Middle Tennessee Federal Credit Union

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

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

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

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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.

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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.

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