Highmark Federal Credit Union

Headquarters: Rapid City, South Dakota
Charter: Credit Union
Assets: $257.8M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Monthly Maintenance
Highmark Federal Credit Union: $25
Highmark Federal Credit Union: $25
U.S. median: no median
Overdraft (OD)
Highmark Federal Credit Union: $25
Highmark Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Highmark Federal Credit Union: $25
Highmark Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

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

Account Maintenance

Monthly Service Fee$25
per month
Early Account Closing, within 6 months$25
Dormancy Fee$10
per month
Account Reconciliation, per hour ($10 min)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2

Overdraft & NSF

Courtesy Pay Fee$25
NSF Fee$25

ATM & Card

Out-of-Network ATM transactions$3
per item
Plastic Card Replacement$5
Emergency Card Replace/Rush Delivery$30

Wire Transfers

Wire Transfer, incomingNo charge

Check Services

Money Order, per each (max $1,000)$3
Stop Payment Fee, including CU Checks$30
Check Cashing, per payee, per visit$5
Collection Item, incoming or outgoing$15
Copy of Paid Check, per each$2
per item

Digital & Electronic

ACH Batch Fee, per batch$2.50

Cash & Deposit

Cash Advance Fee (Non-Highmark Card)$5
Deposit Item Returned$15.95

Account Services

Notary Service (members only)No charge
Drilling of Safe Deposit Box$125
Not compared: Box drilling or key fee
Late Payment of Annual Rent$5
Not compared: Box drilling or key fee
per year
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$140
per year
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$50
per year
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$100
per year
Verification of Deposit, written$5

Gift & Prepaid Cards

VISA Gift Card, per each$3
per item

Other Fees

Overnight Delivery: Drawn on own account$35
Document Copy$5
Photocopy, per page$0.25
per item
Loan Payment Deferral or Skip Payment$35
Mortgage Payoff Statement$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$25	per month	None
Early Account Closing, within 6 months	$25	Not stated	None
Dormancy Fee	$10	per month	None
Account Reconciliation, per hour ($10 min)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$25	Not stated	None
NSF Fee	$25	Not stated	None
ATM & Card
Out-of-Network ATM transactions	$3	per item	None
Plastic Card Replacement	$5	Not stated	None
Emergency Card Replace/Rush Delivery	$30	Not stated	None
Wire Transfers
Wire Transfer, incoming	No charge	Not stated	None
Check Services
Money Order, per each (max $1,000)	$3	Not stated	None
Stop Payment Fee, including CU Checks	$30	Not stated	None
Check Cashing, per payee, per visit	$5	Not stated	None
Collection Item, incoming or outgoing	$15	Not stated	None
Copy of Paid Check, per each	$2	per item	None
Digital & Electronic
ACH Batch Fee, per batch	$2.50	Not stated	None
Cash & Deposit
Cash Advance Fee (Non-Highmark Card)	$5	Not stated	None
Deposit Item Returned	$15.95	Not stated	None
Account Services
Notary Service (members only)	No charge	Not stated	None
Drilling of Safe Deposit Box	$125Not compared: Box drilling or key fee	Not stated	None
Late Payment of Annual Rent	$5Not compared: Box drilling or key fee	per year	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$140	per year	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$100	per year	None
Verification of Deposit, written	$5	Not stated	None
Gift & Prepaid Cards
VISA Gift Card, per each	$3	per item	None
Other Fees
Overnight Delivery: Drawn on own account	$35	Not stated	None
Document Copy	$5	Not stated	None
Photocopy, per page	$0.25	per item	None
Loan Payment Deferral or Skip Payment	$35	Not stated	None
Mortgage Payoff Statement	$10	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

Correct a fee source

Oct 5, 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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