Heartland Federal Credit Union

Headquarters: Inver Grove Heights, Minnesota
Charter: Credit Union
Assets: $172.0M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Oct 20, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 20, 2026

How these figures are measured

Call-report figures are for Heartland Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Heartland Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 20, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Heartland Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $183K in Q2 2026, 5.2% above the same quarter a year earlier ($174K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Monthly Maintenance
Inactive Checking
Can be waived with a balance of $2,500 or more.
Heartland Federal Credit Union: $15
Heartland Federal Credit Union: $15
U.S. median: no median
Overdraft (OD)
Heartland Federal Credit Union: $30
Heartland Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Heartland Federal Credit Union: $30
Heartland Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis 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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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.

Fee income beside fee prices

Fee income rose 1.7% from Q3 2025 to Q2 2026, to $183K.

Fee income, Q2 2026

$183K

$180KQ3 2025

$189KQ4 2025

$166KQ1 2026

$183KQ2 2026

Against the median

Heartland Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Heartland Federal Credit Union · $172M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$168M to $175M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Heartland Federal Credit Union(this institution)	Inver Grove Heights, MN	$172M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1St Gateway Federal Credit Union	Camanche, IA	$171M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Artesia Federal Credit Union	Artesia, NM	$173M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Aspen Federal Credit Union	Rapid City, SD	$173M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caro Federal Credit Union	Columbia, SC	$175M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
E-Central Federal Credit Union	Pasadena, CA	$174M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Excel Federal Credit Union	Norcross, GA	$174M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Federal Credit Union	Hiawatha, IA	$175M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Frick Financial Federal Credit Union	Uniontown, PA	$175M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Greater Woodlawn Federal Credit Union	Blasdell, NY	$168M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
H.P.C. Federal Credit Union	Alpena, MI	$172M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Harborlight Federal Credit Union	Whitehall, MI	$170M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Homefield Federal Credit Union	North Grafton, MA	$170M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Latah Federal Credit Union	Moscow, ID	$170M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mission City Federal Credit Union	Santa Clara, CA	$172M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mountain Laurel Federal Credit Union	Saint Marys, PA	$174M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwoods Federal Credit Union	Cloquet, MN	$175M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nuvista Federal Credit Union	Montrose, CO	$172M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Princeton Federal Credit Union	Princeton, NJ	$169M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Red River Federal Credit Union	Altus, OK	$168M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Santa Cruz Community Federal Credit Union	Santa Cruz, CA	$172M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sentry Federal Credit Union	Stevens Point, WI	$173M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ussco Johnstown Federal Credit Union	Johnstown, PA	$174M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valley Isle Community Federal Credit Union	Kahului, HI	$174M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Vida Federal Credit Union	Ontario, CA	$175M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wolverine State Federal Credit Union	Alpena, MI	$173M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $10.50 (233%) above the median of similar-sized credit unions.

Its published price is $15, against a peer median of $4.50 among 8 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Heartland Federal Credit…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Heartland Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $183K
vs prior quarter: +$17K+10.2%; from Q1 2026
vs a year earlier: +$9K+5.2%; from Q2 2025
vs start of range: +$5K+2.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Heartland Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$183K	+$17K	+10.2%
Q1 2026	$166K	−$23K	−12.2%
Q4 2025	$189K	+$9K	+5.0%
Q3 2025	$180K	+$6K	+3.4%
Q2 2025	$174K	+$1K	+0.6%
Q1 2025	$173K	−$23K	−11.7%
Q4 2024	$196K	+$18K	+10.1%
Q3 2024	$178K	+$9K	+5.3%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Heartland Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee$15
per month
Dormant Membership (dormant for 24 months)$5
per month
Escheatment$5
Inactive membership fee$15
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $25/hour
Paper Statement$2

Overdraft & NSF

Overdraft (Privilege Pay)$30
per item
Overdraft Fee$30
per item
NSF$30
Returned item fee$30
per item

ATM & Card

Lost card replacement$10
per item
Replace Debit Card$10
per item
Replacement Card$10
“Rush” card$30
per item
Rush Debit Card$35
per item
Foreign Transaction Fee1%of the transaction
Foreign/International Transaction Fee (audience not stated, treated as personal)0.9%of the transaction

Wire Transfers

Wire Transfer (Domestic)$25
Wire transfers - domestic outgoing$25
per item
Wire transfers - domestic incoming$5
per item
Wire transfers - international outgoing$70
per item

Check Services

Cashier’s Check: Payable to Other$5
Money orders$2
per item
Stop Payment$30
Stop payment (one item or series)$30
per item
Counter Checks without check order$5
Foreign Check Deposit$15
Foreign item deposit (restrictions apply)$20
per item
Check Copy$5
Copies of sales drafts$5
per item
Photocopy of check$2
per item
Photocopy of check (deposit)$5
per item

