Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Pacific Horizon Federal Credit Union

Springville, UtahCredit UnionSan Francisco Fed districtFees collected Oct 7, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account Fee (after 2 years)$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Courtesy Overdraft$25Within the typical range ($25–$33 nationally)
$5 below the national medianAt the Utah median
per item · Source
Returned ACH$25Within the typical range ($25–$32 nationally)
$5 below the national medianAt the Utah median
per item · Source
Overdraft Protection$1Below the typical range ($2.50–$5 nationally)
$4 below the national median$1.75 below the Utah median
Source

Wire TransfersVerified

Wire Fee (outgoing)$20Within the typical range ($20–$25 nationally)
$5 below the national medianAt the Utah median
Source
Wire Fee (incoming)$10Within the typical range ($5–$15 nationally)
At the national median$5 above the Utah median
Source

Check ServicesVerified

Cashier’s Check$1Below the typical range ($3–$6 nationally)
$4 below the national medianAt the Utah median
per item · Source
Stop Payment(s): ACH$5Below the typical range ($20–$30 nationally)
$22.50 below the national median$10 below the Utah median
Source
Temporary Checks$1Within the typical range ($1–$4 nationally)
$1 below the national medianAt the Utah median
per item · Source
Check Copy Deposited Item$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Utah median
per item · Source
Check Copy Retrieval (on us)$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the Utah median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee (after 2 years)	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Utah median	per month	—	Source
Account Research	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$5 above the Utah median	—	—	Source
Overdraft & NSFVerified
Courtesy Overdraft	$25Within the typical range ($25–$33 nationally)	$5 below the national medianAt the Utah median	per item	—	Source
Returned ACH	$25
ATM & CardVerified
Visa Replacement	$10Within the typical range ($5–$10 nationally)	At the national median$5 above the Utah median	per item	—	Source
Wire TransfersVerified
Wire Fee (outgoing)	$20Within the typical range ($20–$25 nationally)	$5 below the national medianAt the Utah median	—	—	Source
Wire Fee (incoming)	$10
Check ServicesVerified
Cashier’s Check	$1Below the typical range ($3–$6 nationally)	$4 below the national medianAt the Utah median	per item	—	Source
Stop Payment(s): ACH	$5
Account ServicesVerified
Garnishment / Levy	$30Within the typical range ($30–$87.50 nationally)	$20 below the national medianAt the Utah median	—	—	Source
Lending FeesVerified
Loan Late Fee	$20Within the typical range ($10–$25 nationally)	At the national medianAt the Utah median	—	—	Source

Fee change alerts

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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

17% below the national median overdraft fee

15 verified fees collected

Headline fees published

8 of 15

Published 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

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,356 published fee entries from 3,591 institutions

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