Compared with Minnesota
11 of 25
compared fees are above the median.
7 below, 7 about the same.
About the same: within 1% of the median.
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
49th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 25 compared; 7 below, 7 about the same
See the feesFee schedule read Oct 20, 2026
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) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Minnesota median | Published fees above the Minnesota 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
Fee income was 7.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (49th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
11 of 25 compared published fees sit above the Minnesota median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Minnesota medians for fees published by banks and credit unions.
Monthly Maintenance
Inactive Checking
Can be waived with a balance of $2,500 or more.
Overdraft (OD)
NSF / Returned Item
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.
Fee income rose 1.7% from Q3 2025 to Q2 2026, to $183K. Its share of revenue, 7.0%, is below the 7.2% median for credit unions with under $300M in assets.
$183K
Heartland Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Heartland Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Heartland Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Heartland Federal Credit Union by share.
Amounts from Heartland Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Membership (dormant for 24 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive membership fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $25/hour |
| Paper Statement | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (Privilege Pay) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned item fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Lost card replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replace Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| “Rush” card | $30Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Rush Debit Card | $35Inside the U.S. middle 50% ($30 to $50 nationally) | 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) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfers - domestic outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire transfers - domestic incoming | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire transfers - international outgoing | $70Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check: Payable to Other | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment (one item or series) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks without check order | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Check Deposit | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign item deposit (restrictions apply) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copies of sales drafts | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopy of check | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopy of check (deposit) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Check Deposit | $30Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Returned deposited or cashed check | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| 3X5 box (IGH) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5x5 box (Oakdale) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | 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 | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10x10 | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 X 10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 X 5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 X 10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Standard Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Levy | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Levy/Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subordination Agreement | $200Above the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Subordination Agreement | $200Above the U.S. middle 50% ($50 to $150 nationally) | 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 | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Overnight Delivery | $35Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Copy of statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Lien Release | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Duplicate Lien Release | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Duplicate Mortgage Satisfaction | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
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.
Where Heartland Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Arden Hills, MN | 1 |
| Hugo, MN | 1 |
| Inver Grove Heights, MN | 1 |
| New Prague, MN | 1 |
Largest competitors nearby
Local market: Dakota county, MN, around its headquarters.
| 48 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 25.2% |
| U.S. Bank National Association | 16.1% |
| Old National Bank | 10% |
| Vermillion State Bank | 8.1% |
| The Huntington National Bank | 7.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.