Pacific Horizon Federal Credit Union

Headquarters: Springville, Utah
Charter: Credit Union
Assets: $141.4M
Fed district: San Francisco

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

Source: its fee schedule, read Nov 2, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Pacific Horizon Federal Credit Union: $25
Pacific Horizon Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Pacific Horizon Federal Credit Union: $25
Pacific Horizon Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Pacific Horizon Federal Credit Union: $20
Pacific Horizon Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Among its peers

Pacific Horizon Federal Credit Union · $141M 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 21 states.

Credit unions only
$138M to $144M in assets
Headquartered in 21 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
Pacific Horizon Federal Credit Union(this institution)	Springville, UT	$141M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
1St Ed Credit Union	Chambersburg, PA	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arkansas Best Federal Credit Union	Fort Smith, AR	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Aurora Federal Credit Union	Aurora, CO	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Baptist Health South Florida Federal Credit Union	Miami, FL	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Breakwater Federal Credit Union	Houghton, MI	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Buffalo Metropolitan Federal Credit Union	Buffalo, NY	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Campbell Federal Credit Union	Maple Shade, NJ	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Celco Community Federal Credit Union	Narrows, VA	$144M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Central Missouri Community Federal Credit Union	Warrensburg, MO	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Powered Federal Credit Union	Bear, DE	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Priority Federal Credit Union	Boston, MA	$139M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florida West Coast Federal Credit Union	Brandon, FL	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heart Of Louisiana Federal Credit Union	Pineville, LA	$143M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Indiana State University Federal Credit Union	Terre Haute, IN	$140M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Market USA Federal Credit Union	Laurel, MD	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Alabama Educators Federal Credit Union	Huntsville, AL	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Cascade Federal Credit Union	Eugene, OR	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Quantum Federal Credit Union	Wichita, KS	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
R T P Federal Credit Union	Rtp, NC	$142M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Siskiyou Federal Credit Union	Yreka, CA	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The One Federal Credit Union	Meadville, PA	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Walled Lake Schools Federal Credit Union	Wolverine Lake, MI	$138M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Wcla Federal Credit Union	Olympia, WA	$142M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
West Virginia Federal Credit Union	South Charleston, WV	$142M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Pacific Horizon Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 10 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

Pacific Horizon Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Pacific Horizon Federal C…Peer (equal prices stack)Peer medianInclude 4 outliers ($0, $4, $9, $12.50)Shown past the axis break, not to scale, so the rest of the set has room.

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.

Published fee schedule

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

Account Maintenance

Dormant Account Fee (after 2 years)$5
per month
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $20.00 per hour

Overdraft & NSF

Courtesy Overdraft$25
per item
Returned ACH$25
per item
Returned Draft (check)$25
per item
Overdraft Protection$1

ATM & Card

Visa Replacement$10
per item

Wire Transfers

Wire Fee (outgoing)$20
Wire Fee (incoming)$10

Check Services

Cashier’s Check$1
per item
Stop Payment(s): ACH$5
Temporary Checks$1
per item
Check Copy Deposited Item$5
per item
Check Copy Retrieval (on us)$2
per item

Account Services

Garnishment / Levy$30

Lending Fees

Loan Late Fee$20

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee (after 2 years)	$5	per month	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $20.00 per hour
Overdraft & NSF
Courtesy Overdraft	$25	per item	None
Returned ACH	$25	per item	None
Returned Draft (check)	$25	per item	None
Overdraft Protection	$1	Not stated	None
ATM & Card
Visa Replacement	$10	per item	None
Wire Transfers
Wire Fee (outgoing)	$20	Not stated	None
Wire Fee (incoming)	$10	Not stated	None
Check Services
Cashier’s Check	$1	per item	None
Stop Payment(s): ACH	$5	Not stated	None
Temporary Checks	$1	per item	None
Check Copy Deposited Item	$5	per item	None
Check Copy Retrieval (on us)	$2	per item	None
Account Services
Garnishment / Levy	$30	Not stated	None
Lending Fees
Loan Late Fee	$20	Not stated	None

Correct a fee source

Nov 2, 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

Get an email when Pacific Horizon Federal Credit Union's ach origination changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Pacific Horizon Federal Credit Union: $25
Pacific Horizon Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Pacific Horizon Federal Credit Union: $25
Pacific Horizon Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Pacific Horizon Federal Credit Union: $20
Pacific Horizon Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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

Among its peers

Pacific Horizon Federal Credit Union · $141M 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 21 states.

