Horizons North Federal Credit Union

Headquarters: Westminster, Colorado
Charter: Credit Union
Assets: $136.2M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 5, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Horizons North Federal Credit Union: $5
Horizons North Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Horizons North Federal Credit Union: $35
Horizons North Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Horizons North Federal Credit Union: $35
Horizons North Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

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

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Horizons North Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Maintenance Charge (audience not stated, treated as personal)$5
Monthly fee (audience not stated, treated as personal)$5
per month
Early Account Closure (audience not stated, treated as personal)$25
per item
Account Reconciliation Fee (audience not stated, treated as personal)$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee (audience not stated, treated as personal)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (audience not stated, treated as personal)$2
Bad Address Fee$5

Overdraft & NSF

ATM/Debit Card Overdraft Fee (audience not stated, treated as personal)$35
per item
NSF Fee (audience not stated, treated as personal)$35
per item
Overdraft Transfer Fee (audience not stated, treated as personal)$10
per item
Overdraft Transfer Fee (audience not stated, treated as personal)$2
per item

ATM & Card

ATM Card Replacement Fee/per year (audience not stated, treated as personal)$12
Not compared: Annual charge, not per item
per year
Debit Card Replacement Fee/per year (audience not stated, treated as personal)$12
Not compared: Annual charge, not per item
per year
Rush Order Fee (audience not stated, treated as personal)$40
per item

Wire Transfers

Outgoing Wire Transfer fee (audience not stated, treated as personal)$20
International Outgoing Wire Transfer Fee$35
per item

Check Services

ACH Stop Payment Fee (audience not stated, treated as personal)$35
Credit Union Check Stop Payment Fee$35
Stop Payment Fee (audience not stated, treated as personal)$35
per item
Temporary Checks Fee (audience not stated, treated as personal)$2
Non-Member Check Cashing Fee$7
Incoming Collection Item Fee$30
per item
Item Sent for Collection Fee (audience not stated, treated as personal)$20
per item
Check Copy Fee (audience not stated, treated as personal)$5
Online Check Image Fee (audience not stated, treated as personal)No charge

Digital & Electronic

ACH Return Item Fee (audience not stated, treated as personal)$35

Cash & Deposit

Returned Deposit Item Fee$15
Returned Deposit Item Fee$10
Returned Deposit Item Fee - Self to Self (audience not stated, treated as personal)$35

Account Services

Lost Safe Deposit Box Key Fee$100
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$70
per year
Safe Deposit Box 10x10 (audience not stated, treated as personal)$70
per year
Safe Deposit Box 3x10$40
per year
Safe Deposit Box 3x10 (audience not stated, treated as personal)$40
per year
Safe Deposit Box 3x5$30
per year
Safe Deposit Box 3x5 (audience not stated, treated as personal)$30
per year
Safe Deposit Box 5x10$50
per year
Safe Deposit Box 5x10 (audience not stated, treated as personal)$50
per year
Safe Deposit Late Payment Fee 30 Days$10
Not compared: Box drilling or key fee
Garnishment/Levy Fee$50
per item
Loan Subordination Fee (audience not stated, treated as personal)$200
Verification of Deposit Fee$10
per item

Lending Fees

Late Payment Fee$15

Other Fees

Statement Copy Fee (audience not stated, treated as personal)$5
Loan Processing Fee$10
Service Fees - Applicable to All Accounts: Loan Modification Fee (audience not stated, treated as personal)$150
Service Fees - Applicable to All Accounts: Loan Modification Fee$150

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Charge (audience not stated, treated as personal)	$5	Not stated	None
Monthly fee (audience not stated, treated as personal)	$5	per month	None
Early Account Closure (audience not stated, treated as personal)	$25	per item	None
Account Reconciliation Fee (audience not stated, treated as personal)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee (audience not stated, treated as personal)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (audience not stated, treated as personal)	$2	Not stated	None
Bad Address Fee	$5	Not stated	None
Overdraft & NSF
ATM/Debit Card Overdraft Fee (audience not stated, treated as personal)	$35	per item	None
NSF Fee (audience not stated, treated as personal)	$35	per item	None
Overdraft Transfer Fee (audience not stated, treated as personal)	$10	per item	None
Overdraft Transfer Fee (audience not stated, treated as personal)	$2	per item	None
ATM & Card
ATM Card Replacement Fee/per year (audience not stated, treated as personal)	$12Not compared: Annual charge, not per item	per year	None
Debit Card Replacement Fee/per year (audience not stated, treated as personal)	$12Not compared: Annual charge, not per item	per year	None
Rush Order Fee (audience not stated, treated as personal)	$40	per item	None
Wire Transfers
Outgoing Wire Transfer fee (audience not stated, treated as personal)	$20	Not stated	None
International Outgoing Wire Transfer Fee	$35	per item	None
Check Services
ACH Stop Payment Fee (audience not stated, treated as personal)	$35	Not stated	None
Credit Union Check Stop Payment Fee	$35	Not stated	None
Stop Payment Fee (audience not stated, treated as personal)	$35	per item	None
Temporary Checks Fee (audience not stated, treated as personal)	$2	Not stated	None
Non-Member Check Cashing Fee	$7	Not stated	None
Incoming Collection Item Fee	$30	per item	None
Item Sent for Collection Fee (audience not stated, treated as personal)	$20	per item	None
Check Copy Fee (audience not stated, treated as personal)	$5	Not stated	None
Online Check Image Fee (audience not stated, treated as personal)	No charge	Not stated	None
Digital & Electronic
ACH Return Item Fee (audience not stated, treated as personal)	$35	Not stated	None
Cash & Deposit
Returned Deposit Item Fee	$15	Not stated	None
Returned Deposit Item Fee	$10	Not stated	None
Returned Deposit Item Fee - Self to Self (audience not stated, treated as personal)	$35	Not stated	None
Account Services
Lost Safe Deposit Box Key Fee	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$70	per year	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$70	per year	None
Safe Deposit Box 3x10	$40	per year	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box 3x5	$30	per year	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 5x10	$50	per year	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Late Payment Fee 30 Days	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy Fee	$50	per item	None
Loan Subordination Fee (audience not stated, treated as personal)	$200	Not stated	None
Verification of Deposit Fee	$10	per item	None
Lending Fees
Late Payment Fee	$15	Not stated	None
Other Fees
Statement Copy Fee (audience not stated, treated as personal)	$5	Not stated	None
Loan Processing Fee	$10	Not stated	None
Service Fees - Applicable to All Accounts: Loan Modification Fee (audience not stated, treated as personal)	$150	Not stated	None
Service Fees - Applicable to All Accounts: Loan Modification Fee	$150	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

Correct a fee source

Oct 5, 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 Horizons North Federal Credit Union's ach origination changes in our data

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