Tennessee Valley Federal Credit Union

Headquarters: Chattanooga, Tennessee
Charter: Credit Union
Assets: $3.3B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 23, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $7, the middle of its prices
Tennessee Valley Federal Credit Union: $0 to $15
Tennessee Valley Federal Credit Union: $0 to $15
U.S. median: no median
Overdraft (OD)
Tennessee Valley Federal Credit Union: $9
Tennessee Valley Federal Credit Union: $9
U.S. median: no median
NSF / Returned Item
Tennessee Valley Federal Credit Union: No fee
Tennessee Valley Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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 Tennessee Valley Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$7
per month
Monthly service charge$10
per month
Monthly service charge$7
per month
Monthly service charge$8
per month
Monthly service charge$6
per month
Monthly service fee$15
per month · Avoid the $15 monthly service fee by maintaining a minimum balance of $2,500
Rewards Checking Monthly Service ChargeNo charge
per month
Seniors Choice Checking Monthly service charge$4
per month
Dormant Address (per month)$5
per month
Inactive Account (per month)$5
per month
Research (per hour, minimum, plus copy charges)$10
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address (per year)$5
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

Courtesy Pay Service$9
Nonsufficient Funds (per each returned item)No charge

ATM & Card

Foreign ATM Transactions (withdrawal, transfer)$1
Replacement ATM Card$7
Replacement Visa® Debit CardNo charge
Replacement Visa® Debit Card$7

Wire Transfers

Foreign Wire Transfers - Outgoing (member-originated)$55
Foreign Wire Transfers - Incoming (If through First Horizon with SWIFT code)$15
Foreign Wire Transfers - Incoming (straight to TVFCU, no SWIFT code)$10

Check Services

Cashier Checks (each)No charge
Cashier Checks (each)$4
per item
Money Orders & Cashiers Checks$4
Money Orders (each)$4
per item
Money Orders & Cashiers ChecksNo charge
Money Orders & Cashiers Checks$4
Stop Payment$34
Counter/Temporary/Starter Checks (four checks per page)$1
per item
Check Cashing (per check)$5
per item
Check Cashing (per check)No charge
per item
Copies of Checks (per copy)$2
per item

Digital & Electronic

Online Bill PayNo charge

Account Services

Notary ServiceNo charge
Drilling Fee$130
Not compared: Box drilling or key fee
Safe Deposit Box 10" X 10" Box (Annual Fee) (audience not stated, treated as personal)$90
per year
Safe Deposit Box 3" X 10" Box (Annual Fee) (audience not stated, treated as personal)$50
per year
Safe Deposit Box 3" X 5" Box (Annual Fee) (audience not stated, treated as personal)$40
per year
Safe Deposit Box 5" X 10" Box (Annual Fee) (audience not stated, treated as personal)$60
per year
Safe Deposit Box 7" X 10" Box (Annual Fee) (audience not stated, treated as personal)$75
per year
Legal Process Fee$50
Verification of Deposit$10

Retirement & IRA

Early Closing of IRA (within first year of opening)$25

Other Fees

Copies of Statements/Transaction History (per copy)$5
per item
Copies of Visa® Debit Card Receipts$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$7	per month	None
Monthly service charge	$10	per month	None
Monthly service charge	$7	per month	None
Monthly service charge	$8	per month	None
Monthly service charge	$6	per month	None
Monthly service fee	$15	per month	Avoid the $15 monthly service fee by maintaining a minimum balance of $2,500
Rewards Checking Monthly Service Charge	No charge	per month	None
Seniors Choice Checking Monthly service charge	$4	per month	None
Dormant Address (per month)	$5	per month	None
Inactive Account (per month)	$5	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	$9	Not stated	None
Nonsufficient Funds (per each returned item)	No charge	Not stated	None
ATM & Card
Foreign ATM Transactions (withdrawal, transfer)	$1	Not stated	None
Replacement ATM Card	$7	Not stated	None
Replacement Visa® Debit Card	No charge	Not stated	None
Replacement Visa® Debit Card	$7	Not stated	None
Wire Transfers
Foreign Wire Transfers - Outgoing (member-originated)	$55	Not stated	None
Foreign Wire Transfers - Incoming (If through First Horizon with SWIFT code)	$15	Not stated	None
Foreign Wire Transfers - Incoming (straight to TVFCU, no SWIFT code)	$10	Not stated	None
Check Services
Cashier Checks (each)	No charge	Not stated	None
Cashier Checks (each)	$4	per item	None
Money Orders & Cashiers Checks	$4	Not stated	None
Money Orders (each)	$4	per item	None
Money Orders & Cashiers Checks	No charge	Not stated	None
Money Orders & Cashiers Checks	$4	Not stated	None
Stop Payment	$34	Not stated	None
Counter/Temporary/Starter Checks (four checks per page)	$1	per item	None
Check Cashing (per check)	$5	per item	None
Check Cashing (per check)	No charge	per item	None
Copies of Checks (per copy)	$2	per item	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Account Services
Notary Service	No charge	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)	$90	per year	None
Safe Deposit Box 3" X 10" Box (Annual Fee) (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 3" X 5" Box (Annual Fee) (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box 5" X 10" Box (Annual Fee) (audience not stated, treated as personal)	$60	per year	None
Safe Deposit Box 7" X 10" Box (Annual Fee) (audience not stated, treated as personal)	$75	per year	None
Legal Process Fee	$50	Not stated	None
Verification of Deposit	$10	Not stated	None
Retirement & IRA
Early Closing of IRA (within first year of opening)	$25	Not stated	None
Other Fees
Copies of Statements/Transaction History (per copy)	$5	per item	None
Copies of Visa® Debit Card Receipts	$10	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 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.

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