Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Tennessee Members 1St Federal Credit Union

Oak Ridge, TennesseeCredit UnionAtlanta Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation Fee (per hour)$10Below the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=account_research; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Account Reconciliation Fee (per hour) | $10.00 | Replace Lost/Damaged Plastic Card | $7.00" · Source

Account Research Fee (per hour)$15

$5 below the national median

Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=account_research; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Account Research Fee (per hour) | $15.00 | Check Cashing Fee | $5.00" · Source

Dormant Account Fee (per month, after 6 months)$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=dormant_account; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Wire Transfer Outgoing | $20.00 | Dormant Account Fee (per month, after 6 months) | $5.00" · Source

Early Account Closure (within 6 months)$5

$10 below the national median

per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=early_closure; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Share Draft Copy Fee (per item) | $2.00 | Early Account Closure (within 6 months) | $5.00" · Source

Locator/Bad Address Fee (per return)$5

$15 below the national median

Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=account_research; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Locator/Bad Address Fee (per return) | $5.00 | Overdraft Transfer from Line of Credit | $1.00" · Source

Share Draft Copy Fee (per item)$2

$13 below the national median

Overdraft & NSFVerified

Courtesy Pay Fee per presentment$30Within the typical range ($20–$30 nationally)
$1 above the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=overdraft; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Courtesy Pay Fee per presentment | $30.00 | 10X10 | $65.00" · Source
NSF Fees per presentment$30Within the typical range ($25–$32 nationally)
$1 above the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=nsf; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="NSF Fees per presentment | $30.00 | 3X10 | $30.00" · Source
Overdraft Transfer from Line of Credit$1Below the typical range ($2.50–$5 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=od_protection_transfer; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Locator/Bad Address Fee (per return) | $5.00 | Overdraft Transfer from Line of Credit | $1.00" · Source
Overdraft Transfer from Share (per transaction)$1Below the typical range ($2.50–$5 nationally)
$4 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=od_protection_transfer; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Money Order Fee | $2.00 | Overdraft Transfer from Share (per transaction) | $1.00" · Source

ATM & CardVerified

ATM Fee - Other Financial Institution’s ATMs$1.50Within the typical range ($1–$3 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=atm_non_network; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="| ATM Fee - Other Financial Institution’s ATMs | $1.50" · Source
ATM Surcharge Fee - Non-Members$2.50Within the typical range ($1–$3 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=atm_non_network; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Replacement Check Fee | $5.00 | ATM Surcharge Fee - Non-Members | $2.50" · Source
Debit Card Rush$70Above the typical range ($30–$50 nationally)
$30 above the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=rush_card; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="International Wire Outgoing | $50.00 | Debit Card Rush | $70.00" · Source
Replace Lost/Damaged Plastic Card$7Within the typical range ($5–$10 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=card_replacement; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Account Reconciliation Fee (per hour) | $10.00 | Replace Lost/Damaged Plastic Card | $7.00" · Source

Wire TransfersVerified

Wire Transfer Incoming$10Within the typical range ($7.50–$15 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=wire_domestic_incoming; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Wire Transfer Incoming | $10.00 | Copy of Debit Card Receipt (per item) | $5.00" · Source
Wire Transfer Outgoing$20Within the typical range ($20–$25 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=wire_domestic_outgoing; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Wire Transfer Outgoing | $20.00 | Dormant Account Fee (per month, after 6 months) | $5.00" · Source

Check ServicesVerified

Cashier’s Check Fee (no free)$3Within the typical range ($3–$6 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=cashiers_check; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Cashier’s Check Fee (no free) | $3.00" · Source
Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=check_cashing; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Account Research Fee (per hour) | $15.00 | Check Cashing Fee | $5.00" · Source
Money Order Fee$2Within the typical range ($2–$3.50 nationally)
At the national median
per transaction · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=money_order; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Money Order Fee | $2.00 | Overdraft Transfer from Share (per transaction) | $1.00" · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=stop_payment; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Stop Payment Fee | $30.00 | Change of Key Fee | $20.00" · Source

Cash & DepositVerified

Returned Deposit Check Fee$25Within the typical range ($9.75–$25 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=deposited_item_return; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Returned Deposit Check Fee | $25.00 | Safety Deposit Box Late Fee | $5.00" · Source

