Tennessee Members 1St Federal Credit Union

Headquarters: Oak Ridge, Tennessee
Charter: Credit Union
Assets: $97.9M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Overdraft (OD)
Tennessee Members 1St Federal Credit Union: $30
Tennessee Members 1St Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Tennessee Members 1St Federal Credit Union: $30
Tennessee Members 1St Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Tennessee Members 1St Federal Credit Union: $1.50
Tennessee Members 1St Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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 Members 1St Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure (within 6 months)$5
per item
Dormant Account Fee (per month, after 6 months)$5
per month
Account Reconciliation Fee (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee (per hour)$15
Not compared: Charged per hour; comparison unavailable
per hour
Locator/Bad Address Fee (per return)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee per presentment$30
per item
ACH NSF Fees per presentment$30
per item
ATM NSF Fees per presentment$30
per item
NSF Fees per presentment$30
per item
Overdraft Transfer from Line of Credit$1
Overdraft Transfer from Share (per transaction)$1
per transaction

ATM & Card

ATM Fee - Other Financial Institution’s ATMs$1.50
Replace Lost/Damaged Plastic Card$7
Debit Card Rush$70

Wire Transfers

Wire Transfer Outgoing$20
Not compared: Monthly charge, not per item
per month
Wire Transfer Incoming$10
per item
International Wire Outgoing$50
International Wire Incoming$20
per item

Check Services

Cashier’s Check Fee (no free)$3
Money Order Fee$2
per transaction
Stop Payment Fee$30
Check Cashing Fee$5

Cash & Deposit

Returned Deposit Check Fee$25

Account Services

Non-Member Notary Service (per item)$5
per item
Safe Deposit Box 10X10$65
per item
Safe Deposit Box 3X10$30
per item
Safe Deposit Box 5X10$40
per item
Safe Deposit Box 7X10$50
per item
Safety Deposit Box Late Fee$5
Not compared: Box drilling or key fee
Garnishment$50
per item
Subordination Fee$150
per item
Verification of Deposit (per item)$10
per item

Other Fees

Statement Copy Fee (per page)$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (within 6 months)	$5	per item	None
Dormant Account Fee (per month, after 6 months)	$5	per month	None
Account Reconciliation Fee (per hour)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee (per hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Locator/Bad Address Fee (per return)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee per presentment	$30	per item	None
ACH NSF Fees per presentment	$30	per item	None
ATM NSF Fees per presentment	$30	per item	None
NSF Fees per presentment	$30	per item	None
Overdraft Transfer from Line of Credit	$1	Not stated	None
Overdraft Transfer from Share (per transaction)	$1	per transaction	None
ATM & Card
ATM Fee - Other Financial Institution’s ATMs	$1.50	Not stated	None
Replace Lost/Damaged Plastic Card	$7	Not stated	None
Debit Card Rush	$70	Not stated	None
Wire Transfers
Wire Transfer Outgoing	$20Not compared: Monthly charge, not per item	per month	None
Wire Transfer Incoming	$10	per item	None
International Wire Outgoing	$50	Not stated	None
International Wire Incoming	$20	per item	None
Check Services
Cashier’s Check Fee (no free)	$3	Not stated	None
Money Order Fee	$2	per transaction	None
Stop Payment Fee	$30	Not stated	None
Check Cashing Fee	$5	Not stated	None
Cash & Deposit
Returned Deposit Check Fee	$25	Not stated	None
Account Services
Non-Member Notary Service (per item)	$5	per item	None
Safe Deposit Box 10X10	$65	per item	None
Safe Deposit Box 3X10	$30	per item	None
Safe Deposit Box 5X10	$40	per item	None
Safe Deposit Box 7X10	$50	per item	None
Safety Deposit Box Late Fee	$5Not compared: Box drilling or key fee	Not stated	None
Garnishment	$50	per item	None
Subordination Fee	$150	per item	None
Verification of Deposit (per item)	$10	per item	None
Other Fees
Statement Copy Fee (per page)	$2	per item	None

Correct a fee source

Oct 11, 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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