Compared with Minnesota
10 of 25
compared fees are above the median.
5 below, 10 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
28th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 25 compared; 5 below, 10 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for Harbor Pointe Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Minnesota median | Published fees above the Minnesota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Harbor Pointe Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.1% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (28th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $101K in Q2 2026, 1.9% below the same quarter a year earlier ($103K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 25 compared published fees sit above the Minnesota median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Minnesota medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
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.
Fee income fell 4.7% from Q3 2025 to Q2 2026, to $101K. Its share of revenue, 4.1%, is below the 7.2% median for credit unions with under $300M in assets.
$101K
Harbor Pointe Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Harbor Pointe Federal Credit Union · $158M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Harbor Pointe Federal Credit Union(this institution) | Duluth, MN | $158M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 4U Federal Credit Union | Gainesville, TX | $156M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Affinity Federal Credit Union | Des Moines, IA | $154M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Best Financial Federal Credit Union | Muskegon, MI | $154M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bfg Federal Credit Union | Akron, OH | $160M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chocolate Bayou Community Federal Credit Union | Alvin, TX | $158M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Communities Of Abilene Federal Credit Union | Abilene, TX | $161M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fd Community Federal Credit Union | Waterbury, CT | $163M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Choice Federal Credit Union | West Palm Beach, FL | $161M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Family Federal Credit Union | Henryetta, OK | $154M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Georgia Heritage Federal Credit Union | Savannah, GA | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Green Country Federal Credit Union | Sand Springs, OK | $155M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hartford Federal Credit Union | Hartford, CT | $160M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hello Federal Credit Union | Panama City, FL | $160M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Kerr County Federal Credit Union | Kerrville, TX | $156M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kings Federal Credit Union | Hanford, CA | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lincoln Maine Federal Credit Union | Lincoln, ME | $163M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnesota Power Employees Federal Credit Union | Duluth, MN | $162M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Nova Ua Federal Credit Union | Clifton, NJ | $156M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Power Federal Credit Union | Pueblo, CO | $156M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Priority One Credit Union | Sunrise, FL | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Shoreline Federal Credit Union | Two Rivers, WI | $160M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| South Bay Federal Credit Union | Redondo Beach, CA | $161M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Trailhead Federal Credit Union | Portland, OR | $156M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ukrainian National Federal Credit Union | New York, NY | $155M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wayne-Westland Federal Credit Union | Westland, MI | $161M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.25 among 12 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Harbor Pointe Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Harbor Pointe Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $101K | +$16K | +18.8% |
| Q1 2026 | $85K | −$13K | −13.3% |
| Q4 2025 | $98K | −$8K | −7.5% |
| Q3 2025 | $106K | +$3K | +2.9% |
| Q2 2025 | $103K | +$27K | +35.5% |
| Q1 2025 | $76K | −$8K | −9.5% |
| Q4 2024 | $84K | +$2K | +2.4% |
| Q3 2024 | $82K | +$7K | +9.3% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Harbor Pointe Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Harbor Pointe Federal Credit Union by share.
Amounts from Harbor Pointe Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per month
per item
per item
per item
per item
per year
per year
per year
per year
per year
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Below Minimum Balance | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Early Account Closure Fee (within 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Checking Account (after 1 Year) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement (Effective May 2022) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Excessive Withdrawal Fee (after 6 transfers from savings/month) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Invalid Address Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
| Return Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (Item Cleared) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Fee (Item Returned) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Fee (manual Transfer) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| VISA® Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement Fee expedited delivery | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer | $75Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Certified Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Credit Union Check (cashier’s Check) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Draft (check copy) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay / Zelle® (Classic Checking) | $4Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Bill Pay / Zelle® (Virtual Checking) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Check Deposit: Personal Account | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting (audience not stated, treated as personal) | 1% | Not stated | None |
| Foreign Deposited Item Return Fee | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Check Deposit | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Annual Rent Size 10×10 (audience not stated, treated as personal) | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent Size 3×10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent Size 3×5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent Size 5×10 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent Size 5×5 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | 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 | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Loan Documents Copy Fee | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Mortgage Satisfaction | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Lender Request Payoff | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Lien Release Replacement Fee | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per month
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Below Minimum Balance | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Early Account Closure Fee (within 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Checking Account (after 1 Year) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement (Effective May 2022) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Excessive Withdrawal Fee (after 6 transfers from savings/month) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Invalid Address Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
| Return Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (Item Cleared) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Fee (Item Returned) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Fee (manual Transfer) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| VISA® Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement Fee expedited delivery | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer | $75Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Certified Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Credit Union Check (cashier’s Check) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Draft (check copy) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay / Zelle® (Classic Checking) | $4Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Bill Pay / Zelle® (Virtual Checking) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Check Deposit: Business Account | $0.50 | per item | None |
Cash & Deposit | |||
| Foreign Deposited Item Return Fee | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Check Deposit | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Levy/Garnishment Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Loan Documents Copy Fee | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Mortgage Satisfaction | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Lender Request Payoff | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Lien Release Replacement Fee | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | 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.
Where Harbor Pointe Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 2 states (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Duluth, MN | 3 |
| Brookfield, WI | 1 |
Largest competitors nearby
Local market: St. Louis county, MN, around its headquarters.
| 32 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 21.4% |
| U.S. Bank National Association | 19.6% |
| Park State Bank | 15.5% |
| North Shore Bank of Commerce | 10.2% |
| National Bank of Commerce | 9.4% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.