Compared with Washington
3 of 13
compared fees are above the median.
5 below, 5 about the same.
About the same: within 1% of the median.
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
30th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Washington median
of 13 compared; 5 below, 5 about the same
See the feesFee 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) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Washington median | Published fees above the Washington 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 5.0% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (30th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
3 of 13 compared published fees sit above the Washington median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Washington medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Stop Payment
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. Its share of revenue, 5.0%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$1.4M
Horizon Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Horizon Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Horizon Federal Credit Union by share.
Amounts from Horizon Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
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) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Return mail fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient funds & Courtesy Pay | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Insufficient funds and Courtesy Pay fee (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft transfer fee from eligible accounts | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replace/re-issue debit/credit card (per card) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfers, outgoing domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payments (all items) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copies of checks 2 free per month, then | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned check fee | $25Inside the U.S. middle 50% ($9 to $25 nationally) | 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) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10x22 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5x22 (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10x22 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5x22 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Retirement & IRA | |||
| IRA termination fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive account (after 12 months of no activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient funds & Courtesy Pay | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft transfer fee from eligible accounts | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replace/re-issue debit/credit card (per card) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfers, outgoing domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payments (all items) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copies of checks 2 free per month, then | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned check fee | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA termination fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | 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.
Where Horizon Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
29 offices in 4 states (June 30, 2026)
Hover a state for its office count.
Cities with the most offices
| Boise, ID | 4 |
| Spokane Valley, WA | 4 |
| Great Falls, MT | 2 |
| Meridian, ID | 2 |
| Missoula, MT | 2 |
| Spokane, WA | 2 |
| Bozeman, MT | 1 |
| Butte, MT | 1 |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.