Account ServicesVerified

10X10$65Within the typical range ($25–$80 nationally)
$25 above the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=safe_deposit_box; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Courtesy Pay Fee per presentment | $30.00 | 10X10 | $65.00" · Source
3X10$30Within the typical range ($25–$80 nationally)
$10 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=safe_deposit_box; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="NSF Fees per presentment | $30.00 | 3X10 | $30.00" · Source
3X5$15Below the typical range ($25–$80 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=safe_deposit_box; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="| 3X5 | $15.00" · Source
5X10$40Within the typical range ($25–$80 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=safe_deposit_box; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="ATM NSF Fees per presentment | $30.00 | 5X10 | $40.00" · Source
5X5$20Below the typical range ($25–$80 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=safe_deposit_box; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="| 5X5 | $20.00" · Source
7X10$50Within the typical range ($25–$80 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=safe_deposit_box; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="ACH NSF Fees per presentment | $30.00 | 7X10 | $50.00" · Source
Garnishment$50Within the typical range ($25–$75 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=garnishment_levy; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Checks by Phone Fee (per check) | $2.50 | Garnishment | $50.00" · Source
Non-Member Notary Service (per item)$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=notary_fee; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Non-Member Notary Service (per item) | $5.00 | Subordination Fee | $150.00" · Source
Subordination Fee$150Above the typical range ($25–$100 nationally)
$100 above the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=legal_process; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Non-Member Notary Service (per item) | $5.00 | Subordination Fee | $150.00" · Source
Verification of Deposit (per item)$10Within the typical range ($5–$16.13 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=account_verification; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="International Wire Incoming | $20.00 | Verification of Deposit (per item) | $10.00" · Source

Lending FeesVerified

Safety Deposit Box Late Fee$5Below the typical range ($15–$27 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=late_payment; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Returned Deposit Check Fee | $25.00 | Safety Deposit Box Late Fee | $5.00" · Source

Other FeesVerified

Statement Copy Fee (per page)$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=document_reproduction; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Statement Copy Fee (per page) | $2.00 | Pin Number Reorder | $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation Fee (per hour)	$10Below the typical range ($15–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=account_research; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Account Reconciliation Fee (per hour) \| $10.00 \| Replace Lost/Damaged Plastic Card \| $7.00"	Source
Account Research Fee (per hour)	$15Within the typical range ($15–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=account_research; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Account Research Fee (per hour) \| $15.00 \| Check Cashing Fee \| $5.00"	Source
Dormant Account Fee (per month, after 6 months)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=dormant_account; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Wire Transfer Outgoing \| $20.00 \| Dormant Account Fee (per month, after 6 months) \| $5.00"	Source
Early Account Closure (within 6 months)	$5Below the typical range ($10–$25 nationally)	$10 below the national median	per item	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=early_closure; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Share Draft Copy Fee (per item) \| $2.00 \| Early Account Closure (within 6 months) \| $5.00"	Source
Locator/Bad Address Fee (per return)	$5Below the typical range ($15–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=account_research; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Locator/Bad Address Fee (per return) \| $5.00 \| Overdraft Transfer from Line of Credit \| $1.00"	Source
Share Draft Copy Fee (per item)	$2Below the typical range ($10–$25 nationally)	$13 below the national median	per item	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=early_closure; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Share Draft Copy Fee (per item) \| $2.00 \| Early Account Closure (within 6 months) \| $5.00"	Source
Overdraft & NSFVerified
Courtesy Pay Fee per presentment	$30Within the typical range ($20–$30 nationally)	$1 above the national median	per item	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=overdraft; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Courtesy Pay Fee per presentment \| $30.00 \| 10X10 \| $65.00"	Source
NSF Fees per presentment
ATM & CardVerified
ATM Fee - Other Financial Institution’s ATMs	$1.50Within the typical range ($1–$3 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=atm_non_network; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="\| ATM Fee - Other Financial Institution’s ATMs \| $1.50"	Source
ATM Surcharge Fee - Non-Members
Wire TransfersVerified
Wire Transfer Incoming	$10Within the typical range ($7.50–$15 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=wire_domestic_incoming; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Wire Transfer Incoming \| $10.00 \| Copy of Debit Card Receipt (per item) \| $5.00"	Source
Wire Transfer Outgoing
Check ServicesVerified
Cashier’s Check Fee (no free)	$3Within the typical range ($3–$6 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=cashiers_check; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Cashier’s Check Fee (no free) \| $3.00"	Source
Check Cashing Fee
Cash & DepositVerified
Returned Deposit Check Fee	$25Within the typical range ($9.75–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=deposited_item_return; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Returned Deposit Check Fee \| $25.00 \| Safety Deposit Box Late Fee \| $5.00"	Source
Account ServicesVerified
10X10	$65Within the typical range ($25–$80 nationally)	$25 above the national median	per item	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=safe_deposit_box; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Courtesy Pay Fee per presentment \| $30.00 \| 10X10 \| $65.00"	Source
3X10
Lending FeesVerified
Safety Deposit Box Late Fee	$5Below the typical range ($15–$27 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=late_payment; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Returned Deposit Check Fee \| $25.00 \| Safety Deposit Box Late Fee \| $5.00"	Source
Other FeesVerified
Statement Copy Fee (per page)	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #6425. canonical_hint=document_reproduction; text_hash=e7e697c2b614af679087bd3a8a562aadddc738480e479537b8d3dc4bf96dff7c; excerpt="Statement Copy Fee (per page) \| $2.00 \| Pin Number Reorder \| $5.00"	Source

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 33

Verified fees

Under review

Assets

$97.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$97.9M

Total deposits

$87.1M

Service charge income (year to date)

$73K

Fee income ratio

3.2%

Return on assets

-0.01%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 21,453 verified fees from 2,141 institutions

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