Cash & Deposit

Returned Check Deposit$30
Returned deposited or cashed check$30
per item

Account Services

3X5 box (IGH)$40
per year
5x5 box (Oakdale)$40
per year
Drilling fee$150
Not compared: Box drilling or key fee
Emergency Drilling$225
Not compared: Box drilling or key fee
Key replacement$30
Not compared: Box drilling or key fee
Lost Key$30
Not compared: Box drilling or key fee
Safe Deposit Box 10 X 10$120
per year
Safe Deposit Box 10x10$110
per year
Safe Deposit Box 3 X 10$55
per year
Safe Deposit Box 3 X 5$45
per year
Safe Deposit Box 3x10$50
per year
Safe Deposit Box 5 X 10$75
per year
Safe Deposit Box 5x10$70
per year
Standard Drilling$150
Not compared: Box drilling or key fee
Levy$100
per item
Levy/Garnishment$100
Subordination Agreement$200
per item
Subordination Agreement$200

Lending Fees

Late payment$29
Not compared: Monthly charge, not per item
per month
Late payment fee$20
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA Withdrawal or Closure$25
per item

Gift & Prepaid Cards

Visa Gift Cards$3.95
per item

Other Fees

Overnight Delivery$35
Copy of statement$5
per item
Duplicate Lien Release$10
Duplicate Lien Release$10
per item
Duplicate Mortgage Satisfaction$20

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$15	per month	None
Dormant Membership (dormant for 24 months)	$5	per month	None
Escheatment	$5	Not stated	None
Inactive membership fee	$15	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $25/hour
Paper Statement	$2	Not stated	None
Overdraft & NSF
Overdraft (Privilege Pay)	$30	per item	None
Overdraft Fee	$30	per item	None
NSF	$30	Not stated	None
Returned item fee	$30	per item	None
ATM & Card
Lost card replacement	$10	per item	None
Replace Debit Card	$10	per item	None
Replacement Card	$10	Not stated	None
“Rush” card	$30	per item	None
Rush Debit Card	$35	per item	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Foreign/International Transaction Fee (audience not stated, treated as personal)	0.9%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (Domestic)	$25	Not stated	None
Wire transfers - domestic outgoing	$25	per item	None
Wire transfers - domestic incoming	$5	per item	None
Wire transfers - international outgoing	$70	per item	None
Check Services
Cashier’s Check: Payable to Other	$5	Not stated	None
Money orders	$2	per item	None
Stop Payment	$30	Not stated	None
Stop payment (one item or series)	$30	per item	None
Counter Checks without check order	$5	Not stated	None
Foreign Check Deposit	$15	Not stated	None
Foreign item deposit (restrictions apply)	$20	per item	None
Check Copy	$5	Not stated	None
Copies of sales drafts	$5	per item	None
Photocopy of check	$2	per item	None
Photocopy of check (deposit)	$5	per item	None
Cash & Deposit
Returned Check Deposit	$30	Not stated	None
Returned deposited or cashed check	$30	per item	None
Account Services
3X5 box (IGH)	$40	per year	None
5x5 box (Oakdale)	$40	per year	None
Drilling fee	$150Not compared: Box drilling or key fee	Not stated	None
Emergency Drilling	$225Not compared: Box drilling or key fee	Not stated	None
Key replacement	$30Not compared: Box drilling or key fee	Not stated	None
Lost Key	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 X 10	$120	per year	None
Safe Deposit Box 10x10	$110	per year	None
Safe Deposit Box 3 X 10	$55	per year	None
Safe Deposit Box 3 X 5	$45	per year	None
Safe Deposit Box 3x10	$50	per year	None
Safe Deposit Box 5 X 10	$75	per year	None
Safe Deposit Box 5x10	$70	per year	None
Standard Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Levy	$100	per item	None
Levy/Garnishment	$100	Not stated	None
Subordination Agreement	$200	per item	None
Subordination Agreement	$200	Not stated	None
Lending Fees
Late payment	$29Not compared: Monthly charge, not per item	per month	None
Late payment fee	$20Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA Withdrawal or Closure	$25	per item	None
Gift & Prepaid Cards
Visa Gift Cards	$3.95	per item	None
Other Fees
Overnight Delivery	$35	Not stated	None
Copy of statement	$5	per item	None
Duplicate Lien Release	$10	Not stated	None
Duplicate Lien Release	$10	per item	None
Duplicate Mortgage Satisfaction	$20	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 20, 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.

Fee change alerts

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