Health Care Professionals Federal Credit Union

Headquarters: Richmond, Indiana
Charter: Credit Union
Assets: $41.6M
Fed district: Chicago

18 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)
Health Care Professionals Federal Credit Union: $20
Health Care Professionals Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Health Care Professionals Federal Credit Union: $20
Health Care Professionals Federal Credit Union: $20
U.S. median: no median
Non-Network ATM
Health Care Professionals Federal Credit Union: $0.50
Health Care Professionals Federal Credit Union: $0.50
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 Health Care Professionals Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Account Fee (if closed within 90 days of opening)$5
Dormant Account / Inactive Account Fee (each month the account is inactive) After 12 months with no activity$5
per month
IRA Inactive Account Fee (per quarter)$25
Not compared: Quarterly charge, not monthly
per quarter
Reconciliation Fee (refunded if our error)$20

Overdraft & NSF

Share Overdraft Fee (per each item paid)$20
per item
ACH NSF Fees (each item)$20
per item
Returned Draft Charge (NSF)$20

ATM & Card

Visa Check Card/ATM Withdrawal (At machines we do not own or designate)$0.50
VISA Check Card/ATM Card Replacement Fee$10
Rush Delivery of VISA Check Card/ATM Card$35

Wire Transfers

Wire Transfer Fee (domestic)$20
Wire Transfer Fee (international)$40

Check Services

Money Order Fee$1
Official CU Check Stop Payment Fee$25
Stop Payment Charge$20
Counter Check (must order minimum of 5)$0.50
Non-Member Check Cashing Fee$5
Draft Photo Copy Charge (copies of paid drafts) after 5th copy in each month$2

Lending Fees

Late Payment Fee$25

Retirement & IRA

IRA Fees: Transfer Fee$25

Other Fees

Skip A Payment Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee (if closed within 90 days of opening)	$5	Not stated	None
Dormant Account / Inactive Account Fee (each month the account is inactive) After 12 months with no activity	$5	per month	None
IRA Inactive Account Fee (per quarter)	$25Not compared: Quarterly charge, not monthly	per quarter	None
Reconciliation Fee (refunded if our error)	$20	Not stated	None
Overdraft & NSF
Share Overdraft Fee (per each item paid)	$20	per item	None
ACH NSF Fees (each item)	$20	per item	None
Returned Draft Charge (NSF)	$20	Not stated	None
ATM & Card
Visa Check Card/ATM Withdrawal (At machines we do not own or designate)	$0.50	Not stated	None
VISA Check Card/ATM Card Replacement Fee	$10	Not stated	None
Rush Delivery of VISA Check Card/ATM Card	$35	Not stated	None
Wire Transfers
Wire Transfer Fee (domestic)	$20	Not stated	None
Wire Transfer Fee (international)	$40	Not stated	None
Check Services
Money Order Fee	$1	Not stated	None
Official CU Check Stop Payment Fee	$25	Not stated	None
Stop Payment Charge	$20	Not stated	None
Counter Check (must order minimum of 5)	$0.50	Not stated	None
Non-Member Check Cashing Fee	$5	Not stated	None
Draft Photo Copy Charge (copies of paid drafts) after 5th copy in each month	$2	Not stated	None
Lending Fees
Late Payment Fee	$25	Not stated	None
Retirement & IRA
IRA Fees: Transfer Fee	$25	Not stated	None
Other Fees
Skip A Payment 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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