Orion Federal Credit Union

Headquarters: Memphis, Tennessee
Charter: Credit Union
Assets: $1.3B
Fed district: St. Louis

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

Source: its fee schedule, read Oct 23, 2026.

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Fees against the market

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

Monthly Maintenance
Experience More with Orion Free Checking
Orion Federal Credit Union: $5
Orion Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Orion Federal Credit Union: $35
Orion Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Orion Federal Credit Union: $35
Orion Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, 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).
Tennessee: Banks and credit unions headquartered in Tennessee 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.

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Published fee schedule

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

Account Maintenance

Monthly fee$5
per month
Closure of Primary Account within 6 months of opening$10
Dormant Account Fee$10
per month
Account Research two hour minimum$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research two hour minimum | $25/hour
Mailed statements and notices (does not apply to members or under 18)$5
per month
Invalid Address$5
per month

Overdraft & NSF

Paid item drawn on your Orion account$35
Returned item drawn on your non-Orion account$35

ATM & Card

Withdrawal, Transfers, Balance Inquiries at non-Orion ATMs$1
Debit or ATM Card Replacement$10
Card - rush delivery$35

Wire Transfers

Domestic Wire Transfer (outgoing)$20
Incoming Wire Transfer$15
Foreign Wire Transfer (outgoing, over $16,000)$85
Foreign Wire Transfer (outgoing, up to $16,000)$65

Check Services

Stop Payment (any check type)$35
Check Cashing Fee$5
Copy of Draft - Other$3
Copy of Draft - via Online BankingNo charge

Digital & Electronic

Electronic Bill PaymentNo charge

Cash & Deposit

Cash Advance Fee5%of the advance ($10 minimum)
Non-Orion Credit Card Cash Advance (in-branch)$3

Account Services

Legal order to turn over your funds or property$75
Verification of Deposit (by 3rd party)$10

Other Fees

Copy of Official (Cashier's) Check$3

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Closure of Primary Account within 6 months of opening	$10	Not stated	None
Dormant Account Fee	$10	per month	None
Account Research two hour minimum	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research two hour minimum \| $25/hour
Mailed statements and notices (does not apply to members or under 18)	$5	per month	None
Invalid Address	$5	per month	None
Overdraft & NSF
Paid item drawn on your Orion account	$35	Not stated	None
Returned item drawn on your non-Orion account	$35	Not stated	None
ATM & Card
Withdrawal, Transfers, Balance Inquiries at non-Orion ATMs	$1	Not stated	None
Debit or ATM Card Replacement	$10	Not stated	None
Card - rush delivery	$35	Not stated	None
Wire Transfers
Domestic Wire Transfer (outgoing)	$20	Not stated	None
Incoming Wire Transfer	$15	Not stated	None
Foreign Wire Transfer (outgoing, over $16,000)	$85	Not stated	None
Foreign Wire Transfer (outgoing, up to $16,000)	$65	Not stated	None
Check Services
Stop Payment (any check type)	$35	Not stated	None
Check Cashing Fee	$5	Not stated	None
Copy of Draft - Other	$3	Not stated	None
Copy of Draft - via Online Banking	No charge	Not stated	None
Digital & Electronic
Electronic Bill Payment	No charge	Not stated	None
Cash & Deposit
Cash Advance Fee	5%of the advance ($10 minimum)	Not stated	None
Non-Orion Credit Card Cash Advance (in-branch)	$3	Not stated	None
Account Services
Legal order to turn over your funds or property	$75	Not stated	None
Verification of Deposit (by 3rd party)	$10	Not stated	None
Other Fees
Copy of Official (Cashier's) Check	$3	Not stated	None

Correct a fee source

Oct 23, 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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