15 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
NSF / Returned Item
Non-Network ATM
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
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.
Amounts from U. T. Federal Credit Union’s own schedules, with a source for each figure.
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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 | $35 | per item | None |
ATM & Card | |||
| ATM Transaction at any ATM except | $1.50 | per item | None |
| UTFCU Debit Card Replacement | $10 | per item | None |
| UTFCU Debit Card Rush Order | $45 | per item | None |
| Foreign transactions | 0.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing) – Consumer | $15 | per item | None |
| Wire Transfer (incoming) | $10 | per item | None |
| Wire Transfer Foreign (outgoing) | $95 | per item | None |
Check Services | |||
| Cashier’s Check – Members | $5 | per item | None |
| Cashier’s Check – Non-members | $6 | per item | None |
| Stop Payment | $35 | per item | None |
| Foreign Item Collection | $10 | per item | None |
| Bill Payment Check Photocopy | $2 | per item | None |
| Duplicate Check Copy | $2 | 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) | $100 | per item | None |
| Verification of Account | $35 | per item | None |
| Verification of Deposit – Consumer | $10 | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $2.50 | per item | None |
Other Fees | |||
| Skip-A-Pay (Consumer Loans) | $35 | 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 | $35 | per item | None |
ATM & Card | |||
| ATM Transaction at any ATM except | $1.50 | per item | None |
| UTFCU Debit Card Replacement | $10 | per item | None |
| UTFCU Debit Card Rush Order | $45 | per item | None |
| Foreign transactions | 0.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (incoming) | $10 | per item | None |
| Wire Transfer Foreign (outgoing) | $95 | per item | None |
Check Services | |||
| Cashier’s Check – Members | $5 | per item | None |
| Cashier’s Check – Non-members | $6 | per item | None |
| Stop Payment | $35 | per item | None |
| Foreign Item Collection | $10 | per item | None |
| Bill Payment Check Photocopy | $2 | per item | None |
| Duplicate Check Copy | $2 | 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) | $100 | per item | None |
| Verification of Account | $35 | per item | None |
| Verification of Deposit – Business | $20 | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $2.50 | 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.
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