Middle Tennessee Federal Credit Union

Headquarters: Cookeville, Tennessee
Charter: Credit Union
Assets: $71.3M
Fed district: Atlanta
Regulator: NCUA

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

Source: its fee schedule, read Nov 3, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 3, 2026

How these figures are measured

Call-report figures are for Middle Tennessee 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Middle Tennessee 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

Details

Source: NCUA 5300 call report
Entity: Middle Tennessee Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $218K in Q2 2026, 3.3% above the same quarter a year earlier ($211K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

NSF / Returned Item
Compared at $25, the middle of its prices
Middle Tennessee Federal Credit Union: $15 to $30
Middle Tennessee Federal Credit Union: $15 to $30
U.S. median: no median
Wire Transfer (Domestic Out)
Middle Tennessee Federal Credit Union: $25
Middle Tennessee Federal Credit Union: $25
U.S. median: no median
Stop Payment
Middle Tennessee Federal Credit Union: $15
Middle Tennessee Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 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.

Fee income beside fee prices

Fee income fell 3.1% from Q3 2025 to Q2 2026, to $218K.

Fee income, Q2 2026

$218K

$225KQ3 2025

$216KQ4 2025

$209KQ1 2026

$218KQ2 2026

Against the median

Middle Tennessee Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Middle Tennessee Federal Credit Union · $71M 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 17 states.

Credit unions only
$70M to $73M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Middle Tennessee Federal Credit Union(this institution)	Cookeville, TN	$71M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Access Federal Credit Union	Bristol, PA	$70M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Beacon Community Federal Credit Union	Louisville, KY	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Delta County Federal Credit Union	Delta, CO	$73M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Ep Federal Credit Union	Washington, DC	$71M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ever $ Green Federal Credit Union	Rochester, NY	$73M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Firefighters Federal Credit Union	Draper, UT	$70M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Galaxy Federal Credit Union	Franklin, PA	$73M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Healthcare Plus Federal Credit Union	Aberdeen, SD	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Hurricane Creek Federal Credit Union	Benton, AR	$72M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Jeep Country Federal Credit Union	Holland, OH	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kh Credit Union, Inc.	Dayton, OH	$71M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Maple Federal Credit Union	Lafayette, LA	$72M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midwest Regional Federal Credit Union	Kansas City, KS	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Parishioners Federal Credit Union	Torrance, CA	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Polam Federal Credit Union	Redwood City, CA	$73M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Professional Fire Fighters Federal Credit Union	Shreveport, LA	$73M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Scott And White Employees Federal Credit Union	Temple, TX	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Star Of Texas Federal Credit Union	austin, TX	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Stoneham Municipal Employees Federal Credit Union	Stoneham, MA	$70M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tahquamenon Area Federal Credit Union	Newberry, MI	$70M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Tobacco Valley Teachers Federal Credit Union	Enfield, CT	$72M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Poles Federal Credit Union	Perth Amboy, NJ	$72M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Universal City Studios Federal Credit Union	Burbank, CA	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
West Texas Federal Credit Union	Odessa, TX	$70M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wheatland Federal Credit Union	Lancaster, PA	$70M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Middle Tennessee Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6.50 among 12 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 20, 2026.

Monthly maintenance fee in dollars, one mark per institution

Middle Tennessee Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Middle Tennessee Federal…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 20, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Middle Tennessee Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $218K
vs prior quarter: +$9K+4.3%; from Q1 2026
vs a year earlier: +$7K+3.3%; from Q2 2025
vs start of range: +$9K+4.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Middle Tennessee Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$218K	+$9K	+4.3%
Q1 2026	$209K	−$7K	−3.2%
Q4 2025	$216K	−$9K	−4.0%
Q3 2025	$225K	+$14K	+6.6%
Q2 2025	$211K	+$10K	+5.0%
Q1 2025	$201K	−$20K	−9.0%
Q4 2024	$221K	+$12K	+5.7%
Q3 2024	$209K	+$5K	+2.5%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Account Closure - If Closed Within 6 Months of Opening$10
Dormant Account Fee$5
per month
Returned Mail Because of Bad Address$5

Overdraft & NSF

Non-Sufficient Funds/ Returned Check Payments$25
NSF Fee$30
Return Check Fee/Return Check Fee of From Members Own Account$15

ATM & Card

Replace Debit Card$10
Replacement Cards$15
Foreign Transaction1%of the transaction
Foreign Transaction (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Outgoing Wire$25
Incoming Wire with Phone Notification$25
International Wire$85

Check Services

Certified Checks$7
Stop Payment Fee$15
Copy of Draft$3
Faxed Copy of Share Draft or Other Account$3
per item

Cash & Deposit

Cash Advance$1.50

Lending Fees

Late Payment$25
Consumer Loan Origination Fee$50

Gift & Prepaid Cards

VISA® Prepaid Gift Cards$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closure - If Closed Within 6 Months of Opening	$10	Not stated	None
Dormant Account Fee	$5	per month	None
Returned Mail Because of Bad Address	$5	Not stated	None
Overdraft & NSF
Non-Sufficient Funds/ Returned Check Payments	$25	Not stated	None
NSF Fee	$30	Not stated	None
Return Check Fee/Return Check Fee of From Members Own Account	$15	Not stated	None
ATM & Card
Replace Debit Card	$10	Not stated	None
Replacement Cards	$15	Not stated	None
Foreign Transaction	1%of the transaction	Not stated	None
Foreign Transaction (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire	$25	Not stated	None
Incoming Wire with Phone Notification	$25	Not stated	None
International Wire	$85	Not stated	None
Check Services
Certified Checks	$7	Not stated	None
Stop Payment Fee	$15	Not stated	None
Copy of Draft	$3	Not stated	None
Faxed Copy of Share Draft or Other Account	$3	per item	None
Cash & Deposit
Cash Advance	$1.50	Not stated	None
Lending Fees
Late Payment	$25	Not stated	None
Consumer Loan Origination Fee	$50	Not stated	None
Gift & Prepaid Cards
VISA® Prepaid Gift Cards	$5	per item	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

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.

Fee change alerts

Get an email when Middle Tennessee Federal Credit Union's foreign transaction changes in our data

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