Daviess County Teachers Federal Credit Union

Headquarters: Owensboro, Kentucky
Charter: Credit Union
Assets: $75.3M
Fed district: St. Louis

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Daviess County Teachers Federal Credit Union: $30
Daviess County Teachers Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Daviess County Teachers Federal Credit Union: $30
Daviess County Teachers Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Daviess County Teachers Federal Credit Union: $15
Daviess County Teachers 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 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Among its peers

Daviess County Teachers Federal Credit Union · $75M 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.

Credit unions only
$74M to $77M in assets
Headquartered in 18 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
Daviess County Teachers Federal Credit Union(this institution)	Owensboro, KY	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Albright Federal Credit Union	Bethel, CT	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Altamaha Federal Credit Union	Jesup, GA	$74M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Blackstone River Federal Credit Union	Woonsocket, RI	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Champion Federal Credit Union	Toledo, OH	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chattanooga Federal Employees	Chattanooga, TN	$76M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Churchill County Federal Credit Union	Fallon, NV	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Cleveland-Bradley Cty Teacher Federal Credit Union	Cleveland, TN	$74M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Education Personnel Federal Credit Union	Danville, IL	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ely Area Federal Credit Union	Ely, MN	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Evergreendirect Federal Credit Union	Tumwater, WA	$76M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Priority Federal Credit Union	Huntington, WV	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Foundation Federal Credit Union	Springfield, MO	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Health Care Family Federal Credit Union	Saint Louis, MO	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kbr Heritage Federal Credit Union	Houston, TX	$76M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kemba Roanoke Federal Credit Union	Salem, VA	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
L C E Federal Credit Union	Painesville, OH	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members 1St Federal Credit Union	Saint Louis, MO	$76M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Michigan Columbus Federal Credit Union	Livonia, MI	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
New England Teamsters Federal Credit Union	Charlestown, MA	$75M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Omaha Firefighters Federal Credit Union	Omaha, NE	$76M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples Federal Credit Union	Springfield, CO	$75M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southern Federal Credit Union	Houston, TX	$76M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Teamsters Council #37 Federal Credit Union	Portland, OR	$76M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Texan Sky Federal Credit Union	Dumas, TX	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Virginia Educators Credit Union	Newport News, VA	$76M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Daviess County Teachers Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $4 among 9 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Daviess County Teachers Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Daviess County Teachers F…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 31, 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.

Published fee schedule

Amounts from Daviess County Teachers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Annual Inactivity Fee$20
Not compared: Annual charge, not monthly
per year
Account Research$5
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee for Paid Item$30
NSF Fee for Returned Item /(Each time item presents insufficient)$30
per item

ATM & Card

Debit Card Replacement/Reissue Fee$6

Wire Transfers

Wire Out Transfer Fee$15
Incoming Wire Fee$5

Check Services

Cashiers Check$4
Stop Payment Order (lost or stolen Cashiers Check)$30
Stop Payment Order (on us)$30
Temporary / Starter Checks$5
Check Copy / Research, (includes Cashiers Check research)$1
per item

Cash & Deposit

External Card Cash Advance Fee$3

Account Services

Annual Fee (3×5)$15
per year
Annual Fee (5×5)$20
per year
Drilling Fee$10
Not compared: Box drilling or key fee
Key Replacement$25
Not compared: Box drilling or key fee
Garnishment / Levy / BU withholding$20

Retirement & IRA

IRA Rollover/transfer to another institution or early withdrawal resulting in the closing of the IRA Share Certificate$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Annual Inactivity Fee	$20Not compared: Annual charge, not monthly	per year	None
Account Research	$5Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee for Paid Item	$30	Not stated	None
NSF Fee for Returned Item /(Each time item presents insufficient)	$30	per item	None
ATM & Card
Debit Card Replacement/Reissue Fee	$6	Not stated	None
Wire Transfers
Wire Out Transfer Fee	$15	Not stated	None
Incoming Wire Fee	$5	Not stated	None
Check Services
Cashiers Check	$4	Not stated	None
Stop Payment Order (lost or stolen Cashiers Check)	$30	Not stated	None
Stop Payment Order (on us)	$30	Not stated	None
Temporary / Starter Checks	$5	Not stated	None
Check Copy / Research, (includes Cashiers Check research)	$1	per item	None
Cash & Deposit
External Card Cash Advance Fee	$3	Not stated	None
Account Services
Annual Fee (3×5)	$15	per year	None
Annual Fee (5×5)	$20	per year	None
Drilling Fee	$10Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment / Levy / BU withholding	$20	Not stated	None
Retirement & IRA
IRA Rollover/transfer to another institution or early withdrawal resulting in the closing of the IRA Share Certificate	$30	per item	None

Correct a fee source

Nov 4, 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 Daviess County Teachers Federal Credit Union's cashier's check changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Daviess County Teachers Federal Credit Union: $30
Daviess County Teachers Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Daviess County Teachers Federal Credit Union: $30
Daviess County Teachers Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Daviess County Teachers Federal Credit Union: $15
Daviess County Teachers 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 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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.

