Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Harbor Pointe Federal Credit Union

Duluth, MinnesotaCredit UnionMinneapolis Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation$25Within the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=account_research; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Account Reconciliation | $25.00/hour" · Source

Early Account Closure Fee (within 90 days)$25

$10 above the national median

Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=early_closure; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Early Account Closure Fee (within 90 days) | $25.00/account" · Source

eStatement$0

At the national median

Knox read a free fee from Rosetta artifact #8734. canonical_hint=estatement_fee; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="eStatement | Free" · Source

Inactive Checking Account (after 1 Year)$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=dormant_account; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Inactive Checking Account (after 1 Year) | $5.00/month" · Source

Paper Statement (Effective May 2022)$5

$2 above the national median

per month · Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=paper_statement; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Paper Statement (Effective May 2022) | $5/month for Virtual Checking accounts" · Source

Overdraft & NSFVerified

NSF Fee (Item Returned)$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=nsf; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="NSF Fee (Item Returned) | $30.00/item" · Source
Overdraft Fee (Item Cleared)$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=overdraft; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Overdraft Fee (Item Cleared) | $30.00/item" · Source
Overdraft Transfer Fee (manual Transfer)$2Below the typical range ($2.88–$5 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=od_protection_transfer; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Overdraft Transfer Fee (manual Transfer) | $2.00/transfer" · Source

ATM & CardVerified

Debit Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=card_replacement; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Debit Card Replacement Fee | $10.00 / $50 expedited delivery" · Source

Wire TransfersVerified

Incoming Wire Fee$5Within the typical range ($5–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=wire_domestic_incoming; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Incoming Wire Fee | $5.00" · Source

Check ServicesVerified

Certified Check$7Above the typical range ($3–$6 nationally)
$2 above the national median
per item · Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=cashiers_check; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Certified Check | $7.00/check" · Source
Credit Union Check (cashier’s Check)$5Within the typical range ($3–$6 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=cashiers_check; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Credit Union Check (cashier’s Check) | $5.00/check" · Source
Draft (check copy)$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=check_image; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Draft (check copy) | $2.00/each item" · Source
Stop Payment Fee$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=stop_payment; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Stop Payment Fee | $25.00/request" · Source
Temporary Checks$2Within the typical range ($1–$4 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=counter_check; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Temporary Checks | $2.00 / 4 checks" · Source

Digital & ElectronicVerified

Bill Pay / Zelle® (Classic Checking)$4Within the typical range ($0–$10 nationally)
$0.95 below the national median
per month · Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=bill_pay; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Bill Pay / Zelle® (Classic Checking) | $4.00/month" · Source
Bill Pay / Zelle® (Virtual Checking)$0Within the typical range ($0–$10 nationally)
$4.95 below the national median
Knox read a free fee from Rosetta artifact #8734. canonical_hint=bill_pay; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Bill Pay / Zelle® (Virtual Checking) | Free" · Source

Cash & DepositVerified

Foreign Deposited Item Return Fee$15Within the typical range ($10–$25 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=deposited_item_return; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Foreign Deposited Item Return Fee | $15.00/item" · Source

Account ServicesVerified

Drilling of Box$250Above the typical range ($25–$75 nationally)
$207.50 above the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=safe_deposit_box; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Drilling of Box | $250.00/box" · Source
Levy/Garnishment Fee$50Within the typical range ($30–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=garnishment_levy; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Levy/Garnishment Fee | $50.00/occurrence" · Source
Safe Deposit Late Payment$10Below the typical range ($25–$75 nationally)
$32.50 below the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=safe_deposit_box; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Safe Deposit Late Payment | $10.00" · Source

Mortgage ServicingVerified

Lien Release Replacement Fee$5Within the typical range ($5–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=mortgage_lien_release; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Lien Release Replacement Fee | $5.00" · Source

Gift & Prepaid CardsVerified

VISA® Gift Card$4Within the typical range ($3–$4.95 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=gift_card_purchase; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="VISA® Gift Card | $4.00/each" · Source

Other FeesVerified

Statement Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=document_reproduction; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Statement Copy Fee | $5.00/copy" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=account_research; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Account Reconciliation \| $25.00/hour"	Source
Early Account Closure Fee (within 90 days)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=early_closure; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Early Account Closure Fee (within 90 days) \| $25.00/account"	Source
eStatement	$0Within the typical range ($0–$3 nationally)	At the national median	—	Knox read a free fee from Rosetta artifact #8734. canonical_hint=estatement_fee; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="eStatement \| Free"	Source
Inactive Checking Account (after 1 Year)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=dormant_account; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Inactive Checking Account (after 1 Year) \| $5.00/month"	Source
Paper Statement (Effective May 2022)	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per month	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=paper_statement; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Paper Statement (Effective May 2022) \| $5/month for Virtual Checking accounts"	Source
Overdraft & NSFVerified
NSF Fee (Item Returned)	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=nsf; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="NSF Fee (Item Returned) \| $30.00/item"	Source
Overdraft Fee (Item Cleared)	$30
ATM & CardVerified
Debit Card Replacement Fee	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=card_replacement; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Debit Card Replacement Fee \| $10.00 / $50 expedited delivery"	Source
Wire TransfersVerified
Incoming Wire Fee	$5Within the typical range ($5–$15 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=wire_domestic_incoming; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Incoming Wire Fee \| $5.00"	Source
Check ServicesVerified
Certified Check	$7Above the typical range ($3–$6 nationally)	$2 above the national median	per item	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=cashiers_check; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Certified Check \| $7.00/check"	Source
Credit Union Check (cashier’s Check)	$5
Digital & ElectronicVerified
Bill Pay / Zelle® (Classic Checking)	$4Within the typical range ($0–$10 nationally)	$0.95 below the national median	per month	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=bill_pay; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Bill Pay / Zelle® (Classic Checking) \| $4.00/month"	Source
Bill Pay / Zelle® (Virtual Checking)	$0
Cash & DepositVerified
Foreign Deposited Item Return Fee	$15Within the typical range ($10–$25 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=deposited_item_return; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Foreign Deposited Item Return Fee \| $15.00/item"	Source
Account ServicesVerified
Drilling of Box	$250Above the typical range ($25–$75 nationally)	$207.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=safe_deposit_box; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Drilling of Box \| $250.00/box"	Source
Levy/Garnishment Fee	$50
Mortgage ServicingVerified
Lien Release Replacement Fee	$5Within the typical range ($5–$15 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=mortgage_lien_release; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Lien Release Replacement Fee \| $5.00"	Source
Gift & Prepaid CardsVerified
VISA® Gift Card	$4Within the typical range ($3–$4.95 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=gift_card_purchase; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="VISA® Gift Card \| $4.00/each"	Source
Other FeesVerified
Statement Copy Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #8734. canonical_hint=document_reproduction; text_hash=3507d67a4188003f778806438b36ba4bf3d2885481a2d38efd340b6f6a2b4dcf; excerpt="Statement Copy Fee \| $5.00/copy"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 24 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$158.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$158.5M

Total deposits

$136.5M

Service charge income (year to date)

$186K

Fee income ratio

4.1%

Return on assets

1.44%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 27,539 verified fees from 2,277 institutions

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