Homeland Federal Credit Union

Headquarters: Chillicothe, Ohio
Charter: Credit Union
Assets: $624.2M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Overdraft (OD)
Homeland Federal Credit Union: $25
Homeland Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Homeland Federal Credit Union: $25
Homeland Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Homeland Federal Credit Union: $1
Homeland Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 Homeland Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum balance fee$5
Early closure fee$5
Escheatment fee$35
Escheatment Fee$35
Fee for a dormant account$3
per month
Account reconciliation fee$10
Not compared: Annual charge, not per item
per year
Account research fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statement Fee$3
Excess withdrawal fee$14
per item

Overdraft & NSF

Overdraft Privilege Standard or Extended Coverage$25
per item
Paid NSF fee$25
NSF Fee$25
per item

ATM & Card

ATM transaction fee this dividend period. (Members using ATMs we do not own or operate) (audience not stated, treated as personal)$1
per transaction
Plastic card replacement fee$10
Visa International Service Assessment Fee1%

Check Services

Stop payment order fee$25
Stop-payment order (preauthorized payments)$25
per item
Starter check fee$3
Foreign check fee$20
Foreign Check Fee$25
per item
Bill Pay check copy fee$10
Check Image/Copy$6
Draft copy fee$3

Account Services

Replacement Key for Safe Deposit Box$20
Not compared: Box drilling or key fee
Garnishment requests on member accounts$25

Other Fees

Fax Fee$3
Statement copy fee$5
Not compared: Monthly charge, not per item
per month
Skip-a-Pay$15

Fee	Amount	Basis	Note
Account Maintenance
Minimum balance fee	$5	Not stated	None
Early closure fee	$5	Not stated	None
Escheatment fee	$35	Not stated	None
Escheatment Fee	$35	Not stated	None
Fee for a dormant account	$3	per month	None
Account reconciliation fee	$10Not compared: Annual charge, not per item	per year	None
Account research fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statement Fee	$3	Not stated	None
Excess withdrawal fee	$14	per item	None
Overdraft & NSF
Overdraft Privilege Standard or Extended Coverage	$25	per item	None
Paid NSF fee	$25	Not stated	None
NSF Fee	$25	per item	None
ATM & Card
ATM transaction fee this dividend period. (Members using ATMs we do not own or operate) (audience not stated, treated as personal)	$1	per transaction	None
Plastic card replacement fee	$10	Not stated	None
Visa International Service Assessment Fee	1%	Not stated	None
Check Services
Stop payment order fee	$25	Not stated	None
Stop-payment order (preauthorized payments)	$25	per item	None
Starter check fee	$3	Not stated	None
Foreign check fee	$20	Not stated	None
Foreign Check Fee	$25	per item	None
Bill Pay check copy fee	$10	Not stated	None
Check Image/Copy	$6	Not stated	None
Draft copy fee	$3	Not stated	None
Account Services
Replacement Key for Safe Deposit Box	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment requests on member accounts	$25	Not stated	None
Other Fees
Fax Fee	$3	Not stated	None
Statement copy fee	$5Not compared: Monthly charge, not per item	per month	None
Skip-a-Pay	$15	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

Correct a fee source

Oct 9, 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.

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