Check a Bank's Fees Against the Market

Credit Union · Oak Ridge, TN

Y-12 Federal Credit Union

Compared with Tennessee medians

1 of 5

main fees above the median

NSF / returned item: $0.50 above the TN median2 below, 2 about the same

See the account terms All 40 fees

Its main fees against Tennessee and the U.S.

Monthly MaintenanceEveryday Checking $0 · High Yield Checking $5$0 to $5depending on accountTN median $6 (audience not stated, treated as personal)50 in TNU.S. median $7 (audience not stated, treated as personal)1,899 in U.S.vs TN median -$3.50Compared at $2.50, the middle of its two prices

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Overdraft (OD)$32$3269 in TN$302,604 in U.S.About the same

U.S.

Tennessee banks and credit unions, 69 institutions: median $32 (audience not stated, treated as personal), middle 50% $30 to $35.

U.S. banks and credit unions, 2,604 institutions: median $30 (audience not stated, treated as personal), middle 50% $25 to $33.

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NSF / Returned Item$32$31.5076 in TN$302,859 in U.S.+$0.50

U.S.

Tennessee banks and credit unions, 76 institutions: median $31.50 (audience not stated, treated as personal), middle 50% $30 to $35.

U.S. banks and credit unions, 2,859 institutions: median $30 (audience not stated, treated as personal), middle 50% $25 to $32.

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Non-Network ATM$1$134 in TN$1.501,651 in U.S.About the same

U.S.

Tennessee banks and credit unions, 34 institutions: median $1 (audience not stated, treated as personal), middle 50% $1 to $2.

U.S. banks and credit unions, 1,651 institutions: median $1.50 (audience not stated, treated as personal), middle 50% $1 to $2.

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Wire Transfer (Domestic Out)$15$2055 in TN$252,634 in U.S.-$5

U.S.

Tennessee banks and credit unions, 55 institutions: median $20 (audience not stated, treated as personal), middle 50% $17.50 to $25.

U.S. banks and credit unions, 2,634 institutions: median $25 (audience not stated, treated as personal), middle 50% $20 to $25.

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Source: Y-12 Federal Credit Union's own published fee schedule, collected Oct 16, 2026. State medians count every bank and credit union headquartered in Tennessee that publishes the fee, the group the Tennessee page and this institution's profile use. U.S. medians count every U.S. bank and credit union that publishes it. A median needs at least 5 institutions. Medians as of Nov 8, 2026. Methodology

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Y-12 Federal Credit Union

Its main fees against Tennessee and the U.S.

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