Y-12 Federal Credit Union

Headquarters: Oak Ridge, Tennessee
Charter: Credit Union
Assets: $2.8B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Monthly Maintenance
Everyday Checking $0 · HIGH YIELD CHECKING $5
Compared at $2.50, the middle of its prices
Y-12 Federal Credit Union: $0 to $5
Y-12 Federal Credit Union: $0 to $5
U.S. median: no median
Overdraft (OD)
Y-12 Federal Credit Union: $32
Y-12 Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Y-12 Federal Credit Union: $32
Y-12 Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 Y-12 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Everyday Checking Account FeeNo charge
High Yield Checking Monthly service fee$5
per month
Early closure (180 days) fee$15
Inactive Account (dormant 18 months or more) fee (audience not stated, treated as personal)$15
Not compared: Quarterly charge, not monthly
per quarter
Account Reconciliation fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement fee (each month a statement is mailed)$2
per month
Locator fee$5
per month

Overdraft & NSF

Courtesy Pay fee$32
per item
Overdraft fee$32
Non-Sufficient Fund (NSF) fee$32
per item
Withdrawals on non-sufficient funds (audience not stated, treated as personal)$32
per item

ATM & Card

Out-of-Network ATM fee (all transaction except Co-Op)$1
per item
Replacement Card fee (audience not stated, treated as personal)$10
per item
EasyPay Expedited Fee (audience not stated, treated as personal)$32

Wire Transfers

ELECTRONIC FUND TRANSFERS: Outgoing Consumer Domestic Wire Transfer fee$15
Outgoing Consumer Foreign Wire Transfer fee$95
per item

Check Services

Cashier's Check fee$5
per item
Teller Check fee (3 free per month)$5
per item
Money Order$3
per item
Bill Pay Stop Payment fee (audience not stated, treated as personal)$32
per item
Share Draft Stop Payment Order fee$32
Not compared: Monthly charge, not per item
per month
Stop Payment fee$32
per item
Share Draft Statement Copies (per page) fee$1
per item

Account Services

Annual Rental 3x10$35
per year
Drilling of Box fee$130
Not compared: Box drilling or key fee
per year
Lost Key/Change of Lock fee$110
Not compared: Box drilling or key fee
Safe Deposit Box Annual Rental 10x10 (audience not stated, treated as personal)$85
per year
Safe Deposit Box Annual Rental 15x10 (audience not stated, treated as personal)$150
per year
Safe Deposit Box Annual Rental 3x10 (audience not stated, treated as personal)$35
per year
Safe Deposit Box Annual Rental 3x5 (audience not stated, treated as personal)$25
per year
Safe Deposit Box Annual Rental 4x10 (audience not stated, treated as personal)$60
per year
Safe Deposit Box Annual Rental 4x5 (audience not stated, treated as personal)$30
per year
Safe Deposit Box Annual Rental 5x10 (audience not stated, treated as personal)$65
per year
Safe Deposit Box Annual Rental 5x5 (audience not stated, treated as personal)$45
per year
Levy/Garnishment Processing fee per notification$100
Verification of Deposit (audience not stated, treated as personal)$10

Other Fees

Photocopy fee$2
per item
Share Draft Statement Copies (per page) fee$1
per item
Share/Savings Statement Copy fee$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Everyday Checking Account Fee	No charge	Not stated	None
High Yield Checking Monthly service fee	$5	per month	None
Early closure (180 days) fee	$15	Not stated	None
Inactive Account (dormant 18 months or more) fee (audience not stated, treated as personal)	$15Not compared: Quarterly charge, not monthly	per quarter	None
Account Reconciliation fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement fee (each month a statement is mailed)	$2	per month	None
Locator fee	$5	per month	None
Overdraft & NSF
Courtesy Pay fee	$32	per item	None
Overdraft fee	$32	Not stated	None
Non-Sufficient Fund (NSF) fee	$32	per item	None
Withdrawals on non-sufficient funds (audience not stated, treated as personal)	$32	per item	None
ATM & Card
Out-of-Network ATM fee (all transaction except Co-Op)	$1	per item	None
Replacement Card fee (audience not stated, treated as personal)	$10	per item	None
EasyPay Expedited Fee (audience not stated, treated as personal)	$32	Not stated	None
Wire Transfers
ELECTRONIC FUND TRANSFERS: Outgoing Consumer Domestic Wire Transfer fee	$15	Not stated	None
Outgoing Consumer Foreign Wire Transfer fee	$95	per item	None
Check Services
Cashier's Check fee	$5	per item	None
Teller Check fee (3 free per month)	$5	per item	None
Money Order	$3	per item	None
Bill Pay Stop Payment fee (audience not stated, treated as personal)	$32	per item	None
Share Draft Stop Payment Order fee	$32Not compared: Monthly charge, not per item	per month	None
Stop Payment fee	$32	per item	None
Share Draft Statement Copies (per page) fee	$1	per item	None
Account Services
Annual Rental 3x10	$35	per year	None
Drilling of Box fee	$130Not compared: Box drilling or key fee	per year	None
Lost Key/Change of Lock fee	$110Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Annual Rental 10x10 (audience not stated, treated as personal)	$85	per year	None
Safe Deposit Box Annual Rental 15x10 (audience not stated, treated as personal)	$150	per year	None
Safe Deposit Box Annual Rental 3x10 (audience not stated, treated as personal)	$35	per year	None
Safe Deposit Box Annual Rental 3x5 (audience not stated, treated as personal)	$25	per year	None
Safe Deposit Box Annual Rental 4x10 (audience not stated, treated as personal)	$60	per year	None
Safe Deposit Box Annual Rental 4x5 (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box Annual Rental 5x10 (audience not stated, treated as personal)	$65	per year	None
Safe Deposit Box Annual Rental 5x5 (audience not stated, treated as personal)	$45	per year	None
Levy/Garnishment Processing fee per notification	$100	Not stated	None
Verification of Deposit (audience not stated, treated as personal)	$10	Not stated	None
Other Fees
Photocopy fee	$2	per item	None
Share Draft Statement Copies (per page) fee	$1	per item	None
Share/Savings Statement Copy fee	$1	per item	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 16, 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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