Compared with South Dakota
11 of 22
compared fees are above the median.
8 below, 3 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
70th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the South Dakota median
of 22 compared; 8 below, 3 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Northern Hills 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 South Dakota median | Published fees above the South Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Northern Hills Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (70th 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 $384K in Q2 2026, 10% above the same quarter a year earlier ($349K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 22 compared published fees sit above the South Dakota median; 8 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 South Dakota medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Overdraft (OD)
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.
Fee income fell 5.0% from Q3 2025 to Q2 2026, to $384K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.
$384K
Northern Hills 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.
Northern Hills Federal Credit Union · $205M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Northern Hills Federal Credit Union(this institution) | Sturgis, SD | $205M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Abbey Federal Credit Union | Vandalia, OH | $200M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Access Community Federal Credit Union | Amarillo, TX | $211M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aim Federal Credit Union | Dubuque, IA | $201M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alta Vista Federal Credit Union | Redlands, CA | $209M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Awakon Federal Credit Union | Onaway, MI | $203M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Bluestone Federal Credit Union | Sioux Falls, SD | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Federal Credit Union | Big Spring, TX | $202M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cooperative Choice Network Federal Credit Union | Peoria, IL | $206M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Duke University Federal Credit Union | Durham, NC | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Financial Trust Federal Credit Union | Cheektowaga, NY | $203M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fire Police City County Federal Credit Union | Fort Wayne, IN | $207M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fitzsimons Federal Credit Union | Aurora, CO | $211M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frontier Community Federal Credit Union | Leavenworth, KS | $210M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members First Federal Credit Union | Brigham City, UT | $209M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Merco Federal Credit Union | Merced, CA | $207M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Priority One Federal Credit Union | South Pasadena, CA | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Railway Federal Credit Union | Mandan, ND | $212M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Red Wing Federal Credit Union | Red Wing, MN | $208M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sentinel Federal Credit Union | Box Elder, SD | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Service 1 Federal Credit Union | Muskegon, MI | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Southwest Montana Community Federal Credit Union | Anaconda, MT | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Spirit Of Alaska Federal Credit Union | Fairbanks, AK | $201M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trunorth Federal Credit Union | Ishpeming, MI | $203M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U.P. State Federal Credit Union | Escanaba, MI | $210M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| White Eagle Federal Credit Union | Augusta, KS | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $7.50, against a peer median of $7.50 among 11 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 28, 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 28, 2026. Total assets from FDIC and NCUA records.
Call reports for Northern Hills 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 | $384K | +$47K | +13.9% |
| Q1 2026 | $337K | −$36K | −9.7% |
| Q4 2025 | $373K | −$31K | −7.7% |
| Q3 2025 | $404K | +$55K | +15.8% |
| Q2 2025 | $349K | +$67K | +23.8% |
| Q1 2025 | $282K | −$35K | −11.0% |
| Q4 2024 | $317K | −$18K | −5.4% |
| Q3 2024 | $335K | +$34K | +11.3% |
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, Northern Hills 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 Northern Hills Federal Credit Union by share.
Amounts from Northern Hills Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closing, under 90 days: Over | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account, per month | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity fee, per month | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconciliation, per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee, per month | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Incorrect Address/Returned Mail, per piece | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft by ATM Withdrawal, per overdraft | $34Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Return Item Fee, per presentment | $34Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF / Returned Item | $34Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Fee | $34Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| From loan to cover overdraft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Out of Network ATM Withdrawals | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement ATM/Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited shipping | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing, per wire | $50Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Outgoing, per wire | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s Check, per check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment, per item | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks, per 12 | $6Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Item, Domestic or Foreign | $50Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Lookup or Copy, per item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Item, Loan or Deposit | $40Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| 3 x 10, per box | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3 x 5, per box | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 x 10, per box | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Drill Safe Deposit Box, two lost keys | $250Not compared: Box drilling or key fee | per item | None |
| Key Replacement, per key | $10Not compared: Box drilling or key fee | per item | None |
| Late Payment of Annual Rental | $5Not compared: Box drilling or key fee | per year | None |
| Replacement Lock, one lost key | $45Not compared: Box drilling or key fee | Not stated | None |
| Legal Order, Levy, Garnishment, + costs | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Mortgage Modifications/Subordination | $200Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer to Another Institution | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Unqualified Withdrawal, per withdrawal | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| VISA Gift Card, per card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| VISA Reloadable Prepaid Cards, per card | $10Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Fax – Receiving, per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax – Sending, per page, Local or 800# | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopy, per page | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Document Fee | $75Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 15, 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 Northern Hills Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Belle Fourche, SD | 1 |
| Deadwood, SD | 1 |
| Fort Meade, SD | 1 |
| Spearfish, SD | 1 |
| Sturgis, SD | 1 |
Largest competitors nearby
Local market: Meade county, SD, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| First Interstate Bank | 52.8% |
| First National Bank in Philip | 16.3% |
| Pioneer Bank & Trust | 11.9% |
| Wells Fargo Bank, National Association | 11% |
| First National Bank | 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.