Iowa Heartland Federal Credit Union

Headquarters: Mason City, Iowa
Charter: Credit Union
Assets: $30.3M
Fed district: Chicago
Regulator: NCUA

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

Source: its fee schedule, read Nov 2, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Iowa Heartland 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Iowa Heartland Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Iowa Heartland Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $11K in Q2 2026, 15% below the same quarter a year earlier ($13K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Overdraft (OD)
Iowa Heartland Federal Credit Union: $43
Iowa Heartland Federal Credit Union: $43
U.S. median: no median
NSF / Returned Item
Iowa Heartland Federal Credit Union: $23
Iowa Heartland Federal Credit Union: $23
U.S. median: no median
Non-Network ATM
Iowa Heartland Federal Credit Union: $1
Iowa Heartland Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago 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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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.

Fee income beside fee prices

Fee income fell 90% from Q3 2025 to Q2 2026, to $11K.

Fee income, Q2 2026

$11K

$115KQ3 2025

-$79KQ4 2025

$11KQ1 2026

$11KQ2 2026

Against the median

Iowa Heartland Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Iowa Heartland Federal Credit Union · $30M 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 17 states.

Credit unions only
$30M to $31M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Iowa Heartland Federal Credit Union(this institution)	Mason City, IA	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Alcon Employees Federal Credit Union	Fort Worth, TX	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bakersfield City Employees Federal Credit Union	Bakersfield, CA	$30M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cincinnati Interagency Federal Credit Union	Cincinnati, OH	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Financial Services Federal Credit Union	Roselle, NJ	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cusa Federal Credit Union	Covington, LA	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
De Soto Mo Pac Federal Credit Union	De Soto, MO	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Elca Federal Credit Union	Chicago, IL	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ferko Md Federal Credit Union	Frederick, MD	$30M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Financial Health Federal Credit Union	Indianapolis, IN	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Area Federal Credit Union	Lewistown, PA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gates Chili Federal Credit Union	Rochester, NY	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gha Federal Credit Union	Greenwich, CT	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Huntington C & O Railway Employees Federal Credit Union	Huntington, WV	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
I B E W 26 Federal Credit Union	Lanham, MD	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Kenowa Community Federal Credit Union	Wyoming, MI	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Leominster Employees Federal Credit Union	Leominster, MA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Manville Area Federal Credit Union	Manville, NJ	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Pinpoint Federal Credit Union	Milton, PA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Postal Family Federal Credit Union	Fargo, ND	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sun Pacific Federal Credit Union	Richmond, CA	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Community Federal Credit Union	Kingsville, TX	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
United Energy Federal Credit Union	Humble, TX	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Federal Credit Union	Tyler, TX	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valwood Park Federal Credit Union	Carrollton, TX	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Walton County Teachers Federal Credit Union	Defuniak Springs, FL	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Iowa Heartland Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $4 among 10 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 Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Iowa Heartland Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Iowa Heartland Federal Cr…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Iowa Heartland Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $11K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$2K−15.4%; from Q2 2025
vs start of range: −$10K−47.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Iowa Heartland Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$11K	$0	0.0%
Q1 2026	$11K	+$90K
Q4 2025	-$79K	−$194K
Q3 2025	$115K	+$102K	+784.6%
Q2 2025	$13K	−$2K	−13.3%
Q1 2025	$15K	+$4K	+36.4%
Q4 2024	$11K	−$10K	−47.6%
Q3 2024	$21K	−$2K	−8.7%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Checking Plus (Under $500)$5
per month
Research Fee (Min of $20)$20

Overdraft & NSF

NSF Overdraft$43
ACH/EFT Returns for NSF$23
ATM/Debit Card Return for NSF$23
Returned Check for NSF$23

ATM & Card

ATM $ W/D (Over 10 per Month)$1
per item
ATM/Debit Replacement Card$20

Check Services

Money Orders ($1,000 Max)$3
Money Orders (Non-Members)$5
Stop Payment$15
Stop Payment on Debit Card Transaction$25
Photocopy of Check$5.35

Digital & Electronic

Bill Payer Autocash (ACH/EFT)$1
per month

Cash & Deposit

Cash Advance for Loan Payment$5

Fee	Amount	Basis	Note
Account Maintenance
Checking Plus (Under $500)	$5	per month	None
Research Fee (Min of $20)	$20	Not stated	None
Overdraft & NSF
NSF Overdraft	$43	Not stated	None
ACH/EFT Returns for NSF	$23	Not stated	None
ATM/Debit Card Return for NSF	$23	Not stated	None
Returned Check for NSF	$23	Not stated	None
ATM & Card
ATM $ W/D (Over 10 per Month)	$1	per item	None
ATM/Debit Replacement Card	$20	Not stated	None
Check Services
Money Orders ($1,000 Max)	$3	Not stated	None
Money Orders (Non-Members)	$5	Not stated	None
Stop Payment	$15	Not stated	None
Stop Payment on Debit Card Transaction	$25	Not stated	None
Photocopy of Check	$5.35	Not stated	None
Digital & Electronic
Bill Payer Autocash (ACH/EFT)	$1	per month	None
Cash & Deposit
Cash Advance for Loan Payment	$5	Not stated	None

Correct a fee source

Nov 2, 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 Iowa Heartland Federal Credit Union's foreign transaction changes in our data

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