Har-Co Federal Credit Union

Headquarters: Bel Air, Maryland
Charter: Credit Union
Assets: $286.4M
Fed district: Richmond

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Overdraft (OD)
Har-Co Federal Credit Union: $32
Har-Co Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Har-Co Federal Credit Union: $32
Har-Co Federal Credit Union: $32
U.S. median: no median
Wire Transfer (Domestic Out)
Har-Co Federal Credit Union: $25
Har-Co Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond 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).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 Har-Co Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Membership Within 60 Days of Opening$25
Dormant/Inactive (Monthly)$7
per month
Account Reconcilement (per hour)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft (Paid ACH, Share Draft, Debit Card)$32
Non-Sufficient Funds (Returned ACH)$32
Overdraft Account Transfer (per Share Draft Transfer)$7.50

ATM & Card

ATM/Debit/Credit Card Replacement$8

Wire Transfers

Wire Transfer (Domestic)$25
Wire Transfer (Incoming)$8

Check Services

Official Check (One free per month, then)$7.50
Money Order$2
Stop Payment$30
Temporary Checks (audience not stated, treated as personal)$1
per item · 4 to a page
Temporary Checks (4 to a page)$1
Canadian Check Deposit (per item)$9
per item
Copy of Check$4

Account Services

Garnishment/Levy$100

Retirement & IRA

IRA Transfer Fee$25

Gift & Prepaid Cards

Visa Gift Card$3
Visa Gift Card (audience not stated, treated as personal)$3
per item

Other Fees

Copy of Statement$5
Document Copies (per page)$2
per item
Duplicate Lien Release$30
Returned Loan Payments$15

Fee	Amount	Basis	Note
Account Maintenance
Closed Membership Within 60 Days of Opening	$25	Not stated	None
Dormant/Inactive (Monthly)	$7	per month	None
Account Reconcilement (per hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft (Paid ACH, Share Draft, Debit Card)	$32	Not stated	None
Non-Sufficient Funds (Returned ACH)	$32	Not stated	None
Overdraft Account Transfer (per Share Draft Transfer)	$7.50	Not stated	None
ATM & Card
ATM/Debit/Credit Card Replacement	$8	Not stated	None
Wire Transfers
Wire Transfer (Domestic)	$25	Not stated	None
Wire Transfer (Incoming)	$8	Not stated	None
Check Services
Official Check (One free per month, then)	$7.50	Not stated	None
Money Order	$2	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Checks (audience not stated, treated as personal)	$1	per item	4 to a page
Temporary Checks (4 to a page)	$1	Not stated	None
Canadian Check Deposit (per item)	$9	per item	None
Copy of Check	$4	Not stated	None
Account Services
Garnishment/Levy	$100	Not stated	None
Retirement & IRA
IRA Transfer Fee	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3	Not stated	None
Visa Gift Card (audience not stated, treated as personal)	$3	per item	None
Other Fees
Copy of Statement	$5	Not stated	None
Document Copies (per page)	$2	per item	None
Duplicate Lien Release	$30	Not stated	None
Returned Loan Payments	$15	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 6, 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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