Credit unions only
$138M to $144M in assets
Headquartered in 21 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
Pacific Horizon Federal Credit Union(this institution)	Springville, UT	$141M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
1St Ed Credit Union	Chambersburg, PA	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arkansas Best Federal Credit Union	Fort Smith, AR	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Aurora Federal Credit Union	Aurora, CO	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Baptist Health South Florida Federal Credit Union	Miami, FL	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Breakwater Federal Credit Union	Houghton, MI	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Buffalo Metropolitan Federal Credit Union	Buffalo, NY	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Campbell Federal Credit Union	Maple Shade, NJ	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Celco Community Federal Credit Union	Narrows, VA	$144M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Central Missouri Community Federal Credit Union	Warrensburg, MO	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Powered Federal Credit Union	Bear, DE	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Priority Federal Credit Union	Boston, MA	$139M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florida West Coast Federal Credit Union	Brandon, FL	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heart Of Louisiana Federal Credit Union	Pineville, LA	$143M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Indiana State University Federal Credit Union	Terre Haute, IN	$140M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Market USA Federal Credit Union	Laurel, MD	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Alabama Educators Federal Credit Union	Huntsville, AL	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Cascade Federal Credit Union	Eugene, OR	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Quantum Federal Credit Union	Wichita, KS	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
R T P Federal Credit Union	Rtp, NC	$142M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Siskiyou Federal Credit Union	Yreka, CA	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The One Federal Credit Union	Meadville, PA	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Walled Lake Schools Federal Credit Union	Wolverine Lake, MI	$138M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Wcla Federal Credit Union	Olympia, WA	$142M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
West Virginia Federal Credit Union	South Charleston, WV	$142M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Pacific Horizon Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 10 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

Pacific Horizon Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Pacific Horizon Federal C…Peer (equal prices stack)Peer medianInclude 4 outliers ($0, $4, $9, $12.50)Shown past the axis break, not to scale, so the rest of the set has room.

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.

Published fee schedule

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

Account Maintenance

Dormant Account Fee (after 2 years)$5
per month
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $20.00 per hour

Overdraft & NSF

Courtesy Overdraft$25
per item
Returned ACH$25
per item
Returned Draft (check)$25
per item
Overdraft Protection$1

ATM & Card

Visa Replacement$10
per item

Wire Transfers

Wire Fee (outgoing)$20
Wire Fee (incoming)$10

Check Services

Cashier’s Check$1
per item
Stop Payment(s): ACH$5
Temporary Checks$1
per item
Check Copy Deposited Item$5
per item
Check Copy Retrieval (on us)$2
per item

Account Services

Garnishment / Levy$30

Lending Fees

Loan Late Fee$20

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee (after 2 years)	$5	per month	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $20.00 per hour
Overdraft & NSF
Courtesy Overdraft	$25	per item	None
Returned ACH	$25	per item	None
Returned Draft (check)	$25	per item	None
Overdraft Protection	$1	Not stated	None
ATM & Card
Visa Replacement	$10	per item	None
Wire Transfers
Wire Fee (outgoing)	$20	Not stated	None
Wire Fee (incoming)	$10	Not stated	None
Check Services
Cashier’s Check	$1	per item	None
Stop Payment(s): ACH	$5	Not stated	None
Temporary Checks	$1	per item	None
Check Copy Deposited Item	$5	per item	None
Check Copy Retrieval (on us)	$2	per item	None
Account Services
Garnishment / Levy	$30	Not stated	None
Lending Fees
Loan Late Fee	$20	Not stated	None

Correct a fee source

Nov 2, 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.