Heartland Federal Credit Union

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

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

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

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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.

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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.

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