Horizon Federal Credit Union

Headquarters: Macon, Missouri
Charter: Credit Union
Assets: $58.8M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 25, 2026.

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Fees against the market

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

Monthly Maintenance
Horizon Federal Credit Union: No fee
Horizon Federal Credit Union: No fee
U.S. median: no median
NSF / Returned Item
Horizon Federal Credit Union: $15
Horizon Federal Credit Union: $15
U.S. median: no median
Wire Transfer (Domestic Out)
Horizon Federal Credit Union: $17
Horizon Federal Credit Union: $17
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 2026View sources

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

Account Maintenance

Monthly service charge per accountNo charge
per month
Inactive account fee (charged quarterly)$5
Not compared: Quarterly charge, not monthly
per quarter
Account balancing assistance (1 hour min)$10
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address$5

Overdraft & NSF

Nonsufficient funds item (return check charge)$15

ATM & Card

Replacement Debit Card or Credit Card$5

Wire Transfers

Wire Transfer (Domestic)$17
Wire Transfer (Incoming)No charge
Wire Transfer (International)$45

Check Services

Cashier’s Checks (free with checking account)$5
Money Orders (free with checking account)$1
Stop payments (all items)$20
Stop payments (consecutive check numbers)$25
Copy of share draft$1

Digital & Electronic

ACH Origination$10
Mobile Check Deposit(per item)No charge
per item

Cash & Deposit

Return Deposit Item (drawn on members account at another institution)$15
Return Deposit Item (from another party)$5

Other Fees

Copy of monthly statement ($3.00 maximum per month)$1
per item
Duplicate Lien Release$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge per account	No charge	per month	None
Inactive account fee (charged quarterly)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Account balancing assistance (1 hour min)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address	$5	Not stated	None
Overdraft & NSF
Nonsufficient funds item (return check charge)	$15	Not stated	None
ATM & Card
Replacement Debit Card or Credit Card	$5	Not stated	None
Wire Transfers
Wire Transfer (Domestic)	$17	Not stated	None
Wire Transfer (Incoming)	No charge	Not stated	None
Wire Transfer (International)	$45	Not stated	None
Check Services
Cashier’s Checks (free with checking account)	$5	Not stated	None
Money Orders (free with checking account)	$1	Not stated	None
Stop payments (all items)	$20	Not stated	None
Stop payments (consecutive check numbers)	$25	Not stated	None
Copy of share draft	$1	Not stated	None
Digital & Electronic
ACH Origination	$10	Not stated	None
Mobile Check Deposit(per item)	No charge	per item	None
Cash & Deposit
Return Deposit Item (drawn on members account at another institution)	$15	Not stated	None
Return Deposit Item (from another party)	$5	Not stated	None
Other Fees
Copy of monthly statement ($3.00 maximum per month)	$1	per item	None
Duplicate Lien Release	$5	Not stated	None

Correct a fee source

Oct 25, 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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