Horizon Federal Credit Union

Headquarters: Kingsport, Tennessee
Charter: Credit Union
Assets: $60.2M
Fed district: Atlanta

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

Source: its fee schedule, read Nov 3, 2026.

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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: $35
Horizon Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Horizon Federal Credit Union: $35
Horizon Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Horizon Federal Credit Union: $2
Horizon Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta 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).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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

Car Fax Fee$30

Overdraft & NSF

Courtesy Pay Fee$35
Returned ACH/EFT Item$35
Returned Non-Sufficient Share Draft$35

ATM & Card

Non-Network ATM$2
per transaction
Replace a Visa Debit Card$10
per item

Wire Transfers

Outgoing Wire Transfer$20
Incoming Wire Transfers$10
Foreign Outgoing Wire$50
Foreign Incoming Wire$50

Check Services

Cashier’s Check$5
Certified Check$5
Money Order$0.50
Stop Payment$10
per item
Copy of Share Draft$5

Cash & Deposit

Returned Deposited Check Fee$25
Returned Deposited Item$20

Lending Fees

Late Payment Fee$25

Gift & Prepaid Cards

Visa Gift Card or Travel Money Card$3
per item

Other Fees

Copy of Statement$1
Not compared: Charged per page; comparison unavailable
per page
Skip A Payment Fee (Not Available on Mortgages)$50

Fee	Amount	Basis	Note
Account Maintenance
Car Fax Fee	$30	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$35	Not stated	None
Returned ACH/EFT Item	$35	Not stated	None
Returned Non-Sufficient Share Draft	$35	Not stated	None
ATM & Card
Non-Network ATM	$2	per transaction	None
Replace a Visa Debit Card	$10	per item	None
Wire Transfers
Outgoing Wire Transfer	$20	Not stated	None
Incoming Wire Transfers	$10	Not stated	None
Foreign Outgoing Wire	$50	Not stated	None
Foreign Incoming Wire	$50	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Certified Check	$5	Not stated	None
Money Order	$0.50	Not stated	None
Stop Payment	$10	per item	None
Copy of Share Draft	$5	Not stated	None
Cash & Deposit
Returned Deposited Check Fee	$25	Not stated	None
Returned Deposited Item	$20	Not stated	None
Lending Fees
Late Payment Fee	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card or Travel Money Card	$3	per item	None
Other Fees
Copy of Statement	$1Not compared: Charged per page; comparison unavailable	per page	None
Skip A Payment Fee (Not Available on Mortgages)	$50	Not stated	None

Correct a fee source

Nov 3, 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.

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