Horizon Federal Credit Union

Headquarters: Spokane Valley, Washington
Charter: Credit Union
Assets: $2.0B
Fed district: San Francisco

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

Source: its fee schedule, read Oct 10, 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)
Horizon Federal Credit Union: $29
Horizon Federal Credit Union: $29
U.S. median: no median
Wire Transfer (Domestic Out)
Horizon Federal Credit Union: $15
Horizon Federal Credit Union: $15
U.S. median: no median
Stop Payment
Horizon Federal Credit Union: $25
Horizon Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

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.

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).
Washington: Banks and credit unions headquartered in Washington 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.

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Published fee schedule

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

Account Maintenance

Inactive account (after 12 months of no activity)$5
per month
Account balancing/research assistance$15
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee (audience not stated, treated as personal)$5
Return mail fee$5

Overdraft & NSF

Insufficient funds & Courtesy Pay$29
Insufficient funds and Courtesy Pay fee (audience not stated, treated as personal)$29
per item
Overdraft transfer fee from eligible accounts$1.50
per item

ATM & Card

Replace/re-issue debit/credit card (per card)$6
per item

Wire Transfers

Wire transfers, outgoing domestic$15

Check Services

Cashier’s Check$3
per item
Stop payments (all items)$25
Copies of checks 2 free per month, then$2

Cash & Deposit

Returned check fee$25

Account Services

Drill box fee (if both keys are missing) (audience not stated, treated as personal)$145
Not compared: Box drilling or key fee
Replacement key (audience not stated, treated as personal)$14
Not compared: Box drilling or key fee
Safe Deposit Box 10x10x22 (audience not stated, treated as personal)$80
per year
Safe Deposit Box 3x10x22 (audience not stated, treated as personal)$35
per year
Safe Deposit Box 3x5x22 (audience not stated, treated as personal)$20
per year
Safe Deposit Box 5x10x22 (audience not stated, treated as personal)$45
per year
Safe Deposit Box 5x5x22 (audience not stated, treated as personal)$30
per year

Retirement & IRA

IRA termination fee$25

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

Account Maintenance

Inactive account (after 12 months of no activity)$5
per month
Account balancing/research assistance$15
Not compared: Charged per hour; comparison unavailable
per hour
Small Business Savings paper statement fee$5
Return mail fee$5

Overdraft & NSF

Insufficient funds & Courtesy Pay$29
Overdraft transfer fee from eligible accounts$1.50
per item

ATM & Card

Replace/re-issue debit/credit card (per card)$6
per item

Wire Transfers

Wire transfers, outgoing domestic$15

Check Services

Cashier’s Check$3
per item
Stop payments (all items)$25
Copies of checks 2 free per month, then$2

Cash & Deposit

Returned check fee$25

Retirement & IRA

IRA termination fee$25

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

Correct a fee source

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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Fees against the market

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

Overdraft (OD)
Horizon Federal Credit Union: $29
Horizon Federal Credit Union: $29
U.S. median: no median
Wire Transfer (Domestic Out)
Horizon Federal Credit Union: $15
Horizon Federal Credit Union: $15
U.S. median: no median
Stop Payment
Horizon Federal Credit Union: $25
Horizon Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

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).
Washington: Banks and credit unions headquartered in Washington 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.

Published fee schedule

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

Account Maintenance

Inactive account (after 12 months of no activity)$5
per month
Account balancing/research assistance$15
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee (audience not stated, treated as personal)$5
Return mail fee$5

Overdraft & NSF

Insufficient funds & Courtesy Pay$29
Insufficient funds and Courtesy Pay fee (audience not stated, treated as personal)$29
per item
Overdraft transfer fee from eligible accounts$1.50
per item

ATM & Card

Replace/re-issue debit/credit card (per card)$6
per item

Wire Transfers

Wire transfers, outgoing domestic$15

Check Services

Cashier’s Check$3
per item
Stop payments (all items)$25
Copies of checks 2 free per month, then$2

Cash & Deposit

Returned check fee$25

Account Services

Drill box fee (if both keys are missing) (audience not stated, treated as personal)$145
Not compared: Box drilling or key fee
Replacement key (audience not stated, treated as personal)$14
Not compared: Box drilling or key fee
Safe Deposit Box 10x10x22 (audience not stated, treated as personal)$80
per year
Safe Deposit Box 3x10x22 (audience not stated, treated as personal)$35
per year
Safe Deposit Box 3x5x22 (audience not stated, treated as personal)$20
per year
Safe Deposit Box 5x10x22 (audience not stated, treated as personal)$45
per year
Safe Deposit Box 5x5x22 (audience not stated, treated as personal)$30
per year

Retirement & IRA

IRA termination fee$25

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

Account Maintenance

Inactive account (after 12 months of no activity)$5
per month
Account balancing/research assistance$15
Not compared: Charged per hour; comparison unavailable
per hour
Small Business Savings paper statement fee$5
Return mail fee$5

Overdraft & NSF

Insufficient funds & Courtesy Pay$29
Overdraft transfer fee from eligible accounts$1.50
per item

ATM & Card

Replace/re-issue debit/credit card (per card)$6
per item

Wire Transfers

Wire transfers, outgoing domestic$15

Check Services

Cashier’s Check$3
per item
Stop payments (all items)$25
Copies of checks 2 free per month, then$2

Cash & Deposit

Returned check fee$25

Retirement & IRA

IRA termination fee$25

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

Correct a fee source

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.