Hartford Federal Credit Union

Headquarters: Hartford, Connecticut
Charter: Credit Union
Assets: $159.6M
Fed district: Boston

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
2nd Chance Checking
Hartford Federal Credit Union: $5
Hartford Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Hartford Federal Credit Union: $35
Hartford Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Hartford Federal Credit Union: $10
Hartford 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 1, 2026View sources

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

Account Maintenance

2nd Chance Checking Monthly service charge (audience not stated, treated as personal)$5
per month
Take 2 Checking Monthly service charge (audience not stated, treated as personal)$5
per month
IRA Minimum Balance Fee (if IRA balance is below $500)$2
Not compared: CD/IRA fee
per month
Closing a main share account within 3 months of opening$20
Inactive fee (1 yr. no activity)$10
per month
Research or account reconciliation$50
Not compared: Charged per hour; comparison unavailable
per hour · | Research or account reconciliation | $ 50.00 per hour |
Paper statement fee$2
per item
Undeliverable statement$5
Not compared: Per-occurrence charge, not monthly
per item

Overdraft & NSF

Insufficient funds or Courtesy Pay$35
Student Checking Insufficient Funds$10
Automatic transfer (savings overdraft protection)$5

ATM & Card

Non-HFCU ATM balance inquiry$0.50
Non-HFCU ATM withdrawal or transfer$1
Card replacement: Debit or ATM Card replacement$15

Wire Transfers

Wire transfer – outgoing domestic$25
Wire transfer - incoming$10
Wire transfer – outgoing international$40

Check Services

Certified check$15
Official check$5
Money order$3
Stop payment$25
Non-member check cashing fee$10
Photocopy of statement or check$5

Cash & Deposit

Returned deposited check$20

Account Services

Processing levies, garnishments, executions & subpoenas$75

Lending Fees

Late Payment Fees$25

Retirement & IRA

IRA Transfer fee$50

Fee	Amount	Basis	Note
Account Maintenance
2nd Chance Checking Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Take 2 Checking Monthly service charge (audience not stated, treated as personal)	$5	per month	None
IRA Minimum Balance Fee (if IRA balance is below $500)	$2Not compared: CD/IRA fee	per month	None
Closing a main share account within 3 months of opening	$20	Not stated	None
Inactive fee (1 yr. no activity)	$10	per month	None
Research or account reconciliation	$50Not compared: Charged per hour; comparison unavailable	per hour	\| Research or account reconciliation \| $ 50.00 per hour \|
Paper statement fee	$2	per item	None
Undeliverable statement	$5Not compared: Per-occurrence charge, not monthly	per item	None
Overdraft & NSF
Insufficient funds or Courtesy Pay	$35	Not stated	None
Student Checking Insufficient Funds	$10	Not stated	None
Automatic transfer (savings overdraft protection)	$5	Not stated	None
ATM & Card
Non-HFCU ATM balance inquiry	$0.50	Not stated	None
Non-HFCU ATM withdrawal or transfer	$1	Not stated	None
Card replacement: Debit or ATM Card replacement	$15	Not stated	None
Wire Transfers
Wire transfer – outgoing domestic	$25	Not stated	None
Wire transfer - incoming	$10	Not stated	None
Wire transfer – outgoing international	$40	Not stated	None
Check Services
Certified check	$15	Not stated	None
Official check	$5	Not stated	None
Money order	$3	Not stated	None
Stop payment	$25	Not stated	None
Non-member check cashing fee	$10	Not stated	None
Photocopy of statement or check	$5	Not stated	None
Cash & Deposit
Returned deposited check	$20	Not stated	None
Account Services
Processing levies, garnishments, executions & subpoenas	$75	Not stated	None
Lending Fees
Late Payment Fees	$25	Not stated	None
Retirement & IRA
IRA Transfer fee	$50	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

Nov 1, 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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