Horizon Federal Credit Union

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

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

Source: its fee schedule, read Nov 3, 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: $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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Among its peers

Horizon Federal Credit Union · $60M 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 18 states.

Credit unions only
$59M to $61M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Horizon Federal Credit Union(this institution)	Kingsport, TN	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Acclaim Federal Credit Union	Greensboro, NC	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American Lake Federal Credit Union	Lakewood, WA	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Buffalo Conrail Federal Credit Union	Cheektowaga, NY	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
C C S E Federal Credit Union	Salamanca, NY	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Pioneers Federal Credit Union	Lafayette, LA	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gratiot Community Federal Credit Union	Alma, MI	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Green River Area Federal Credit Union	Owensboro, KY	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Horizon Federal Credit Union	Macon, MO	$59M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Jackson Area Federal Credit Union	Jackson, MS	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lm Federal Credit Union	Baltimore, MD	$60M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Loco Federal Credit Union	Alamogordo, NM	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Loudoun Credit Union	Leesburg, VA	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merho Federal Credit Union	Johnstown, PA	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Metco Federal Credit Union	Cedar Rapids, IA	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mill Town Federal Credit Union	Everett, WA	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mohave Community Federal Credit Union	Kingman, AZ	$61M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Motion Federal Credit Union	Linden, NJ	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Century Federal Credit Union	Joliet, IL	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Nordstrom Federal Credit Union	Everett, WA	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Promedica Federal Credit Union	Toledo, OH	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Remington Federal Credit Union	Ilion, NY	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Rt Federal Credit Union	Rome, NY	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
San Juan Mountains Federal Credit Union	Montrose, CO	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Summit Federal Credit Union	Akron, OH	$59M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
University Of Louisiana Federal Credit Union	Lafayette, LA	$61M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Horizon Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 11 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 26, 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.

Horizon Federal Credit Un…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Horizon Federal Credit Union's nsf / returned item changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

Horizon Federal Credit Union · $60M 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 18 states.

Credit unions only
$59M to $61M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Horizon Federal Credit Union(this institution)	Kingsport, TN	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Acclaim Federal Credit Union	Greensboro, NC	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American Lake Federal Credit Union	Lakewood, WA	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Buffalo Conrail Federal Credit Union	Cheektowaga, NY	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
C C S E Federal Credit Union	Salamanca, NY	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Pioneers Federal Credit Union	Lafayette, LA	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gratiot Community Federal Credit Union	Alma, MI	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Green River Area Federal Credit Union	Owensboro, KY	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Horizon Federal Credit Union	Macon, MO	$59M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Jackson Area Federal Credit Union	Jackson, MS	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lm Federal Credit Union	Baltimore, MD	$60M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Loco Federal Credit Union	Alamogordo, NM	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Loudoun Credit Union	Leesburg, VA	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merho Federal Credit Union	Johnstown, PA	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Metco Federal Credit Union	Cedar Rapids, IA	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mill Town Federal Credit Union	Everett, WA	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mohave Community Federal Credit Union	Kingman, AZ	$61M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Motion Federal Credit Union	Linden, NJ	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Century Federal Credit Union	Joliet, IL	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Nordstrom Federal Credit Union	Everett, WA	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Promedica Federal Credit Union	Toledo, OH	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Remington Federal Credit Union	Ilion, NY	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Rt Federal Credit Union	Rome, NY	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
San Juan Mountains Federal Credit Union	Montrose, CO	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Summit Federal Credit Union	Akron, OH	$59M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
University Of Louisiana Federal Credit Union	Lafayette, LA	$61M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Horizon Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 11 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 26, 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.

Horizon Federal Credit Un…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.