Compared with Tennessee
6 of 21
compared fees are above the median.
10 below, 5 about the same.
About the same: within 1% of the median.
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
16th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Tennessee median
of 21 compared; 10 below, 5 about the same
See the feesFee schedule read Oct 23, 2026
Call-report figures are for Tennessee Valley 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) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Tennessee median | Published fees above the Tennessee median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Tennessee Valley Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 23, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.5% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (16th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $2.0M in Q2 2026, 33% above the same quarter a year earlier ($1.5M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 21 compared published fees sit above the Tennessee median; 10 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Tennessee medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Compared at $7, the middle of its prices
NSF / Returned Item
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.
Fee income rose 24% from Q3 2025 to Q2 2026, to $2.0M. Its share of revenue, 3.5%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$2.0M
Tennessee Valley Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $15; we compare the midpoint.
Tennessee Valley Federal Credit Union · $3.3B 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Tennessee Valley Federal Credit Union(this institution) | Chattanooga, TN | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Achieva Credit Union | Dunedin, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Altra Federal Credit Union | Onalaska, WI | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arkansas Federal Credit Union | Little Rock, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arrowhead Federal Credit Union | Rancho Cucamonga, CA | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| California Coast Federal Credit Union | San Diego, CA | $3.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Chartway Federal Credit Union | Virginia Beach, VA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Civic Federal Credit Union | Raleigh, NC | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coastal1 Federal Credit Union | Pawtucket, RI | $3.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community First Credit Union of Flo | Jacksonville, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eastrise Federal Credit Union | Williston, VT | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eglin Federal Credit Union | Fort Walton Beach, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Elevations Federal Credit Union | Boulder, CO | $3.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| F & A Federal Credit Union | Monterey Park, CA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Community Federal Credit Union | Houston, TX | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gte Federal Credit Union | Tampa, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Harborstone Federal Credit Union | Tacoma, WA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Metro Federal Credit Union | Chelsea, MA | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier America Federal Credit Union | Chatsworth, CA | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Provident Federal Credit Union | Redwood City, CA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rivermark Community Federal Credit Union | Oregon City, OR | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Selco Community Federal Credit Union | Springfield, OR | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sound Federal Credit Union | Tacoma, WA | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Three Rivers Federal Credit Union | Fort Wayne, IN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Usalliance Federal Credit Union | Rye, NY | $3.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Whatcom Educational Federal Credit Union | Bellingham, WA | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7, the middle of its eight prices, against a peer median of $5 among 13 publishing peers.
Its eight checking prices are $0, $4, $6, $7, $7, $8, $10 and $15.
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 30, 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Tennessee Valley 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 | $2.0M | +$288K | +17.2% |
| Q1 2026 | $1.7M | −$19K | −1.1% |
| Q4 2025 | $1.7M | +$105K | +6.6% |
| Q3 2025 | $1.6M | +$110K | +7.4% |
| Q2 2025 | $1.5M | +$108K | +7.9% |
| Q1 2025 | $1.4M | −$1.7M | −55.8% |
| Q4 2024 | $3.1M | +$111K | +3.7% |
| Q3 2024 | $3.0M | +$187K | +6.7% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Tennessee Valley Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Tennessee Valley Federal Credit Union by share.
Amounts from Tennessee Valley Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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per month · Avoid the $15 monthly service fee by maintaining a minimum balance of $2,500
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | Avoid the $15 monthly service fee by maintaining a minimum balance of $2,500 |
| Rewards Checking Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Seniors Choice Checking Monthly service charge | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Address (per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account (per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research (per hour, minimum, plus copy charges) | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address (per year) | $5Not compared: Annual charge, not monthly | per year | None |
Overdraft & NSF | |||
| Courtesy Pay Service | $9Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Nonsufficient Funds (per each returned item) | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Transactions (withdrawal, transfer) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement ATM Card | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Visa® Debit Card | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Visa® Debit Card | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Foreign Wire Transfers - Outgoing (member-originated) | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Foreign Wire Transfers - Incoming (If through First Horizon with SWIFT code) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Foreign Wire Transfers - Incoming (straight to TVFCU, no SWIFT code) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks (each) | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier Checks (each) | $4Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders & Cashiers Checks | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (each) | $4Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Orders & Cashiers Checks | No chargeBelow the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders & Cashiers Checks | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $34Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter/Temporary/Starter Checks (four checks per page) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (per check) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Cashing (per check) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copies of Checks (per copy) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilling Fee | $130Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10" X 10" Box (Annual Fee) (audience not stated, treated as personal) | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" X 10" Box (Annual Fee) (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" X 5" Box (Annual Fee) (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5" X 10" Box (Annual Fee) (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 7" X 10" Box (Annual Fee) (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Legal Process Fee | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| Early Closing of IRA (within first year of opening) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copies of Statements/Transaction History (per copy) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copies of Visa® Debit Card Receipts | $10Above the U.S. middle 50% ($2 to $5 nationally) | 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 23, 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.
Where Tennessee Valley Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
30 offices in 2 states (June 30, 2026)
Each dot is one office.
4 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Chattanooga, TN | 9 |
| Cleveland, TN | 3 |
| Ooltewah, TN | 2 |
| Ringgold, GA | 2 |
| Athens, TN | 1 |
| Chatsworth, GA | 1 |
| Chickamauga, GA | 1 |
| Dalton, GA | 1 |
Largest competitors nearby
Local market: Hamilton county, TN, around its headquarters.
| 36 in its local market | Deposit share |
|---|---|
| First Horizon Bank | 20.8% |
| Pinnacle Bank | 20.5% |
| Truist Bank | 15.5% |
| Regions Bank | 12.9% |
| Bank of America, National Association | 5.6% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.