vs. U.S. typical range:LowerTypicalHigher
$10 below the national median$10 below the North Dakota median
$5 below the national median$4.98 below the North Dakota median
$5 above the national median$5 above the North Dakota median
$25 below the national median$18.75 below the North Dakota median
$25 below the national median$5 below the North Dakota median
—
$22.50 below the national median$15 below the North Dakota median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Overdraft & NSFVerified | |||||
| Clearing Fee | a.k.a. Overdraft fee - charged when we pay a draft (check) or ACH (automatic clearing house) item that ov | $20Below the typical range ($25–$33 nationally) | $10 below the national median$10 below the North Dakota median | — | — | Source |
| Return Item | $25Within the typical range ($25–$32 nationally) | $5 below the national median$4.98 below the North Dakota median | — | — | Source |
Check ServicesVerified | |||||
| Cashier Check (Non-Member) | $10Above the typical range ($3–$6 nationally) | $5 above the national median$5 above the North Dakota median | — | — | Source |
Account ServicesVerified | |||||
| Safe Deposit Box Key Replacement | $20Below the typical range ($30–$70 nationally) | $25 below the national median$18.75 below the North Dakota median | — | — | Source |
| Garnishments/Levy | $25 | ||||
Lending FeesVerified | |||||
| Loan Late Charge | 1%($15 minimum, $30 maximum) | — | — | — | Source |
Vehicle & TitleVerified | |||||
| Loan Application | Fee charged for processing loan application. Does not include extra processing costs such as UCC fili | $30Within the typical range ($15–$49.34 nationally) | $5 above the national median | — | — | Source |
Other FeesVerified | |||||
| New to HCU - Loan Extension Fee | $15Below the typical range ($25–$100 nationally) | $22.50 below the national median$15 below the North Dakota median | — | — | Source |
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$20
Headline fees published
3 of 15
Published fees
7
Under review
0
Assets
$223.1M
Work at Hometown Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$223.1M
Total deposits
$182.0M
Service charge income (year to date)
$112K
Fee income ratio
1.7%
Return on assets
1.43%
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $25 below the national median$5 below the North Dakota median |
| — |
| — |
| Source |