Heartland Federal Credit Union

Headquarters: Springfield, Illinois
Charter: Credit Union
Assets: $573.7M
Fed district: Chicago

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

Source: its fee schedule, read Oct 30, 2026.

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Fees against the market

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

Overdraft (OD)
Heartland Federal Credit Union: $35
Heartland Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Heartland Federal Credit Union: $1 to $3
Heartland Federal Credit Union: $1 to $3
U.S. median: no median
Wire Transfer (Domestic Out)
Heartland Federal Credit Union: $20
Heartland Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 2026View sources

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

Early Account Closure$5
Inactive Account fee$5
per month
Account Research fee$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research fee | $20.00 per hour
Bad Address fee$1
per month

Overdraft & NSF

Courtesy Pay/NSF fees (audience not stated, treated as personal)$35
Overdraft transfer fee$3

ATM & Card

ATM Fee's$1
ATM transfer fee$3
Card Replacement fee$5

Wire Transfers

Outgoing Wire Transfer Fee: Domestic$20
per item
Incoming Wire Transfer Fee: Domestic$10
per item

Check Services

ACH stop pay fee$15
Stop payment fee$20
Collection Items$15
per item
Copy of Check$2
per item

Digital & Electronic

ACH Origination$10

Account Services

Levy or Garnishment$50

Other Fees

Copy of Statement$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$5	Not stated	None
Inactive Account fee	$5	per month	None
Account Research fee	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research fee \| $20.00 per hour
Bad Address fee	$1	per month	None
Overdraft & NSF
Courtesy Pay/NSF fees (audience not stated, treated as personal)	$35	Not stated	None
Overdraft transfer fee	$3	Not stated	None
ATM & Card
ATM Fee's	$1	Not stated	None
ATM transfer fee	$3	Not stated	None
Card Replacement fee	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer Fee: Domestic	$20	per item	None
Incoming Wire Transfer Fee: Domestic	$10	per item	None
Check Services
ACH stop pay fee	$15	Not stated	None
Stop payment fee	$20	Not stated	None
Collection Items	$15	per item	None
Copy of Check	$2	per item	None
Digital & Electronic
ACH Origination	$10	Not stated	None
Account Services
Levy or Garnishment	$50	Not stated	None
Other Fees
Copy of Statement	$2	per item	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 30, 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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