Hometown Federal Credit Union

Headquarters: Peru, Indiana
Charter: Credit Union
Assets: $37.2M
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Hometown Federal Credit Union: $30
Hometown Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Hometown Federal Credit Union: $30
Hometown Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Hometown Federal Credit Union: $10
Hometown Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago 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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Hometown Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance Fee ($25.00 minimum)$5
Early Account closing (within 90 days of opening)$5
Dormant Accounts – no activity for prior 12 months$1
per month
Reconciling Check Book (Per hour – 1 hour minimum)$10
Not compared: Charged per hour; comparison unavailable
per hour
Home Banking members paper statements fee$2

Overdraft & NSF

Overdraft$30
Non-Sufficient Funds (NSF Item)$30
Returned Check Fee$30
Overdraft Transfer Protection Fee$4

ATM & Card

Lost/Stolen Card Fee$10
Replacement Card Fee$5

Wire Transfers

Wire Transfers (Outgoing)$10
Wire Transfers (Incoming)$10

Check Services

Cashier Check$2
Money Order$1
Stop Payment$15
Draft Copy Request$2

Cash & Deposit

Returned Deposit Item$30

Lending Fees

Late Fee$20

Retirement & IRA

IRA Early Withdrawal Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee ($25.00 minimum)	$5	Not stated	None
Early Account closing (within 90 days of opening)	$5	Not stated	None
Dormant Accounts – no activity for prior 12 months	$1	per month	None
Reconciling Check Book (Per hour – 1 hour minimum)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Home Banking members paper statements fee	$2	Not stated	None
Overdraft & NSF
Overdraft	$30	Not stated	None
Non-Sufficient Funds (NSF Item)	$30	Not stated	None
Returned Check Fee	$30	Not stated	None
Overdraft Transfer Protection Fee	$4	Not stated	None
ATM & Card
Lost/Stolen Card Fee	$10	Not stated	None
Replacement Card Fee	$5	Not stated	None
Wire Transfers
Wire Transfers (Outgoing)	$10	Not stated	None
Wire Transfers (Incoming)	$10	Not stated	None
Check Services
Cashier Check	$2	Not stated	None
Money Order	$1	Not stated	None
Stop Payment	$15	Not stated	None
Draft Copy Request	$2	Not stated	None
Cash & Deposit
Returned Deposit Item	$30	Not stated	None
Lending Fees
Late Fee	$20	Not stated	None
Retirement & IRA
IRA Early Withdrawal Fee	$25	Not stated	None

Correct a fee source

Nov 3, 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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