Highway Crossroads Federal Credit Union

Headquarters: Sikeston, Missouri
Charter: Credit Union
Assets: $24.4M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Monthly Maintenance
Highway Crossroads Federal Credit Union: $3.95
Highway Crossroads Federal Credit Union: $3.95
U.S. median: no median
NSF / Returned Item
Highway Crossroads Federal Credit Union: $35
Highway Crossroads Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Highway Crossroads Federal Credit Union: $1.50
Highway Crossroads Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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

Account Maintenance

Monthly fee$3.95
per month
Premature Membership Account Closing (Within 90 days of opening)$30
Inactive Account Fee (charged quarterly)$5
Not compared: Quarterly charge, not monthly
per quarter
Inactivity feeNo charge
Paper Statement Print Fee (For members joining after 06/01/2017)$1
Returned Mail Fee$2

Overdraft & NSF

Nonsufficient ACH/Check Fee$35
per item

ATM & Card

ATM cash withdrawal - United States$1.50
ATM cash withdrawal fee—US$1.50
International ATM balance inquiryNo charge
International ATM withdrawal$1.50
per item
Replacement card fee$10
International transaction fee2%of the transaction

Wire Transfers

Wire Transfer Fee - Outgoing$25

Check Services

Cashiers Check (issued from member account)$2
Money Orders$2
Stop Payment Fee (ACH / Check)$20
per item
Copy of Check$1

Digital & Electronic

ACH Origination Fee (originated by HCCU)$2
ACH Origination Fee (using mobile app)No charge
One Click Bill Payment ServiceNo charge

Cash & Deposit

Deposited checks (and other items) returned unpaid$25

Account Services

Notary Service (members)No charge
Notary Service (non-members)$5

Lending Fees

Loan Origination Fee (funded loans)$100

Gift & Prepaid Cards

Gift Card Purchase$2.50
Gift Card Purchase Prepaid Reloadable CardTeller Loading of Prepaid CardsNo charge
Not compared: Annual charge, not per item
per year
Prepaid Reloadable Card$5

Other Fees

Skip a Pay Fee$25
Subsequent Action Loan Modification Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$3.95	per month	None
Premature Membership Account Closing (Within 90 days of opening)	$30	Not stated	None
Inactive Account Fee (charged quarterly)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Inactivity fee	No charge	Not stated	None
Paper Statement Print Fee (For members joining after 06/01/2017)	$1	Not stated	None
Returned Mail Fee	$2	Not stated	None
Overdraft & NSF
Nonsufficient ACH/Check Fee	$35	per item	None
ATM & Card
ATM cash withdrawal - United States	$1.50	Not stated	None
ATM cash withdrawal fee—US	$1.50	Not stated	None
International ATM balance inquiry	No charge	Not stated	None
International ATM withdrawal	$1.50	per item	None
Replacement card fee	$10	Not stated	None
International transaction fee	2%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$25	Not stated	None
Check Services
Cashiers Check (issued from member account)	$2	Not stated	None
Money Orders	$2	Not stated	None
Stop Payment Fee (ACH / Check)	$20	per item	None
Copy of Check	$1	Not stated	None
Digital & Electronic
ACH Origination Fee (originated by HCCU)	$2	Not stated	None
ACH Origination Fee (using mobile app)	No charge	Not stated	None
One Click Bill Payment Service	No charge	Not stated	None
Cash & Deposit
Deposited checks (and other items) returned unpaid	$25	Not stated	None
Account Services
Notary Service (members)	No charge	Not stated	None
Notary Service (non-members)	$5	Not stated	None
Lending Fees
Loan Origination Fee (funded loans)	$100	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase	$2.50	Not stated	None
Gift Card Purchase Prepaid Reloadable CardTeller Loading of Prepaid Cards	No chargeNot compared: Annual charge, not per item	per year	None
Prepaid Reloadable Card	$5	Not stated	None
Other Fees
Skip a Pay Fee	$25	Not stated	None
Subsequent Action Loan Modification Fee	$25	Not stated	None

Correct a fee source

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.

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