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

Iowa Heartland Federal Credit Union

Mason City, IowaCredit UnionChicago Fed districtFees collected Oct 6, 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

RESEARCH FEE (MIN OF $20)$20Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

NSF OVERDRAFT$43Above the typical range ($25–$32 nationally)
$13 above the national median
Source
RETURNED CHECK FOR NSF$23Below the typical range ($25–$31.50 nationally)
$7 below the national median
Source

ATM & CardVerified

ATM $ W/D (OVER 10 PER MONTH)$1Within the typical range ($1–$2.50 nationally)
$0.95 below the national median
per month · Source
ATM/DEBIT REPLACEMENT CARD$20Above the typical range ($5–$10 nationally)
$10 above the national median
Source

Check ServicesVerified

MONEY ORDERS (NON-MEMBERS)$5Above the typical range ($1.63–$3 nationally)
$3 above the national median
Source
PHOTOCOPY OF CHECK$5.35Above the typical range ($2–$5 nationally)
$2.35 above the national median
Source
STOP PAYMENT$15Below the typical range ($20–$30 nationally)
$12 below the national median
Source
STOP PAYMENT ON DEBIT CARD TRANSACTION$25Within the typical range ($20–$30 nationally)
$2 below the national median
Source

Cash & DepositVerified

CASH ADVANCE FOR LOAN PAYMENT$5Within the typical range ($3–$10 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
RESEARCH FEE (MIN OF $20)	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Overdraft & NSFVerified
NSF OVERDRAFT	$43Above the typical range ($25–$32 nationally)	$13 above the national median	—	—	Source
RETURNED CHECK FOR NSF	$23Below the typical range ($25–$31.50 nationally)
ATM & CardVerified
ATM $ W/D (OVER 10 PER MONTH)	$1Within the typical range ($1–$2.50 nationally)	$0.95 below the national median	per month	—	Source
ATM/DEBIT REPLACEMENT CARD	$20
Check ServicesVerified
MONEY ORDERS (NON-MEMBERS)	$5Above the typical range ($1.63–$3 nationally)	$3 above the national median	—	—	Source
PHOTOCOPY OF CHECK	$5.35
Cash & DepositVerified
CASH ADVANCE FOR LOAN PAYMENT	$5Within the typical range ($3–$10 nationally)	At the national median	—	—	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

$43

Overdraft fee: $43

43% above the national median overdraft fee

Total fees: 10 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$30.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$30.3M

Total deposits

$25.0M

Service charge income (year to date)

$22K

Fee income ratio

4.0%

Return on assets

-0.37%

Financial profile · Pro

Performance from regulator filings

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