Alcoa Tenn Federal Credit Union

Headquarters: Alcoa, Tennessee
Charter: Credit Union
Assets: $426.9M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 30, 2026.

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Fees against the market

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

Overdraft (OD)
Alcoa Tenn Federal Credit Union: $32
Alcoa Tenn Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Alcoa Tenn Federal Credit Union: $32
Alcoa Tenn Federal Credit Union: $32
U.S. median: no median
Wire Transfer (Domestic Out)
Alcoa Tenn Federal Credit Union: $25
Alcoa Tenn 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 30, 2026View sources

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

Account Maintenance

Account Research/Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Locator Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$32
per item
Return Item Fee (Draft/Check or Electronic ATM, ACH, Debit Card, etc.)$32
per item

ATM & Card

Debit Card Replacement Fee$10
Debit Card Rush Fee$15

Wire Transfers

Wire Transfer–Outgoing per transfer$25
per item
Wire Transfer–Incoming per transfer$15
per item

Check Services

Cashier's Checks–Member (audience not stated, treated as personal)$4
Cashier's Checks–Non Member$15
Stop Payment-Range of Items$32
Stop Payment-Single Item$32
Temporary Checks (4)$1
Photocopy of Check$3
per item

Digital & Electronic

Remote Transfer Manual ACH Return$32
per item
Online Access Internet Bill PayNo charge

Cash & Deposit

Deposited Item Return$15
per item

Account Services

Notary Public/Signature GuaranteeNo charge
Drilling of Box$200
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10x10$85
per year
Safe Deposit Box 3x10$45
per year
Safe Deposit Box 3x5$35
per year
Safe Deposit Box 5x10$65
per year
Legal Processes (garnishments, levies, etc)$100
Verification of Deposit$20

Lending Fees

Late Payment Fee$25

Other Fees

Credit Card Document Copy$3
Not compared: Charged per document; comparison unavailable
per document
Credit Card Statement Copy$3
Statement Copy$2

Fee	Amount	Basis	Note
Account Maintenance
Account Research/Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Locator Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$32	per item	None
Return Item Fee (Draft/Check or Electronic ATM, ACH, Debit Card, etc.)	$32	per item	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Debit Card Rush Fee	$15	Not stated	None
Wire Transfers
Wire Transfer–Outgoing per transfer	$25	per item	None
Wire Transfer–Incoming per transfer	$15	per item	None
Check Services
Cashier's Checks–Member (audience not stated, treated as personal)	$4	Not stated	None
Cashier's Checks–Non Member	$15	Not stated	None
Stop Payment-Range of Items	$32	Not stated	None
Stop Payment-Single Item	$32	Not stated	None
Temporary Checks (4)	$1	Not stated	None
Photocopy of Check	$3	per item	None
Digital & Electronic
Remote Transfer Manual ACH Return	$32	per item	None
Online Access Internet Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposited Item Return	$15	per item	None
Account Services
Notary Public/Signature Guarantee	No charge	Not stated	None
Drilling of Box	$200Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10x10	$85	per year	None
Safe Deposit Box 3x10	$45	per year	None
Safe Deposit Box 3x5	$35	per year	None
Safe Deposit Box 5x10	$65	per year	None
Legal Processes (garnishments, levies, etc)	$100	Not stated	None
Verification of Deposit	$20	Not stated	None
Lending Fees
Late Payment Fee	$25	Not stated	None
Other Fees
Credit Card Document Copy	$3Not compared: Charged per document; comparison unavailable	per document	None
Credit Card Statement Copy	$3	Not stated	None
Statement Copy	$2	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 30, 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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