26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 18, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Harbor Pointe Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour
per month
per item
per month
per year
per year
per year
per year
per year
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Below Minimum Balance | $5 | Not stated | None |
| Early Account Closure Fee (within 90 days) | $25 | Not stated | None |
| Inactive Checking Account (after 1 Year) | $5 | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement (Effective May 2022) | $5 | per month | None |
| Excessive Withdrawal Fee (after 6 transfers from savings/month) | $5 | per item | None |
| Invalid Address Fee | $5 | per month | None |
| Return Mail | $5 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (Item Cleared) | $30 | per item | None |
| NSF Fee (Item Returned) | $30 | per item | None |
| Overdraft Transfer Fee (manual Transfer) | $2 | per item | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10 | Not stated | None |
| VISA® Card Replacement Fee | $10 | Not stated | None |
| Debit Card Replacement Fee expedited delivery | $50 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $25 | per item | None |
| Incoming Wire Fee | $5 | Not stated | None |
| International Wire Transfer | $75 | per item | None |
Check Services | |||
| Certified Check | $7 | per item | None |
| Credit Union Check (cashier’s Check) | $5 | per item | None |
| Stop Payment Fee | $25 | per item | None |
| Temporary Checks | $2 | Not stated | None |
| Draft (check copy) | $2 | per item | None |
Digital & Electronic | |||
| Bill Pay / Zelle® (Classic Checking) | $4 | per month | None |
| Bill Pay / Zelle® (Virtual Checking) | No charge | Not stated | None |
| Mobile Check Deposit: Personal Account | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Counting (audience not stated, treated as personal) | 1% | Not stated | None |
| Foreign Deposited Item Return Fee | $15 | per item | None |
| Returned Check Deposit | $5 | per item | None |
Account Services | |||
| Annual Rent Size 10×10 (audience not stated, treated as personal) | $90 | per year | None |
| Annual Rent Size 3×10 (audience not stated, treated as personal) | $45 | per year | None |
| Annual Rent Size 3×5 (audience not stated, treated as personal) | $25 | per year | None |
| Annual Rent Size 5×10 (audience not stated, treated as personal) | $60 | per year | None |
| Annual Rent Size 5×5 (audience not stated, treated as personal) | $40 | per year | None |
| Drilling of Box (audience not stated, treated as personal) | $250Not compared: Box drilling or key fee | per item | None |
| Duplicate Key (audience not stated, treated as personal) | $50Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Late Payment (audience not stated, treated as personal) | $10Not compared: Box drilling or key fee | Not stated | None |
| Levy/Garnishment Fee | $50 | per item | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $4 | per item | None |
Other Fees | |||
| Loan Documents Copy Fee | $10 | Not stated | None |
| Statement Copy Fee | $5 | per item | None |
| Duplicate Mortgage Satisfaction | $25 | Not stated | None |
| Lender Request Payoff | $10 | Not stated | None |
| Lien Release Replacement Fee | $5 | 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
per month
per hour
per month
per item
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Below Minimum Balance | $5 | Not stated | None |
| Early Account Closure Fee (within 90 days) | $25 | Not stated | None |
| Inactive Checking Account (after 1 Year) | $5 | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement (Effective May 2022) | $5 | per month | None |
| Excessive Withdrawal Fee (after 6 transfers from savings/month) | $5 | per item | None |
| Invalid Address Fee | $5 | per month | None |
| Return Mail | $5 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (Item Cleared) | $30 | per item | None |
| NSF Fee (Item Returned) | $30 | per item | None |
| Overdraft Transfer Fee (manual Transfer) | $2 | per item | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10 | Not stated | None |
| VISA® Card Replacement Fee | $10 | Not stated | None |
| Debit Card Replacement Fee expedited delivery | $50 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $25 | per item | None |
| Incoming Wire Fee | $5 | Not stated | None |
| International Wire Transfer | $75 | per item | None |
Check Services | |||
| Certified Check | $7 | per item | None |
| Credit Union Check (cashier’s Check) | $5 | per item | None |
| Stop Payment Fee | $25 | per item | None |
| Temporary Checks | $2 | Not stated | None |
| Draft (check copy) | $2 | per item | None |
Digital & Electronic | |||
| Bill Pay / Zelle® (Classic Checking) | $4 | per month | None |
| Bill Pay / Zelle® (Virtual Checking) | No charge | Not stated | None |
| Mobile Check Deposit: Business Account | $0.50 | per item | None |
Cash & Deposit | |||
| Foreign Deposited Item Return Fee | $15 | per item | None |
| Returned Check Deposit | $5 | per item | None |
Account Services | |||
| Levy/Garnishment Fee | $50 | per item | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $4 | per item | None |
Other Fees | |||
| Loan Documents Copy Fee | $10 | Not stated | None |
| Statement Copy Fee | $5 | per item | None |
| Duplicate Mortgage Satisfaction | $25 | Not stated | None |
| Lender Request Payoff | $10 | Not stated | None |
| Lien Release Replacement Fee | $5 | Not stated | None |
Oct 18, 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.
Fee change alerts
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