NSF/Overdraft Fee$25Within the typical range ($25–$33 nationally)
$5 below the national median$6.50 below the Tennessee median
Source
Overdraft Transfer Fee (Applicable to overdraft transfers generated automatically from savings to checking)$5Within the typical range ($2.50–$5 nationally)
At the national medianAt the Tennessee median
per item · Source

ATM & CardVerified

Replacement Card$20Above the typical range ($5–$10 nationally)
$10 above the national median$10 above the Tennessee median
Source
Regular Rush Card$35Within the typical range ($30–$50 nationally)
$5 below the national medianAt the Tennessee median
Source

Wire TransfersVerified

Wire Transfer (Outgoing fee)$15Below the typical range ($20–$25 nationally)
$10 below the national median$5 below the Tennessee median
per item · Source
Wire Transfer 11 (Incoming domestic or foreign fee)$5Below the typical range ($10–$25 nationally)
$15 below the national median$19.99 below the Tennessee median
per item · Source

Check ServicesVerified

Cashier’s Check Fee$5Within the typical range ($3–$6 nationally)
At the national medianAt the Tennessee median
per item · Source
Bill Pay Stop Payment Fee$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$5 below the Tennessee median
per item · Source
Temporary Checks (Free for new accounts)$5Above the typical range ($1–$4 nationally)
$3 above the national median$4 above the Tennessee median
Source
Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national medianAt the Tennessee median
per item · Source
Check Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Tennessee median
per item · Source

Digital & ElectronicVerified

Bill Pay Expedited Payment Fee (Check)$25Above the typical range ($0–$9.95 nationally)
$22.50 above the national median$24.62 above the Tennessee median
Source
Bill Pay Expedited Payment Fee (Electronic)$10Above the typical range ($0–$9.95 nationally)
$7.50 above the national median$9.62 above the Tennessee median
per item · Source

Cash & DepositVerified

Return Deposit Item Fee$25Within the typical range ($8–$25 nationally)
$10 above the national median$10 above the Tennessee median
per item · Source

Account ServicesVerified

Levy Processing Fee$100Above the typical range ($30–$88.13 nationally)
$50 above the national median$50 above the Tennessee median
per item · Source
Written Verification of Deposit$10Within the typical range ($5–$15 nationally)
At the national medianAt the Tennessee median
per item · Source

Other FeesVerified

Copy Fee$1Below the typical range ($2–$5 nationally)
$2 below the national median$2 below the Tennessee median
per item · Source
Statement Copy/History Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Tennessee median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Maintenance Fee	$5Within the typical range ($4–$10 nationally)	$1 below the national median$2.73 below the Tennessee median	—	—	Source
Can reduce monthly fee	$10.95Above the typical range ($4–$10 nationally)	$4.95 above the national median$3.22 above the Tennessee median	per month	—	Source
Account Closing Fee (Accounts opened 60 days or less)	$15Within the typical range ($10–$25 nationally)	$2.50 below the national medianAt the Tennessee median	—	—	Source
Account Fees (Applicable to All Accounts): Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median$5 below the Tennessee median	per month	—	Source
Escheat Account Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median$15 above the Tennessee median	—	—	Source
Account Reconciliation/Account Research Fee	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$10 above the Tennessee median	—	—	Source
Returned Mail (Bad Address Fee)	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$10 below the Tennessee median	per month	—	Source
Paper Statement Fee	$1Below the typical range ($2–$4.93 nationally)	$2 below the national median$2 below the Tennessee median	—	—	Source
Overdraft & NSFVerified
NSF/Overdraft Fee	$25Within the typical range ($25–$33 nationally)	$5 below the national median$6.50 below the Tennessee median	—	—	Source
Overdraft Transfer Fee (Applicable to overdraft transfers generated automatically from savings to checking)	$5
ATM & CardVerified
Replacement Card	$20Above the typical range ($5–$10 nationally)	$10 above the national median$10 above the Tennessee median	—	—	Source
Regular Rush Card	$35
Wire TransfersVerified
Wire Transfer (Outgoing fee)	$15Below the typical range ($20–$25 nationally)	$10 below the national median$5 below the Tennessee median	per item	—	Source
Wire Transfer 11 (Incoming domestic or foreign fee)	$5
Check ServicesVerified
Cashier’s Check Fee	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Tennessee median	per item	—	Source
Bill Pay Stop Payment Fee	$25
Digital & ElectronicVerified
Bill Pay Expedited Payment Fee (Check)	$25Above the typical range ($0–$9.95 nationally)	$22.50 above the national median$24.62 above the Tennessee median	—	—	Source
Bill Pay Expedited Payment Fee (Electronic)	$10
Cash & DepositVerified
Return Deposit Item Fee	$25Within the typical range ($8–$25 nationally)	$10 above the national median$10 above the Tennessee median	per item	—	Source
Account ServicesVerified
Levy Processing Fee	$100Above the typical range ($30–$88.13 nationally)	$50 above the national median$50 above the Tennessee median	per item	—	Source
Written Verification of Deposit	$10
Other FeesVerified
Copy Fee	$1Below the typical range ($2–$5 nationally)	$2 below the national median$2 below the Tennessee median	per item	—	Source
Statement Copy/History Fee	$5

Against Atlanta Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$25.00
Of 166 others that publish it, 11 lower, 26 the same and 129 higher.
Monthly maintenance
$7.98
Of 91 others that publish it, 56 lower and 35 higher.

See every headline fee against its local competitors

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

$25

Overdraft fee: $25

17% below the national median overdraft fee

26 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$4.8B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$4.8B

Total deposits

$3.9B

Service charge income (year to date)

$17.0M

Fee income ratio

11.3%

Return on assets

1.20%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,473 published fee entries from 3,598 institutions

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