Compared with Tennessee
4 of 19
compared fees are above the median.
6 below, 9 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
56th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Tennessee median
of 19 compared; 6 below, 9 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Y-12 Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Tennessee median | Published fees above the Tennessee median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Y-12 Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.1% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (56th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $3.6M in Q2 2026, 16% above the same quarter a year earlier ($3.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 19 compared published fees sit above the Tennessee median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Tennessee 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
Overdraft (OD)
NSF / Returned Item
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.
Fee income was about level from Q3 2025 to Q2 2026, at $3.6M. Its share of revenue, 7.1%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$3.6M
Y-12 Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $5; we compare the midpoint.
Y-12 Federal Credit Union · $2.8B in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Y-12 Federal Credit Union(this institution) | Oak Ridge, TN | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aberdeen Proving Ground Federal Credit Union | Aberdeen, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Abound Federal Credit Union | Radcliff, KY | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Altura Federal Credit Union | Riverside, CA | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| American Eagle Financial Federal Credit Union | East Hartford, CT | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Andrews Federal Credit Union | Suitland, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bayport Federal Credit Union | Newport News, VA | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Capital Federal Credit Union | Green Bay, WI | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Connecticut State Employees Federal Credit Union | Hartford, CT | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Consumers Federal Credit Union | Oshtemo, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Corning Federal Credit Union | Corning, NY | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union 1 | Lombard, IL | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Credit Union of Colorado, A | Denver, CO | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Credit Union of Texas | Allen, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Florida Federal Credit Union | Gainesville, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaii State Federal Credit Union | Honolulu, HI | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Hawaiiusa Federal Credit Union | Honolulu, HI | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jsc Federal Credit Union | Houston, TX | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| L & N Federal Credit Union | Louisville, KY | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lake Trust Federal Credit Union | Brighton, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oregon State Federal Credit Union | Corvallis, OR | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partners Federal Credit Union | Burbank, CA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pen Air Federal Credit Union | Pensacola, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Polish & Slavic Federal Credit Union | Brooklyn, NY | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Together Federal Credit Union | Saint Louis, MO | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ttcu Federal Credit Union | Tulsa, OK | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $2.50, the middle of its two prices, against a peer median of $6.50 among 14 publishing peers.
Its two checking prices are $0 and $5.
$2.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Y-12 Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $3.6M | +$161K | +4.7% |
| Q1 2026 | $3.4M | −$123K | −3.5% |
| Q4 2025 | $3.5M | −$29K | −0.8% |
| Q3 2025 | $3.5M | +$486K | +15.9% |
| Q2 2025 | $3.1M | +$150K | +5.2% |
| Q1 2025 | $2.9M | −$64K | −2.2% |
| Q4 2024 | $3.0M | +$40K | +1.4% |
| Q3 2024 | $2.9M | +$145K | +5.2% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Y-12 Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Y-12 Federal Credit Union by share.
Amounts from Y-12 Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Everyday Checking Account Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| High Yield Checking Monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early closure (180 days) fee | $15Inside the U.S. middle 50% ($10 to $25 nationally) | 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) | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Locator fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Fund (NSF) fee | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Withdrawals on non-sufficient funds (audience not stated, treated as personal) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Out-of-Network ATM fee (all transaction except Co-Op) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Card fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| EasyPay Expedited Fee (audience not stated, treated as personal) | $32Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| ELECTRONIC FUND TRANSFERS: Outgoing Consumer Domestic Wire Transfer fee | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Consumer Foreign Wire Transfer fee | $95Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Check fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Teller Check fee (3 free per month) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Bill Pay Stop Payment fee (audience not stated, treated as personal) | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Share Draft Stop Payment Order fee | $32Not compared: Monthly charge, not per item | per month | None |
| Stop Payment fee | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Share Draft Statement Copies (per page) fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Annual Rental 3x10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | 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) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 15x10 (audience not stated, treated as personal) | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 3x10 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 3x5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 4x10 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 4x5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 5x10 (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental 5x5 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy/Garnishment Processing fee per notification | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Verification of Deposit (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Photocopy fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Share Draft Statement Copies (per page) fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Share/Savings Statement Copy fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | 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
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.
Where Y-12 Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
25 offices in 2 states (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Knoxville, TN | 5 |
| Clinton, TN | 2 |
| Maryville, TN | 2 |
| Middlesboro, KY | 2 |
| Pineville, KY | 2 |
| Farragut, TN | 1 |
| Harriman, TN | 1 |
| Jacksboro, TN | 1 |
Largest competitors nearby
Local market: Anderson county, TN, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| Regions Bank | 27% |
| Pinnacle Bank | 19.1% |
| Truist Bank | 11.4% |
| TNBANK | 10.8% |
| Bank of America, National Association | 9.9% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.