Compared with Tennessee
9 of 15
compared fees are above the median.
5 below, 1 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
13th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Tennessee median
of 15 compared; 5 below, 1 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for U. T. 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 569 credit unions with $300M to $1B 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. | U. T. Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.9% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (13th 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 $317K in Q2 2026, 5.0% above the same quarter a year earlier ($302K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 15 compared published fees sit above the Tennessee median; 5 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.
Non-Network ATM
NSF / Returned Item
Wire Transfer (Domestic Out)
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 fell 9.4% from Q3 2025 to Q2 2026, to $317K. Its share of revenue, 3.9%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$317K
U. T. 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
U. T. Federal Credit Union · $554M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| U. T. Federal Credit Union(this institution) | Knoxville, TN | $554M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Argent Federal Credit Union | Chesterfield, VA | $572M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arlington Community Federal Credit Union | Arlington, VA | $538M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cabrillo Federal Credit Union | San Diego, CA | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| City Of Boston Federal Credit Union | South Boston, MA | $544M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dutch Point Federal Credit Union | Wethersfield, CT | $565M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Firelands Federal Credit Union | Bellevue, OH | $580M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First New York Federal Credit Union | Albany, NY | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First U.S. Community Federal Credit Union | Sacramento, CA | $548M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Freedom Of Maryland Federal Credit Union | Bel Air, MD | $557M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heartland Federal Credit Union | Springfield, IL | $574M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lebanon Federal Credit Union | Lebanon, PA | $540M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mid American Federal Credit Union | Wichita, KS | $532M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mutual Federal Credit Union | Vicksburg, MS | $529M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Otero Federal Credit Union | Alamogordo, NM | $535M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Partners 1St Federal Credit Union | Fort Wayne, IN | $546M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peake Federal Credit Union | Towson, MD | $534M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pearl Hawaii Federal Credit Union | Waipahu, HI | $545M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pittsford Federal Credit Union | Pittsford, NY | $542M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Resource One Federal Credit Union | Dallas, TX | $555M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Servu Federal Credit Union | Painted Post, NY | $529M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Simplicity Federal Credit Union | Marshfield, WI | $547M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Soarion Federal Credit Union | San Antonio, TX | $556M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spectra Federal Credit Union | Alexandria, VA | $544M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Southern Federal Credit Union | Fayetteville, GA | $560M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Federal Credit Union | Orono, ME | $538M | Monthly maintenance not published | 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
The peer median is $5.50 among 14 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
U. T. Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for U. T. 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 | $317K | −$6K | −1.9% |
| Q1 2026 | $323K | −$18K | −5.3% |
| Q4 2025 | $341K | −$9K | −2.6% |
| Q3 2025 | $350K | +$48K | +15.9% |
| Q2 2025 | $302K | −$12K | −3.8% |
| Q1 2025 | $314K | −$11K | −3.4% |
| Q4 2024 | $325K | +$18K | +5.9% |
| Q3 2024 | $307K | +$9K | +3.0% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, U. T. 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 U. T. Federal Credit Union by share.
Amounts from U. T. Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Reconciliation | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Returned Check/ACH | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Transaction at any ATM except | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| UTFCU Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| UTFCU Debit Card Rush Order | $45Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Foreign transactions | 0.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing) – Consumer | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer Foreign (outgoing) | $95Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check – Members | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier’s Check – Non-members | $6Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Item Collection | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Bill Payment Check Photocopy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Online ACH Origination Package | $29.95Not compared: Monthly charge, not per item | per month | None |
| Bill Payment Expedited Payment | $34.95Not compared: Per-item charge, not monthly | per item | None |
| Bill Payment Expedited Payment – 2nd | $6.95Not compared: Per-item charge, not monthly | per item | None |
| Bill Payment Personalized Donation | $1.99Not compared: Per-item charge, not monthly | per item | None |
| Bill Payment Personalized Gift Check | $2.99Not compared: Per-item charge, not monthly | per item | None |
Account Services | |||
| Safe Deposit Boxes (audience not stated, treated as personal) | $15Not compared: Monthly charge, not annual | per month | None |
| Legal Process (Garnishment/Levy) | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Verification of Account | $35Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Verification of Deposit – Consumer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Skip-A-Pay (Consumer Loans) | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Reconciliation | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Returned Check/ACH | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Transaction at any ATM except | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| UTFCU Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| UTFCU Debit Card Rush Order | $45Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Foreign transactions | 0.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer Foreign (outgoing) | $95Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check – Members | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier’s Check – Non-members | $6Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Item Collection | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Bill Payment Check Photocopy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Online ACH Origination Package | $29.95Not compared: Monthly charge, not per item | per month | None |
| Bill Payment Expedited Payment | $34.95Not compared: Per-item charge, not monthly | per item | None |
| Bill Payment Expedited Payment – 2nd | $29.95Not compared: Per-item charge, not monthly | per item | None |
| Bill Payment Expedited Payment – 2nd | $6.95Not compared: Per-item charge, not monthly | per item | None |
| Bill Payment Personalized Donation | $1.99Not compared: Per-item charge, not monthly | per item | None |
| Bill Payment Personalized Gift Check | $2.99Not compared: Per-item charge, not monthly | per item | None |
Account Services | |||
| Legal Process (Garnishment/Levy) | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Verification of Account | $35Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Verification of Deposit – Business | $20 | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Nov 3, 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 U. T. Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state (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 | 7 |
| Alcoa, TN | 1 |
| Martin, TN | 1 |
| Memphis, TN | 1 |
Largest competitors nearby
Local market: Knox county, TN, around its headquarters.
| 42 in its local market | Deposit share |
|---|---|
| First Horizon Bank | 19.5% |
| Truist Bank | 16.6% |
| Pinnacle Bank | 16.1% |
| Regions Bank | 10% |
| Home Federal Bank of Tennessee | 9.6% |
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.