Patriot Equity Federal Credit Union

Headquarters: Jackson, Tennessee
Charter: Credit Union
Assets: $33.0M
Fed district: St. Louis

19 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.

Overdraft (OD)
Patriot Equity Federal Credit Union: $39
Patriot Equity Federal Credit Union: $39
U.S. median: no median
NSF / Returned Item
Patriot Equity Federal Credit Union: $39
Patriot Equity Federal Credit Union: $39
U.S. median: no median
Non-Network ATM
Patriot Equity Federal Credit Union: $3
Patriot Equity Federal Credit Union: $3
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 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 Patriot Equity Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closed Account Fee$10
Account Dormancy Fee(For acct balance less than $100.No Dep or W/D for 6 months)$5
per month
Account Research Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Return Statement Fee$5

Overdraft & NSF

Courtesy Pay Fee$39
per item
ACH NSF Fee$39
per item
EFT NSF Fee$39
per item
Share Draft NSF$39
per item

ATM & Card

Foreign ATM Fee$3
Replacement Debit Card (Lost/Stolen)$10

Wire Transfers

International Wire Fee$50

Check Services

Money Order$3
Stop Pay Fee, ACH$39
Stop Pay Fee, CU Draft$39
Temporary Check Fee$4
per item · Per page (4 checks per page)
Foreign Item Collection Fee$15
Share Draft (Check) Copy Fee$2

Digital & Electronic

Bill Payment Fee If purchased outside of plan code$4

Cash & Deposit

Returned Deposit Fee$10
per item

Account Services

Safe Deposit Fee$20
per year
Levy/Garnishment Fee$50

Lending Fees

Loan Late Fee (audience not stated, treated as personal)5%($15 minimum)

Gift & Prepaid Cards

Gift Card Fee$5

Other Fees

Copy Fee$2

Fee	Amount	Basis	Note
Account Maintenance
Early Closed Account Fee	$10	Not stated	None
Account Dormancy Fee(For acct balance less than $100.No Dep or W/D for 6 months)	$5	per month	None
Account Research Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Return Statement Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$39	per item	None
ACH NSF Fee	$39	per item	None
EFT NSF Fee	$39	per item	None
Share Draft NSF	$39	per item	None
ATM & Card
Foreign ATM Fee	$3	Not stated	None
Replacement Debit Card (Lost/Stolen)	$10	Not stated	None
Wire Transfers
International Wire Fee	$50	Not stated	None
Check Services
Money Order	$3	Not stated	None
Stop Pay Fee, ACH	$39	Not stated	None
Stop Pay Fee, CU Draft	$39	Not stated	None
Temporary Check Fee	$4	per item	Per page (4 checks per page)
Foreign Item Collection Fee	$15	Not stated	None
Share Draft (Check) Copy Fee	$2	Not stated	None
Digital & Electronic
Bill Payment Fee If purchased outside of plan code	$4	Not stated	None
Cash & Deposit
Returned Deposit Fee	$10	per item	None
Account Services
Safe Deposit Fee	$20	per year	None
Levy/Garnishment Fee	$50	Not stated	None
Lending Fees
Loan Late Fee (audience not stated, treated as personal)	5%($15 minimum)	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$5	Not stated	None
Other Fees
Copy Fee	$2	Not stated	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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