Among its peers

Daviess County Teachers Federal Credit Union · $75M 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.

Credit unions only
$74M to $77M in assets
Headquartered in 18 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
Daviess County Teachers Federal Credit Union(this institution)	Owensboro, KY	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Albright Federal Credit Union	Bethel, CT	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Altamaha Federal Credit Union	Jesup, GA	$74M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Blackstone River Federal Credit Union	Woonsocket, RI	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Champion Federal Credit Union	Toledo, OH	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chattanooga Federal Employees	Chattanooga, TN	$76M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Churchill County Federal Credit Union	Fallon, NV	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Cleveland-Bradley Cty Teacher Federal Credit Union	Cleveland, TN	$74M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Education Personnel Federal Credit Union	Danville, IL	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ely Area Federal Credit Union	Ely, MN	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Evergreendirect Federal Credit Union	Tumwater, WA	$76M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Priority Federal Credit Union	Huntington, WV	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Foundation Federal Credit Union	Springfield, MO	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Health Care Family Federal Credit Union	Saint Louis, MO	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kbr Heritage Federal Credit Union	Houston, TX	$76M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kemba Roanoke Federal Credit Union	Salem, VA	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
L C E Federal Credit Union	Painesville, OH	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members 1St Federal Credit Union	Saint Louis, MO	$76M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Michigan Columbus Federal Credit Union	Livonia, MI	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
New England Teamsters Federal Credit Union	Charlestown, MA	$75M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Omaha Firefighters Federal Credit Union	Omaha, NE	$76M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples Federal Credit Union	Springfield, CO	$75M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southern Federal Credit Union	Houston, TX	$76M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Teamsters Council #37 Federal Credit Union	Portland, OR	$76M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Texan Sky Federal Credit Union	Dumas, TX	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Virginia Educators Credit Union	Newport News, VA	$76M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Daviess County Teachers Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $4 among 9 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Daviess County Teachers Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Daviess County Teachers F…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 31, 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.

Published fee schedule

Amounts from Daviess County Teachers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Annual Inactivity Fee$20
Not compared: Annual charge, not monthly
per year
Account Research$5
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee for Paid Item$30
NSF Fee for Returned Item /(Each time item presents insufficient)$30
per item

ATM & Card

Debit Card Replacement/Reissue Fee$6

Wire Transfers

Wire Out Transfer Fee$15
Incoming Wire Fee$5

Check Services

Cashiers Check$4
Stop Payment Order (lost or stolen Cashiers Check)$30
Stop Payment Order (on us)$30
Temporary / Starter Checks$5
Check Copy / Research, (includes Cashiers Check research)$1
per item

Cash & Deposit

External Card Cash Advance Fee$3

Account Services

Annual Fee (3×5)$15
per year
Annual Fee (5×5)$20
per year
Drilling Fee$10
Not compared: Box drilling or key fee
Key Replacement$25
Not compared: Box drilling or key fee
Garnishment / Levy / BU withholding$20

Retirement & IRA

IRA Rollover/transfer to another institution or early withdrawal resulting in the closing of the IRA Share Certificate$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Annual Inactivity Fee	$20Not compared: Annual charge, not monthly	per year	None
Account Research	$5Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee for Paid Item	$30	Not stated	None
NSF Fee for Returned Item /(Each time item presents insufficient)	$30	per item	None
ATM & Card
Debit Card Replacement/Reissue Fee	$6	Not stated	None
Wire Transfers
Wire Out Transfer Fee	$15	Not stated	None
Incoming Wire Fee	$5	Not stated	None
Check Services
Cashiers Check	$4	Not stated	None
Stop Payment Order (lost or stolen Cashiers Check)	$30	Not stated	None
Stop Payment Order (on us)	$30	Not stated	None
Temporary / Starter Checks	$5	Not stated	None
Check Copy / Research, (includes Cashiers Check research)	$1	per item	None
Cash & Deposit
External Card Cash Advance Fee	$3	Not stated	None
Account Services
Annual Fee (3×5)	$15	per year	None
Annual Fee (5×5)	$20	per year	None
Drilling Fee	$10Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment / Levy / BU withholding	$20	Not stated	None
Retirement & IRA
IRA Rollover/transfer to another institution or early withdrawal resulting in the closing of the IRA Share Certificate	$30	per item	None

Correct a fee source

Nov 4, 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.