24 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 5, 2026.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 5, 2026
Call-report figures are for Horizons North Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Horizons North Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $101K in Q2 2026, 5.2% above the same quarter a year earlier ($96K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Fee income fell 5.6% from Q3 2025 to Q2 2026, to $101K.
$101K
Horizons North Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Horizons North Federal Credit Union · $136M 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 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Horizons North Federal Credit Union(this institution) | Westminster, CO | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Ed Credit Union | Chambersburg, PA | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Allied Federal Credit Union | Arlington, TX | $138M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aurora Federal Credit Union | Aurora, CO | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Breakwater Federal Credit Union | Houghton, MI | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campbell Federal Credit Union | Maple Shade, NJ | $139M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Coastline Federal Credit Union | Jacksonville, FL | $136M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| County Excellence Federal Credit Union | Roselle Park, NJ | $138M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Delaware State Police Federal Credit Union | Georgetown, DE | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dept Of Labor Federal Credit Union | Washington, DC | $138M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Family First Federal Credit Union | Hapeville, GA | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Finex Federal Credit Union | East Hartford, CT | $134M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Firefighters Federal Credit Union | Onalaska, WI | $133M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Priority Federal Credit Union | Boston, MA | $139M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Healthcare Employees Federal Credit Union | Princeton, NJ | $137M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Systems Federal Credit Union | Falls Church, VA | $135M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Liberty Savings Federal Credit Union | Jersey City, NJ | $135M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members 1St Of Nj Federal Credit Union | Vineland, NJ | $134M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mtcu Federal Credit Union | Midland, TX | $137M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pheple Federal Credit Union | Greensburg, PA | $134M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sunrise Family Federal Credit Union | Bay City, MI | $133M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Health Federal Credit Union | Austin, TX | $134M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The One Federal Credit Union | Meadville, PA | $139M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wailuku Federal Credit Union | Kahului, HI | $135M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Walled Lake Schools Federal Credit Union | Wolverine Lake, MI | $138M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Workmen'S Circle Incorporated Federal Credit Union | Savannah, GA | $135M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its two prices, against a peer median of $5.75 among 10 publishing peers.
Its two checking prices are $5 and $5.
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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Horizons North Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $101K | +$11K | +12.2% |
| Q1 2026 | $90K | −$27K | −23.1% |
| Q4 2025 | $117K | +$10K | +9.3% |
| Q3 2025 | $107K | +$11K | +11.5% |
| Q2 2025 | $96K | −$4K | −4.0% |
| Q1 2025 | $100K | −$11K | −9.9% |
| Q4 2024 | $111K | −$11K | −9.0% |
| Q3 2024 | $122K | +$21K | +20.8% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Horizons North Federal Credit Union’s own schedules, with a source for each figure.
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| 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
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
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