yet known
The schedule's own words
“PLEASE NOTE: ¹Insufficient funds/overdraft/NSF charges may apply ($35) when there are insufficient or unavailable funds and the account becomes overdrawn”
Read on Oct 7, 2026
Harvard Community Federal Credit Union
Credit union, membership rules apply · based in Harvard, IL · 2 branches here
2Fee schedule found; amounts not yet added.
Sauk Valley Bank & Trust Company
Bank · based in Sterling, IL · 1 branch here
1$27
Account not yet known
The schedule's own words
“Overdraft Per Item Fee – $27.00”
Read on Oct 10, 2026
Woodforest National Bank
Bank · based in The Woodlands, TX · 1 branch here
1$32
Account not yet known
The schedule's own words
“One (1) $32 overdraft (OD) item fee is charged for each item that is paid.”
Read on Oct 14, 2026

Where they have branches

8 bank branches mapped 2 credit union branches mappedSelect a branch to see its institution.

Harvard's banking market

Banks with branches here: 5
Credit unions with branches here: 1
Bank branch locations: 8
Credit union branch locations: 2

Largest banks by local bank deposits

Share of the $380 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.

County context: McHenry County

Community context

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Deposits and branches cover the City of Harvard. Population and income cover McHenry County, the county with most of Harvard's bank branches, not the city alone. This is background. None of it sets or explains a fee.

Bank deposits
Change at branches here, 2021 to 2026
Harvard+18%
Illinois+11%
U.S.+11%
Bank branches
Change in branch count, 2016 to 2026
Harvard+14%
Illinois-20%
U.S.-17%
Population
Change between the 2022 and 2024 Census estimates
McHenry County+0.5%
Illinois-0.5%
U.S.+1.2%
Median household income
Census estimate, 2024
McHenry County$105k
Illinois$83k

Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for McHenry County.

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