Verified

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

Community credit union, $1B to $10B

Horizon Federal Credit Union

Spokane Valley, WashingtonCredit UnionSan Francisco Fed districtFees collected Feb 17, 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 balancing/research assistance$15Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=account_research; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Account balancing/research assistance .....................$15.00 / hour" · Source

Inactive account (after 12 months of no activity)$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=dormant_account; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Inactive account (after 12 months of no activity)........ $5.00 / month" · Source

Paper statement fee$5

$2 above the national median

Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=paper_statement; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Paper statement fee ............................................................... $5.00" · Source

Overdraft & NSFVerified

Insufficient funds & Courtesy Pay$29Within the typical range ($20–$30 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=overdraft; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Insufficient funds & Courtesy Pay ..................................... $29.00" · Source
Overdraft transfer fee from eligible accounts………$1.50Below the typical range ($2.50–$5 nationally)
$3.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=od_protection_transfer; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Overdraft transfer fee from eligible accounts………$1.50 / per item" · Source
Returned check fee$25Within the typical range ($25–$32 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=nsf; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Returned check fee ............................................................... $25.00" · Source

ATM & CardVerified

ATM Surcharge (Non-Member)$3.50Above the typical range ($1–$3 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=atm_non_network; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="ATM Surcharge (Non-Member)............................................... $3.50" · Source
Replace/re-issue debit/credit card (per card)$6Within the typical range ($5–$10 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=card_replacement; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Replace/re-issue debit/credit card (per card) ......................... $6.00" · Source

Wire TransfersVerified

Wire transfers, outgoing domestic$15Below the typical range ($20–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=wire_domestic_outgoing; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Wire transfers, outgoing domestic ........................................ $15.00" · Source

Check ServicesVerified

Cashier’s Check$3Within the typical range ($3–$6 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=cashiers_check; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Cashier’s Check............................................................. $3.00 each" · Source
Copies of checks 2 free per month, then$2Within the typical range ($2–$5 nationally)
$1 below the national median
per month · Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=check_image; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Copies of checks.................... 2 free per month, then $2.00" · Source
Stop payments (all items)$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=stop_payment; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Stop payments (all items) ..................................................... $25.00" · Source

Cash & DepositVerified

Cash advance from Visa$3Within the typical range ($3–$10 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=cash_advance; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Cash advance from Visa ..... $3.00 or 3% of transfer (whichever is greater)" · Source

Account ServicesVerified

Drill box fee (if both keys are missing)$145Above the typical range ($25–$80 nationally)
$105 above the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=safe_deposit_box; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Drill box fee (if both keys are missing) ................................ $145.00" · Source
Replacement key$14Below the typical range ($25–$80 nationally)
$26 below the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=safe_deposit_box; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Replacement key .................................................................. $14.00" · Source

Retirement & IRAVerified

IRA termination fee$25Within the typical range ($25–$40 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=ira_termination; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="IRA termination fee .............................................................. $25.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account balancing/research assistance	$15Within the typical range ($15–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=account_research; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Account balancing/research assistance .....................$15.00 / hour"	Source
Inactive account (after 12 months of no activity)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=dormant_account; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Inactive account (after 12 months of no activity)........ $5.00 / month"	Source
Paper statement fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=paper_statement; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Paper statement fee ............................................................... $5.00"	Source
Overdraft & NSFVerified
Insufficient funds & Courtesy Pay	$29Within the typical range ($20–$30 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=overdraft; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Insufficient funds & Courtesy Pay ..................................... $29.00"	Source

ATM & CardVerified
ATM Surcharge (Non-Member)	$3.50Above the typical range ($1–$3 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=atm_non_network; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="ATM Surcharge (Non-Member)............................................... $3.50"	Source
Replace/re-issue debit/credit card (per card)
Wire TransfersVerified
Wire transfers, outgoing domestic	$15Below the typical range ($20–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=wire_domestic_outgoing; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Wire transfers, outgoing domestic ........................................ $15.00"	Source
Check ServicesVerified
Cashier’s Check	$3Within the typical range ($3–$6 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=cashiers_check; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Cashier’s Check............................................................. $3.00 each"	Source

Cash & DepositVerified
Cash advance from Visa	$3Within the typical range ($3–$10 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=cash_advance; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Cash advance from Visa ..... $3.00 or 3% of transfer (whichever is greater)"	Source
Account ServicesVerified
Drill box fee (if both keys are missing)	$145Above the typical range ($25–$80 nationally)	$105 above the national median	—	Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=safe_deposit_box; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="Drill box fee (if both keys are missing) ................................ $145.00"	Source

Retirement & IRAVerified
IRA termination fee	$25Within the typical range ($25–$40 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6605. canonical_hint=ira_termination; text_hash=177dc8f48ba53b143eeb9bd1ceea59ea957ec5dc41b25b58cf53d763424175cc; excerpt="IRA termination fee .............................................................. $25.00"	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

$29

Overdraft fee: $29

Overdraft fee is aligned with the national median

Total fees: 16 — leaner than most institutions

Verified fees

Under review

Assets

$2.0B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$2.0B

Total deposits

$1.6B

Service charge income (year to date)

$2.9M

Fee income ratio

5.0%

Return on assets

0.64%

Financial profile · Pro

Performance from regulator filings

Overdraft transfer fee from eligible accounts………

Copies of checks 2 free per month, then

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

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Based on 20,792 verified fees from 2,117 institutions

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