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, $300M to $1B

Heartland Federal Credit Union

Hutchinson, KansasCredit UnionKansas City Fed districtFees collected Apr 22, 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

Beyond Essential Spending account service charge$6Within the typical range ($4–$10 nationally)

Check ServicesVerified

Members not meeting the above criteria will be subject to a check cashing fee of approved checks at the rate of$3Below the typical range ($5–$10 nationally)
$2 below the national median$2 below the Kansas median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Beyond Essential Spending account service charge	$6Within the typical range ($4–$10 nationally)	At the national median$0.02 above the Kansas median	—	—	Source
Beyond Freedom Spending account service charge	$4Within the typical range ($4–$10 nationally)	$2 below the national median$1.98 below the Kansas median	—	—	Source
Beyond Ultimate Spending account service charge	$10Within the typical range ($4–$10 nationally)	$4 above the national median$4.02 above the Kansas median	per month	—	Source
Overdraft & NSFVerified
Item paid in overdraft fee (Courtesy Pay)	$0Below the typical range ($25–$33 nationally)	$30 below the national median$27 below the Kansas median	—	—	Source
Check ServicesVerified
Members not meeting the above criteria will be subject to a check cashing fee of approved checks at the rate of	$3Below the typical range ($5–$10 nationally)	$2 below the national median$2 below the Kansas median	—	—	Source
Digital & ElectronicVerified
Unlimited Bill Pay	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national median$2.23 below the Kansas median	—	—	Source
Cash & DepositVerified
Visa cash advance fee	$2Within the typical range ($2–$10 nationally)	$3 below the national median$3 below the Kansas median	—	—	Source
Lending FeesVerified
Late payment fee	5%	—	—	—	Source

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Headline fees published

2 of 15

Published fees

Under review

Assets

$726.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$726.4M

Total deposits

$598.8M

Service charge income (year to date)

$1.4M

Fee income ratio

4.3%

Return on assets

2.43%

Financial profile · Pro

Performance from regulator filings

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