Etma Federal Credit Union

Headquarters: Louisville, Tennessee
Charter: Credit Union
Assets: $31.5M
Fed district: Atlanta

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

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

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Etma Federal Credit Union: $35
Etma Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Etma Federal Credit Union: $35
Etma Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Etma Federal Credit Union: $25
Etma Federal Credit Union: $25
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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Etma Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure Fee$5
Dormant Account Fee$5
per month
Account Reconciliation Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address Fee (after 2 stmts returned undeliverable)$5
per month

Overdraft & NSF

Courtesy Pay Fee$35
per item
NSF Fee$35
per item

ATM & Card

ATM Withdrawal Fee (Classic and CU Succeed)$1
Not compared: Monthly charge, not per item
per month
Debit Card Replacement Fee$7.50
Visa Card Replacement Fee$7.50

Wire Transfers

Wire Transfers (In or Out) USA$25
per item
Wire Transfers (In or Out) International$50
per item

Check Services

Certified/Cashier's Check - free 5/mo with Mbr Rewards$4
per item
Certified/Cashier's Check for Non-Members$5
per item
Stop Payment Fee$30
per item
Starter Checks 4 per member-free then$1
per item
Check Copy Fee$2
per item

Cash & Deposit

Non ETMA Visa Card Cash Advance$5

Account Services

Subordination Fee$50
Temporary Lien Fee$10
per item

Lending Fees

Late Fee on Loans (audience not stated, treated as personal)5%($5 minimum)

Other Fees

Statement Copies$2
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee	$5	Not stated	None
Dormant Account Fee	$5	per month	None
Account Reconciliation Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address Fee (after 2 stmts returned undeliverable)	$5	per month	None
Overdraft & NSF
Courtesy Pay Fee	$35	per item	None
NSF Fee	$35	per item	None
ATM & Card
ATM Withdrawal Fee (Classic and CU Succeed)	$1Not compared: Monthly charge, not per item	per month	None
Debit Card Replacement Fee	$7.50	Not stated	None
Visa Card Replacement Fee	$7.50	Not stated	None
Wire Transfers
Wire Transfers (In or Out) USA	$25	per item	None
Wire Transfers (In or Out) International	$50	per item	None
Check Services
Certified/Cashier's Check - free 5/mo with Mbr Rewards	$4	per item	None
Certified/Cashier's Check for Non-Members	$5	per item	None
Stop Payment Fee	$30	per item	None
Starter Checks 4 per member-free then	$1	per item	None
Check Copy Fee	$2	per item	None
Cash & Deposit
Non ETMA Visa Card Cash Advance	$5	Not stated	None
Account Services
Subordination Fee	$50	Not stated	None
Temporary Lien Fee	$10	per item	None
Lending Fees
Late Fee on Loans (audience not stated, treated as personal)	5%($5 minimum)	Not stated	None
Other Fees
Statement Copies	$2Not compared: Monthly charge, not per item	per month	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 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.

Fee change alerts

Get an email when Etma Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.