ATM/Debit Card Overdraft Fee$35Above the typical range ($25–$32 nationally)
$5 above the national median
per item · Source
each subsequent card) | Overdraft Transfer Fee$2Below the typical range ($3–$5 nationally)
$3 below the national median
Source
NSF Fee$35Above the typical range ($25–$31 nationally)
$5 above the national median
per item · Source
Overdraft Transfer Fee$10Above the typical range ($3–$5 nationally)
$5 above the national median
Source

ATM & CardVerified

Debit Card Replacement Fee/per year$12Above the typical range ($5–$10 nationally)
$2 above the national median
per year · Source

Wire TransfersVerified

International Outgoing Wire Transfer Fee$35Below the typical range ($40–$50 nationally)
$15 below the national median
Source
Outgoing Wire Transfer fee$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

ACH Stop Payment Fee$35Above the typical range ($20–$30 nationally)
$10 above the national median
Source
Check Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Non-Member Check Cashing Fee$7Within the typical range ($5–$10 nationally)
$2 above the national median
per month · Source
Online Check Image Fee$0Below the typical range ($2–$5 nationally)
$3 below the national median
Source
Stop Payment Fee$35Above the typical range ($20–$30 nationally)
$10 above the national median
per item · Source
Temporary Checks Fee$2Within the typical range ($1–$4 nationally)
At the national median
Source

Digital & ElectronicVerified

ACH Return Item Fee$35Above the typical range ($20–$30 nationally)
$7.75 above the national median
Source

Cash & DepositVerified

Returned Deposit Item Fee$15Within the typical range ($10–$25 nationally)
At the national median
Source
Returned Deposit Item Fee$10Within the typical range ($10–$25 nationally)
$5 below the national median
Source
Returned Deposit Item Fee - Self to Self$35Above the typical range ($10–$25 nationally)
$20 above the national median
Source

Account ServicesVerified

10x10$70Within the typical range ($25–$80 nationally)
$25 above the national median
per year · Source
3x10$40Within the typical range ($25–$80 nationally)
$5 below the national median
per year · Source
3x5$30Within the typical range ($25–$80 nationally)
$15 below the national median
per year · Source
5x10$50Within the typical range ($25–$80 nationally)
$5 above the national median
per year · Source
Garnishment/Levy Fee$50Within the typical range ($30–$75 nationally)
At the national median
per item · Source
Loan Subordination Fee$200Above the typical range ($35–$150 nationally)
$100 above the national median
Source
Lost Safe Deposit Box Key Fee$100Above the typical range ($25–$80 nationally)
$55 above the national median
Source
Verification of Deposit Fee$10Within the typical range ($10–$15 nationally)
At the national median
Source

Lending FeesVerified

Late Payment Fee$15Within the typical range ($15–$25 nationally)
$7.50 below the national median
Source

Mortgage ServicingVerified

Service Fees - Applicable to All Accounts | Loan Modification Fee$150Within the typical range ($35–$250 nationally)
$100 above the national median
Source

Other FeesVerified

Loan Processing Fee$10Below the typical range ($20–$36.88 nationally)
$18.25 below the national median
per year · Source
Statement Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
(Account closed within first 90 days)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	per item	—	Source
Account Reconciliation Fee	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Club Early Withdrawal Fee	$15Within the typical range ($10–$25 nationally)	At the national median	per year	—	Source
Maintenance Charge	$5Within the typical range ($3–$10 nationally)	$1 below the national median	—	—	Source
monthly fee for	$5Within the typical range ($3–$10 nationally)	$1 below the national median	per month	—	Source
Monthly Statement FREE eStatement	$5Above the typical range ($0–$2 nationally)	$5 above the national median	per month	—	Source
Paper Statement Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	—	Source
Overdraft & NSFVerified
ATM/Debit Card Overdraft Fee	$35Above the typical range ($25–$32 nationally)	$5 above the national median	per item	—	Source
each subsequent card) \| Overdraft Transfer Fee	$2
ATM & CardVerified
Debit Card Replacement Fee/per year	$12Above the typical range ($5–$10 nationally)	$2 above the national median	per year	—	Source
Wire TransfersVerified
International Outgoing Wire Transfer Fee	$35Below the typical range ($40–$50 nationally)	$15 below the national median	—	—	Source
Outgoing Wire Transfer fee	$20
Check ServicesVerified
ACH Stop Payment Fee	$35Above the typical range ($20–$30 nationally)	$10 above the national median	—	—	Source
Check Copy Fee	$5
Digital & ElectronicVerified
ACH Return Item Fee	$35Above the typical range ($20–$30 nationally)	$7.75 above the national median	—	—	Source
Cash & DepositVerified
Returned Deposit Item Fee	$15Within the typical range ($10–$25 nationally)	At the national median	—	—	Source
Returned Deposit Item Fee	$10
Account ServicesVerified
10x10	$70Within the typical range ($25–$80 nationally)	$25 above the national median	per year	—	Source
3x10	$40
Lending FeesVerified
Late Payment Fee	$15Within the typical range ($15–$25 nationally)	$7.50 below the national median	—	—	Source
Mortgage ServicingVerified
Service Fees - Applicable to All Accounts \| Loan Modification Fee	$150Within the typical range ($35–$250 nationally)	$100 above the national median	—	—	Source
Other FeesVerified
Loan Processing Fee	$10Below the typical range ($20–$36.88 nationally)	$18.25 below the national median	per year	—	Source
Statement Copy Fee	$5

Fee change alerts

Get an email when Horizons North Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Horizons North Federal Credit Union? Benchmark it against peers, free

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: 36

Headline fees published

10 of 15

Published fees

Under review

Assets

$136.2M

Work at Horizons North Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. Priced on request: we reply within one business day with scope and price.

Request the report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$136.2M

Total deposits

$125.1M

Service charge income (year to date)

$191K

Fee income ratio

5.0%

Return on assets

0.73%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 32,718 verified fees from 2,439 institutions

See pricing