Harbor Pointe Federal Credit Union

Headquarters: Duluth, Minnesota
Charter: Credit Union
Assets: $158.5M
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 5, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Harbor Pointe Federal Credit Union: $30
Harbor Pointe Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Harbor Pointe Federal Credit Union: $30
Harbor Pointe Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Harbor Pointe Federal Credit Union: $25
Harbor Pointe Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 5, 2026View sources

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.

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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 Harbor Pointe Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Below Minimum Balance$5
Early Account Closure Fee (within 90 days)$25
Inactive Checking Account (after 1 Year)$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation | $25.00/hour
Paper Statement (Effective May 2022)$5
per month
Excessive Withdrawal Fee (after 6 transfers from savings/month)$5
per item
Invalid Address Fee$5
per month
Return Mail$5

Overdraft & NSF

Overdraft Fee (Item Cleared)$30
per item
NSF Fee (Item Returned)$30
per item
Overdraft Transfer Fee (manual Transfer)$2
per item

ATM & Card

Debit Card Replacement Fee$10
VISA® Card Replacement Fee$10
Debit Card Replacement Fee expedited delivery$50

Wire Transfers

Domestic Wire Transfer$25
per item
Incoming Wire Fee$5
International Wire Transfer$75
per item

Check Services

Certified Check$7
per item
Credit Union Check (cashier’s Check)$5
per item
Stop Payment Fee$25
per item
Temporary Checks$2
Draft (check copy)$2
per item

Digital & Electronic

Bill Pay / Zelle® (Classic Checking)$4
per month
Bill Pay / Zelle® (Virtual Checking)No charge
Mobile Check Deposit: Personal AccountNo charge

Cash & Deposit

Coin Counting (audience not stated, treated as personal)1%
Foreign Deposited Item Return Fee$15
per item
Returned Check Deposit$5
per item

Account Services

Annual Rent Size 10×10 (audience not stated, treated as personal)$90
per year
Annual Rent Size 3×10 (audience not stated, treated as personal)$45
per year
Annual Rent Size 3×5 (audience not stated, treated as personal)$25
per year
Annual Rent Size 5×10 (audience not stated, treated as personal)$60
per year
Annual Rent Size 5×5 (audience not stated, treated as personal)$40
per year
Drilling of Box (audience not stated, treated as personal)$250
Not compared: Box drilling or key fee
per item
Duplicate Key (audience not stated, treated as personal)$50
Not compared: Box drilling or key fee
per item
Safe Deposit Late Payment (audience not stated, treated as personal)$10
Not compared: Box drilling or key fee
Levy/Garnishment Fee$50
per item

Gift & Prepaid Cards

VISA® Gift Card$4
per item

Other Fees

Loan Documents Copy Fee$10
Statement Copy Fee$5
per item
Duplicate Mortgage Satisfaction$25
Lender Request Payoff$10
Lien Release Replacement Fee$5
Loan Payment Online By Debit Card$5

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	Account Reconciliation \| $25.00/hour
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
Loan Payment Online By Debit Card	$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

Account Maintenance

Account Below Minimum Balance$5
Early Account Closure Fee (within 90 days)$25
Inactive Checking Account (after 1 Year)$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation | $25.00/hour
Paper Statement (Effective May 2022)$5
per month
Excessive Withdrawal Fee (after 6 transfers from savings/month)$5
per item
Invalid Address Fee$5
per month
Return Mail$5

Overdraft & NSF

Overdraft Fee (Item Cleared)$30
per item
NSF Fee (Item Returned)$30
per item
Overdraft Transfer Fee (manual Transfer)$2
per item

ATM & Card

Debit Card Replacement Fee$10
VISA® Card Replacement Fee$10
Debit Card Replacement Fee expedited delivery$50

Wire Transfers

Domestic Wire Transfer$25
per item
Incoming Wire Fee$5
International Wire Transfer$75
per item

Check Services

Certified Check$7
per item
Credit Union Check (cashier’s Check)$5
per item
Stop Payment Fee$25
per item
Temporary Checks$2
Draft (check copy)$2
per item

Digital & Electronic

Bill Pay / Zelle® (Classic Checking)$4
per month
Bill Pay / Zelle® (Virtual Checking)No charge
Mobile Check Deposit: Business Account$0.50
per item

Cash & Deposit

Foreign Deposited Item Return Fee$15
per item
Returned Check Deposit$5
per item

Account Services

Levy/Garnishment Fee$50
per item

Gift & Prepaid Cards

VISA® Gift Card$4
per item

Other Fees

Loan Documents Copy Fee$10
Statement Copy Fee$5
per item
Duplicate Mortgage Satisfaction$25
Lender Request Payoff$10
Lien Release Replacement Fee$5
Loan Payment Online By Debit Card$5

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	Account Reconciliation \| $25.00/hour
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
Loan Payment Online By Debit Card	$5	Not stated	None

Correct a fee source

Nov 5, 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

Get an email when Harbor Pointe Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Harbor Pointe Federal Credit Union: $30
Harbor Pointe Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Harbor Pointe Federal Credit Union: $30
Harbor Pointe Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Harbor Pointe Federal Credit Union: $25
Harbor Pointe Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 5, 2026View sources

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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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.

