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

Horizon Federal Credit Union

Kingsport, TennesseeCredit UnionAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

Courtesy Pay Fee$35Above the typical range ($25–$32 nationally)

ATM & CardVerified

All other ATM usage is considered “Foreign” and will be assessed$2Within the typical range ($1–$2.50 nationally)
$0.25 above the national median
per transaction · Source
Replace a Visa Debit Card$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Foreign Incoming Wire$50Above the typical range ($10–$25 nationally)
$30 above the national median
Source
Foreign Outgoing Wire$50Within the typical range ($40–$50 nationally)
At the national median
Source
Incoming Wire Transfers$10Within the typical range ($5–$15 nationally)
At the national median
Source
Outgoing Wire Transfer$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

Certified Check$5Within the typical range ($3–$6 nationally)
At the national median
Source
Copy of Share Draft$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Money Order$0.50Below the typical range ($1.50–$3 nationally)
$1.50 below the national median
Source
Stop Payment$10Below the typical range ($20–$30 nationally)
$16 below the national median
per item · Source

Cash & DepositVerified

Returned Deposited Check Fee$25Within the typical range ($10–$25 nationally)
$10 above the national median
Knox extract.rules v20 categorized a line held for review from Rosetta artifact #2344. canonical_hint=deposited_item_return; text_hash=2b78bd1e5ee75f8c65dd7a5a7a7eb8b3db544ee7623b3228033d69e04aef51fc; excerpt="Returned Deposited Check Fee | $25.00" · Source
Returned Deposited Item$20Within the typical range ($10–$25 nationally)
$5 above the national median
Source

Other FeesVerified

Copy of Statement$1Below the typical range ($2–$5 nationally)
$2 below the national median
Source
Skip A Payment Fee (Not Available on Mortgages)$50Above the typical range ($22.50–$35 nationally)
$21 above the national median
Knox extract.rules v20 categorized a line held for review from Rosetta artifact #2344. canonical_hint=other_lending_fee; text_hash=2b78bd1e5ee75f8c65dd7a5a7a7eb8b3db544ee7623b3228033d69e04aef51fc; excerpt="Skip A Payment Fee (Not Available on Mortgages) | $50.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$35Above the typical range ($25–$32 nationally)	$5 above the national median	—	Knox extract.rules v20 categorized a line held for review from Rosetta artifact #2344. canonical_hint=overdraft; text_hash=2b78bd1e5ee75f8c65dd7a5a7a7eb8b3db544ee7623b3228033d69e04aef51fc; excerpt="Courtesy Pay Fee \| $35.00"	Source
Returned Check Fee	$25Within the typical range ($25–$31 nationally)	$5 below the national median	—	Knox extract.rules v20 categorized a line held for review from Rosetta artifact #2344. canonical_hint=nsf; text_hash=2b78bd1e5ee75f8c65dd7a5a7a7eb8b3db544ee7623b3228033d69e04aef51fc; excerpt="Returned Check Fee \| $25.00"	Source
Returned Non-Sufficient Share Draft	$35Above the typical range ($25–$31 nationally)	$5 above the national median	—	—	Source
ATM & CardVerified
All other ATM usage is considered “Foreign” and will be assessed	$2Within the typical range ($1–$2.50 nationally)	$0.25 above the national median	per transaction	—	Source
Replace a Visa Debit Card	$10
Wire TransfersVerified
Foreign Incoming Wire	$50Above the typical range ($10–$25 nationally)	$30 above the national median	—	—	Source
Foreign Outgoing Wire	$50
Check ServicesVerified
Certified Check	$5Within the typical range ($3–$6 nationally)	At the national median	—	—	Source
Copy of Share Draft	$5
Cash & DepositVerified
Returned Deposited Check Fee	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox extract.rules v20 categorized a line held for review from Rosetta artifact #2344. canonical_hint=deposited_item_return; text_hash=2b78bd1e5ee75f8c65dd7a5a7a7eb8b3db544ee7623b3228033d69e04aef51fc; excerpt="Returned Deposited Check Fee \| $25.00"	Source
Returned Deposited Item
Lending FeesVerified
Late Payment Fee	$25Within the typical range ($15–$25 nationally)	$3 above the national median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Card or Travel Money Card	$3Within the typical range ($3–$4.50 nationally)	$0.50 below the national median	—	—	Source
Other FeesVerified
Copy of Statement	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source
Skip A Payment Fee (Not Available on Mortgages)	$50

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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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 19 — leaner than most institutions

Headline fees published

10 of 15

Published fees

Under review

Assets

$60.2M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$60.2M

Total deposits

$53.8M

Service charge income (year to date)

$388K

Fee income ratio

21.2%

Return on assets

0.69%

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, and SEC filings

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Based on 46,469 published fee entries from 2,884 institutions

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