13 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 10, 2026.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 10, 2026
Call-report figures are for Horizon Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Horizon Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $1.4M in Q2 2026, 2.0% below the same quarter a year earlier ($1.5M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Stop Payment
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 7.6% from Q3 2025 to Q2 2026, to $1.4M.
$1.4M
Horizon Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Horizon Federal Credit Union · $2B 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Horizon Federal Credit Union(this institution) | Spokane Valley, WA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alabama Federal Credit Union | Tuscaloosa, AL | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bay Federal Credit Union | Capitola, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caltech Employees Federal Credit Union | La Canada, CA | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Credit Union of America | Wichita, KS | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cyprus Federal Credit Union | West Jordan, UT | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Dupont Community Federal Credit Union | Waynesboro, VA | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Educational Federal Credit Union | Miami, FL | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fibre Federal Credit Union | Longview, WA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Entertainment Federal Credit Union | Hollywood, CA | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honor Federal Credit Union | Berrien Springs, MI | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Indiana University Federal Credit Union | Bloomington, IN | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lafayette Federal Credit Union | Rockville, MD | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Marion And Polk Schools Federal Credit Union | Salem, OR | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monterra Federal Credit Union | Redwood City, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Philadelphia Federal Credit Union | Philadelphia, PA | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Safe Federal Credit Union | Sumter, SC | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Scott Federal Credit Union | Edwardsville, IL | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Self Reliance Ny Federal Credit Union | New York, NY | $2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Srp Federal Credit Union | North Augusta, SC | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Suffolk Federal Credit Union | Medford, NY | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Credit Union, Inc | Lima, OH | $2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Texas Trust Federal Credit Union | Mansfield, TX | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Tyndall Federal Credit Union | Panama City, FL | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westerra Federal Credit Union | Denver, CO | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Whitefish Credit Union Association | Whitefish, MT | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 12 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 Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Horizon Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Horizon Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.4M | −$2K | −0.1% |
| Q1 2026 | $1.4M | −$150K | −9.4% |
| Q4 2025 | $1.6M | +$33K | +2.1% |
| Q3 2025 | $1.6M | +$90K | +6.1% |
| Q2 2025 | $1.5M | +$141K | +10.6% |
| Q1 2025 | $1.3M | −$206K | −13.4% |
| Q4 2024 | $1.5M | +$189K | +14.1% |
| Q3 2024 | $1.3M | −$140K | −9.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Horizon Federal Credit Union’s own schedules, with a source for each figure.
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive account (after 12 months of no activity) | $5 | per month | None |
| Account balancing/research assistance | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement fee (audience not stated, treated as personal) | $5 | Not stated | None |
| Return mail fee | $5 | Not stated | None |
Overdraft & NSF | |||
| Insufficient funds & Courtesy Pay | $29 | Not stated | None |
| Insufficient funds and Courtesy Pay fee (audience not stated, treated as personal) | $29 | per item | None |
| Overdraft transfer fee from eligible accounts | $1.50 | per item | None |
ATM & Card | |||
| Replace/re-issue debit/credit card (per card) | $6 | per item | None |
Wire Transfers | |||
| Wire transfers, outgoing domestic | $15 | Not stated | None |
Check Services | |||
| Cashier’s Check | $3 | per item | None |
| Stop payments (all items) | $25 | Not stated | None |
| Copies of checks 2 free per month, then | $2 | Not stated | None |
Cash & Deposit | |||
| Returned check fee | $25 | Not stated | None |
Account Services | |||
| Drill box fee (if both keys are missing) (audience not stated, treated as personal) | $145Not compared: Box drilling or key fee | Not stated | None |
| Replacement key (audience not stated, treated as personal) | $14Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10x22 (audience not stated, treated as personal) | $80 | per year | None |
| Safe Deposit Box 3x10x22 (audience not stated, treated as personal) | $35 | per year | None |
| Safe Deposit Box 3x5x22 (audience not stated, treated as personal) | $20 | per year | None |
| Safe Deposit Box 5x10x22 (audience not stated, treated as personal) | $45 | per year | None |
| Safe Deposit Box 5x5x22 (audience not stated, treated as personal) | $30 | per year | None |
Retirement & IRA | |||
| IRA termination fee | $25 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive account (after 12 months of no activity) | $5 | per month | None |
| Account balancing/research assistance | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Small Business Savings paper statement fee | $5 | Not stated | None |
| Return mail fee | $5 | Not stated | None |
Overdraft & NSF | |||
| Insufficient funds & Courtesy Pay | $29 | Not stated | None |
| Overdraft transfer fee from eligible accounts | $1.50 | per item | None |
ATM & Card | |||
| Replace/re-issue debit/credit card (per card) | $6 | per item | None |
Wire Transfers | |||
| Wire transfers, outgoing domestic | $15 | Not stated | None |
Check Services | |||
| Cashier’s Check | $3 | per item | None |
| Stop payments (all items) | $25 | Not stated | None |
| Copies of checks 2 free per month, then | $2 | Not stated | None |
Cash & Deposit | |||
| Returned check fee | $25 | Not stated | None |
Retirement & IRA | |||
| IRA termination fee | $25 | Not stated | None |
Oct 10, 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
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