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, under $300M

H.P.C. Federal Credit Union

Alpena, MichiganCredit UnionChicago Fed districtFees collected Feb 17, 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

Dormant Account Fee (No activity in 18 months)$2Below the typical range ($5–$10 nationally)

Account Research/Reconciliation$10

$7.50 below the national median$8.75 below the Michigan median

Source

Wire TransfersVerified

Wire Transfer – Outgoing$15Below the typical range ($20–$25 nationally)
$10 below the national median$10 below the Michigan median
Source
International Wire Transfer – Outgoing$40Within the typical range ($40–$50 nationally)
$10 below the national median$5 below the Michigan median
Source

Check ServicesVerified

Cashier’s Check Fee$1Below the typical range ($3–$6 nationally)
$4 below the national median$2 below the Michigan median
per item · Source
Money Order Fee$1Below the typical range ($1.50–$3 nationally)
$1 below the national median$1 below the Michigan median
per item · Source

Account ServicesVerified

Garnishment/Levy Fee$25Below the typical range ($30–$90 nationally)
$25 below the national median$25 below the Michigan median
per item · Source

Gift & Prepaid CardsVerified

Visa Gift Card (One Time Use)$3.50Within the typical range ($3–$4.95 nationally)
At the national median$0.50 below the Michigan median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee (No activity in 18 months)	$2Below the typical range ($5–$10 nationally)	$3 below the national median$3 below the Michigan median	per month	—	Source
Account Research/Reconciliation	$10Below the typical range ($12–$25 nationally)	$7.50 below the national median$8.75 below the Michigan median	—	—	Source
Wire TransfersVerified
Wire Transfer – Outgoing	$15Below the typical range ($20–$25 nationally)	$10 below the national median$10 below the Michigan median	—	—	Source
International Wire Transfer – Outgoing	$40
Check ServicesVerified
Cashier’s Check Fee	$1Below the typical range ($3–$6 nationally)	$4 below the national median$2 below the Michigan median	per item	—	Source
Money Order Fee	$1
Account ServicesVerified
Garnishment/Levy Fee	$25Below the typical range ($30–$90 nationally)	$25 below the national median$25 below the Michigan median	per item	—	Source
Gift & Prepaid CardsVerified
Visa Gift Card (One Time Use)	$3.50Within the typical range ($3–$4.95 nationally)	At the national median$0.50 below the Michigan median	per item	—	Source

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Headline fees published

3 of 15

Published fees

Under review

Assets

$171.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$171.9M

Total deposits

$148.0M

Service charge income (year to date)

$41K

Fee income ratio

1.0%

Return on assets

0.81%

Financial profile · Pro

Performance from regulator filings

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