Verified

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

Community credit union, $1B to $10B

Y-12 Federal Credit Union

Oak Ridge, TennesseeCredit UnionAtlanta Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Inactive Account (dormant 18 months or more) fee$15Above the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Non-Sufficient Fund (NSF) fee$32Within the typical range ($25–$32 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=nsf; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Non-Sufficient Fund (NSF) fee | $32.00 each* | Early closure (180 days) fee | $15.00" · Source
Overdraft fee$32Above the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=overdraft; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Overdraft fee | $32.00 each* | Membership Share | $1.00 par value" · Source
Share/Savings Returned Item fee$32Within the typical range ($25–$32 nationally)
$3 above the national median
per year · Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=nsf; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Share/Savings Returned Item fee | $32.00 per item | Annual Rental 4x5 | $30.00" · Source
Withdrawals on non-sufficient funds$32Within the typical range ($25–$32 nationally)
$3 above the national median
per month · Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=nsf; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Withdrawals on non-sufficient funds | $32.00 each* | $2.00/month" · Source

ATM & CardVerified

Replacement Card fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=card_replacement; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Replacement Card fee | $10.00 each" · Source

Wire TransfersVerified

Electronic Payments with Contact Center Agent | Outgoing Business Foreign Wire Transfer fee$50Within the typical range ($40–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=wire_intl_outgoing; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Electronic Payments with Contact Center Agent | Outgoing Business Foreign Wire Transfer fee | $50.00" · Source
Outgoing Business Domestic Wire Transfer fee$15Below the typical range ($20–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=wire_domestic_outgoing; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Outgoing Business Domestic Wire Transfer fee | $15.00" · Source
Outgoing Consumer Foreign Wire Transfer fee$95Above the typical range ($40–$50 nationally)
$45 above the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=wire_intl_outgoing; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Outgoing Consumer Foreign Wire Transfer fee | $95.00" · Source

Check ServicesVerified

per money order)$3Within the typical range ($2–$3.50 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=money_order; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Money Order fee (limit of $1,000 per money order) $3.00 each" · Source
per month | Cashier’s Check fee$5Within the typical range ($3–$6 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=cashiers_check; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Opportunity Account Service fee | $12.00 per month | Cashier’s Check fee | $5.00 each" · Source
Share Draft Stop Payment Order fee$32Above the typical range ($20–$30 nationally)
$5 above the national median
per month · Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=stop_payment; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Share Draft Stop Payment Order fee | $32.00 | five debit or credit card transactions per month," · Source
Stop Payment fee$32Above the typical range ($20–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=stop_payment; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Stop Payment fee | $32.00 each* | $25.00 per hour / 1-hour" · Source

Account ServicesVerified

Drilling of Box fee$130Above the typical range ($25–$80 nationally)
$90 above the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=safe_deposit_box; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Drilling of Box fee | $130.00" · Source
each | Levy/Garnishment Processing fee per notification$100Above the typical range ($25–$75 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=garnishment_levy; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Courtesy Pay fee | $32.00 each | Levy/Garnishment Processing fee per notification $100.00" · Source
Excludes members 17 | Lost Key/Change of Lock fee$110Above the typical range ($25–$80 nationally)
$70 above the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=safe_deposit_box; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Excludes members 17 | Lost Key/Change of Lock fee | $110.00" · Source
per month waived | SAFE DEPOSIT BOXES$5Below the typical range ($25–$80 nationally)
$35 below the national median
per month · Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=safe_deposit_box; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="$5.00 per month waived | SAFE DEPOSIT BOXES" · Source
Verification of Deposit$10Within the typical range ($5–$16.13 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=account_verification; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Verification of Deposit | $10.00" · Source

Other FeesVerified

Photocopy fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=document_reproduction; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Photocopy fee | $2.00 per item" · Source
Share Draft Statement Copies (per page) fee$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=document_reproduction; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Share Draft Statement Copies (per page) fee | $1.00" · Source
Share/Savings Statement Copy fee$1Below the typical range ($2–$5 nationally)
$2 below the national median
per year · Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=document_reproduction; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Share/Savings Statement Copy fee | $1.00 per page | Annual Rental 4x10 | $60.00" · Source
Share/Savings Statement Copy fee (Third Party Return Item fee)$32Above the typical range ($2–$5 nationally)
$29 above the national median
per year · Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=document_reproduction; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Third Party Return Item fee | $32.00 per item" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Inactive Account (dormant 18 months or more) fee	$15Above the typical range ($5–$10 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=dormant_account; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Inactive Account (dormant 18 months or more) fee $15.00"	Source
Overdraft & NSFVerified
Non-Sufficient Fund (NSF) fee	$32Within the typical range ($25–$32 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=nsf; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Non-Sufficient Fund (NSF) fee \| $32.00 each* \| Early closure (180 days) fee \| $15.00"	Source

ATM & CardVerified
Replacement Card fee	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=card_replacement; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Replacement Card fee \| $10.00 each"	Source
Wire TransfersVerified
Electronic Payments with Contact Center Agent \| Outgoing Business Foreign Wire Transfer fee	$50Within the typical range ($40–$50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=wire_intl_outgoing; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Electronic Payments with Contact Center Agent \| Outgoing Business Foreign Wire Transfer fee \| $50.00"	Source
Check ServicesVerified
per money order)	$3Within the typical range ($2–$3.50 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=money_order; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Money Order fee (limit of $1,000 per money order) $3.00 each"	Source
per month \| Cashier’s Check fee
Account ServicesVerified
Drilling of Box fee	$130Above the typical range ($25–$80 nationally)	$90 above the national median	—	Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=safe_deposit_box; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Drilling of Box fee \| $130.00"	Source
each \| Levy/Garnishment Processing fee per notification
Other FeesVerified
Photocopy fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per item	Knox deterministic extraction from Rosetta artifact #6442. canonical_hint=document_reproduction; text_hash=7915730ba6750a27c7201317b323fe6464188588990be6780e04b8b74cdb64cc; excerpt="Photocopy fee \| $2.00 per item"	Source
Share Draft Statement Copies (per page) fee

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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

$32

Overdraft fee: $32

10% above the national median overdraft fee

Total fees: 22 — leaner than most institutions

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$2.8B

Total deposits

$2.2B

Service charge income (year to date)

$6.9M

Fee income ratio

7.1%

Return on assets

1.44%

Financial profile · Pro

Y-12 Federal Credit Union

Published fees

Get an email when Y-12 Federal Credit Union changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

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