Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Pacific Horizon Federal Credit Union

Springville, UtahCredit UnionSan Francisco Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$20Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=account_research; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Account Research | $20.00 per hour" · Source

Dormant Account Fee (after 2 years)$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=dormant_account; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Dormant Account Fee (after 2 years) | $5.00 per month" · Source

Overdraft & NSFVerified

Courtesy Overdraft$25Within the typical range ($7.81–$30 nationally)
$2.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=overdraft; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Courtesy Overdraft | $25.00 per item" · Source
Overdraft Protection$1Below the typical range ($7.81–$30 nationally)
$21.50 below the national median
Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=overdraft; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Overdraft Protection | $1.00 per $100.00" · Source

ATM & CardVerified

Visa Replacement$10Within the typical range ($5–$12 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=card_replacement; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Visa Replacement | $10.00 per card" · Source

Wire TransfersVerified

Wire Fee (incoming)$10Within the typical range ($10–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=wire_domestic_incoming; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Wire Fee (incoming) | $10.00" · Source
Wire Fee (outgoing)$20Within the typical range ($20–$30 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=wire_domestic_outgoing; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Wire Fee (outgoing) | $20.00" · Source

Check ServicesVerified

Check Copy Deposited Item$5Within the typical range ($2.25–$5 nationally)
$1.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=check_image; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Check Copy Deposited Item | $5.00 per check" · Source

Digital & ElectronicVerified

ACH$5Below the typical range ($8–$25 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=ach_return; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="ACH | $5.00 load + $20.00 return" · Source

Account ServicesVerified

Garnishment / Levy$30Within the typical range ($30–$100 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=garnishment_levy; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Garnishment / Levy | $30.00" · Source

Lending FeesVerified

Loan Late Fee$20Within the typical range ($15–$28.38 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=late_payment; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Loan Late Fee | $20.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$20Within the typical range ($15–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=account_research; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Account Research \| $20.00 per hour"	Source
Dormant Account Fee (after 2 years)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=dormant_account; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Dormant Account Fee (after 2 years) \| $5.00 per month"	Source
Overdraft & NSFVerified
Courtesy Overdraft	$25Within the typical range ($7.81–$30 nationally)	$2.50 above the national median	per item	Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=overdraft; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Courtesy Overdraft \| $25.00 per item"	Source
Overdraft Protection	$1
ATM & CardVerified
Visa Replacement	$10Within the typical range ($5–$12 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=card_replacement; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Visa Replacement \| $10.00 per card"	Source
Wire TransfersVerified
Wire Fee (incoming)	$10Within the typical range ($10–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=wire_domestic_incoming; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Wire Fee (incoming) \| $10.00"	Source
Wire Fee (outgoing)	$20
Check ServicesVerified
Check Copy Deposited Item	$5Within the typical range ($2.25–$5 nationally)	$1.50 above the national median	per item	Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=check_image; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Check Copy Deposited Item \| $5.00 per check"	Source
Digital & ElectronicVerified
ACH	$5Below the typical range ($8–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=ach_return; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="ACH \| $5.00 load + $20.00 return"	Source
Account ServicesVerified
Garnishment / Levy	$30Within the typical range ($30–$100 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=garnishment_levy; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Garnishment / Levy \| $30.00"	Source
Lending FeesVerified
Loan Late Fee	$20Within the typical range ($15–$28.38 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2296. canonical_hint=late_payment; text_hash=f27240eee33b3fc95c43381b3d0ae69db76e05df64183ae269390001a825d0e5; excerpt="Loan Late Fee \| $20.00"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$25

Overdraft fee: $25

11% above the national median overdraft fee

Total fees: 11 — leaner than most institutions

Verified fees

Under review

Assets

$141.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$141.4M

Total deposits

$127.7M

Service charge income (year to date)

$272K

Fee income ratio

6.2%

Return on assets

0.95%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 57 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 6,610 verified fees from 1,539 institutions

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