Heartland Federal Credit Union

Headquarters: Hutchinson, Kansas
Charter: Credit Union
Assets: $726.4M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $6, the middle of its prices
Heartland Federal Credit Union: $4 to $10
Heartland Federal Credit Union: $4 to $10
U.S. median: no median
Bill Pay & Zelle
Heartland Federal Credit Union: No fee
Heartland Federal Credit Union: No fee
U.S. median: no median
Non-Network ATM
Heartland Federal Credit Union: Not identified
Heartland Federal Credit Union: Not identified
U.S. median: no median

Fee not identified in the reviewed schedule. A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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

Account Maintenance

Beyond Essential monthly fee$6
per month
Beyond Essential Spending account service charge$6
Beyond Freedom monthly fee$4
per month
Beyond Freedom Spending account service charge$4
Beyond Ultimate Spending account service charge$10
per month

Digital & Electronic

Unlimited Bill PayNo charge

Lending Fees

Late payment fee5%

Fee	Amount	Basis	Note
Account Maintenance
Beyond Essential monthly fee	$6	per month	None
Beyond Essential Spending account service charge	$6	Not stated	None
Beyond Freedom monthly fee	$4	per month	None
Beyond Freedom Spending account service charge	$4	Not stated	None
Beyond Ultimate Spending account service charge	$10	per month	None
Digital & Electronic
Unlimited Bill Pay	No charge	Not stated	None
Lending Fees
Late payment fee	5%	Not stated	None

Correct a fee source

Oct 11, 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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