Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Middle Tennessee Federal Credit Union

Cookeville, TennesseeCredit UnionAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closure - If Closed Within 6 Months of Opening$10Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Non-Sufficient Funds/ Returned Check Payments$25Within the typical range ($25–$31 nationally)
$5 below the national median
Source
NSF Fee$30Within the typical range ($25–$31 nationally)
At the national median
Source
Return Check Fee/Return Check Fee of From Members Own Account$15Below the typical range ($25–$31 nationally)
$15 below the national median
Knox extract.rules v20 categorized a line held for review from Rosetta artifact #2345. canonical_hint=nsf; text_hash=823933f04d46fb67cfb567a0d4e84d042c45c51be3fbb241c49fdb09a57cbc24; excerpt="Return Check Fee/Return Check Fee of From Members Own Account | $15.00/$30.00" · Source

ATM & CardVerified

Replace Debit Card$10Within the typical range ($5–$10 nationally)
At the national median
Source
Replacement Cards$15Above the typical range ($5–$10 nationally)
$5 above the national median
Source

Wire TransfersVerified

Incoming Wire with Phone Notification$25Above the typical range ($5–$15 nationally)
$15 above the national median
Source
Outgoing Wire$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Copy of Draft$3Within the typical range ($2–$5 nationally)
At the national median
Source
Stop Payment Fee$15Below the typical range ($20–$30 nationally)
$11 below the national median
Source

Lending FeesVerified

Consumer Loan Origination Fee$50Within the typical range ($25–$75 nationally)
$15 above the national median
Source
Late Payment$25Within the typical range ($15–$25 nationally)
$3 above the national median
Source
Loan Late Fee$10Below the typical range ($15–$25 nationally)
$12 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closure - If Closed Within 6 Months of Opening	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds/ Returned Check Payments	$25Within the typical range ($25–$31 nationally)	$5 below the national median	—	—	Source
NSF Fee	$30
ATM & CardVerified
Replace Debit Card	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Replacement Cards	$15Above the typical range ($5–$10 nationally)
Wire TransfersVerified
Incoming Wire with Phone Notification	$25Above the typical range ($5–$15 nationally)	$15 above the national median	—	—	Source
Outgoing Wire	$25
Check ServicesVerified
Copy of Draft	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source
Stop Payment Fee	$15Below the typical range ($20–$30 nationally)
Cash & DepositVerified
Cash Advance	$1.50Below the typical range ($2–$10 nationally)	$3.50 below the national median	—	—	Source
Lending FeesVerified
Consumer Loan Origination Fee	$50Within the typical range ($25–$75 nationally)	$15 above the national median	—	—	Source
Late Payment	$25
Gift & Prepaid CardsVerified
VISA® Prepaid Gift Cards	$5Above the typical range ($3–$4.50 nationally)	$1.50 above the national median	—	—	Source

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.

NSF fee: $25

17% below the national median NSF fee

Total fees: 16 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$71.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$71.3M

Total deposits

$59.3M

Service charge income (year to date)

$427K

Fee income ratio

19.0%

Return on assets

1.95%

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, and SEC filings

Unlock all 60 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 46,468 published fee entries from 2,882 institutions

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