Published fee schedule

Amounts from Harbor Pointe Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Below Minimum Balance$5
Early Account Closure Fee (within 90 days)$25
Inactive Checking Account (after 1 Year)$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation | $25.00/hour
Paper Statement (Effective May 2022)$5
per month
Excessive Withdrawal Fee (after 6 transfers from savings/month)$5
per item
Invalid Address Fee$5
per month
Return Mail$5

Overdraft & NSF

Overdraft Fee (Item Cleared)$30
per item
NSF Fee (Item Returned)$30
per item
Overdraft Transfer Fee (manual Transfer)$2
per item

ATM & Card

Debit Card Replacement Fee$10
VISA® Card Replacement Fee$10
Debit Card Replacement Fee expedited delivery$50

Wire Transfers

Domestic Wire Transfer$25
per item
Incoming Wire Fee$5
International Wire Transfer$75
per item

Check Services

Certified Check$7
per item
Credit Union Check (cashier’s Check)$5
per item
Stop Payment Fee$25
per item
Temporary Checks$2
Draft (check copy)$2
per item

Digital & Electronic

Bill Pay / Zelle® (Classic Checking)$4
per month
Bill Pay / Zelle® (Virtual Checking)No charge
Mobile Check Deposit: Personal AccountNo charge

Cash & Deposit

Coin Counting (audience not stated, treated as personal)1%
Foreign Deposited Item Return Fee$15
per item
Returned Check Deposit$5
per item

Account Services

Annual Rent Size 10×10 (audience not stated, treated as personal)$90
per year
Annual Rent Size 3×10 (audience not stated, treated as personal)$45
per year
Annual Rent Size 3×5 (audience not stated, treated as personal)$25
per year
Annual Rent Size 5×10 (audience not stated, treated as personal)$60
per year
Annual Rent Size 5×5 (audience not stated, treated as personal)$40
per year
Drilling of Box (audience not stated, treated as personal)$250
Not compared: Box drilling or key fee
per item
Duplicate Key (audience not stated, treated as personal)$50
Not compared: Box drilling or key fee
per item
Safe Deposit Late Payment (audience not stated, treated as personal)$10
Not compared: Box drilling or key fee
Levy/Garnishment Fee$50
per item

Gift & Prepaid Cards

VISA® Gift Card$4
per item

Other Fees

Loan Documents Copy Fee$10
Statement Copy Fee$5
per item
Duplicate Mortgage Satisfaction$25
Lender Request Payoff$10
Lien Release Replacement Fee$5
Loan Payment Online By Debit Card$5

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	Account Reconciliation \| $25.00/hour
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
Loan Payment Online By Debit Card	$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

Account Maintenance

Account Below Minimum Balance$5
Early Account Closure Fee (within 90 days)$25
Inactive Checking Account (after 1 Year)$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation | $25.00/hour
Paper Statement (Effective May 2022)$5
per month
Excessive Withdrawal Fee (after 6 transfers from savings/month)$5
per item
Invalid Address Fee$5
per month
Return Mail$5

Overdraft & NSF

Overdraft Fee (Item Cleared)$30
per item
NSF Fee (Item Returned)$30
per item
Overdraft Transfer Fee (manual Transfer)$2
per item

ATM & Card

Debit Card Replacement Fee$10
VISA® Card Replacement Fee$10
Debit Card Replacement Fee expedited delivery$50

Wire Transfers

Domestic Wire Transfer$25
per item
Incoming Wire Fee$5
International Wire Transfer$75
per item

Check Services

Certified Check$7
per item
Credit Union Check (cashier’s Check)$5
per item
Stop Payment Fee$25
per item
Temporary Checks$2
Draft (check copy)$2
per item

Digital & Electronic

Bill Pay / Zelle® (Classic Checking)$4
per month
Bill Pay / Zelle® (Virtual Checking)No charge
Mobile Check Deposit: Business Account$0.50
per item

Cash & Deposit

Foreign Deposited Item Return Fee$15
per item
Returned Check Deposit$5
per item

Account Services

Levy/Garnishment Fee$50
per item

Gift & Prepaid Cards

VISA® Gift Card$4
per item

Other Fees

Loan Documents Copy Fee$10
Statement Copy Fee$5
per item
Duplicate Mortgage Satisfaction$25
Lender Request Payoff$10
Lien Release Replacement Fee$5
Loan Payment Online By Debit Card$5

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	Account Reconciliation \| $25.00/hour
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
Loan Payment Online By Debit Card	$5	Not stated	None

Correct a fee source

Nov 5, 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.