Bcbst Employees Federal Credit Union

Headquarters: Chattanooga, Tennessee
Charter: Credit Union
Assets: $8.3M
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 Bcbst Employees 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.	Bcbst Employees 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: Bcbst Employees 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 $16K in Q2 2026, 6.7% above the same quarter a year earlier ($15K).
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
Bcbst Employees Federal Credit Union: $35
Bcbst Employees Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Bcbst Employees Federal Credit Union: $1
Bcbst Employees Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Bcbst Employees Federal Credit Union: $20
Bcbst Employees Federal Credit Union: $20
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 5.9% from Q3 2025 to Q2 2026, to $16K.

Fee income, Q2 2026

$16K

$17KQ3 2025

$18KQ4 2025

$17KQ1 2026

$16KQ2 2026

Against the median

Bcbst Employees 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

Bcbst Employees Federal Credit Union · $8M in assets

Banks and credit unions in the Chattanooga, TN-GA metro

Banks and credit unions with branches in the Chattanooga, TN-GA metro: the local competitors for deposits and customers. They range from $7M to $4.1T in assets, so compare prices here, not size.

Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).

Banks and credit unions
$7M to $4.1T in assets
Headquartered in 9 states

See the 28 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Bcbst Employees Federal Credit Union(this institution)	Chattanooga, TN	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of America, National Association	Charlotte, NC	$2.7T	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
CB&S Bank, Inc.	Russellville, AL	$3.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	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
Colony Bank	Fitzgerald, GA	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Epb Employees Federal Credit Union	Chattanooga, TN	$43M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Financial Bank, National Association	Terre Haute, IN	$6.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Horizon Bank	Memphis, TN	$84.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First-Citizens Bank & Trust Company	Raleigh, NC	$236.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
FirstBank	Nashville, TN	$16.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Healthcare Services Federal Credit Union	Chattanooga, TN	$26M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
I B E W 175 Federal Credit Union	Chattanooga, TN	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
JPMorgan Chase Bank, National Association	Columbus, OH	$4.1T	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Memorial Federal Credit Union	Chattanooga, TN	$7M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Millennium Bank	Ooltewah, TN	$781M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Old National Bank	Evansville, IN	$73.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peach State Federal Credit Union	Lawrenceville, GA	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pinnacle Bank	Nashville, TN	$128.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Regions Bank	Birmingham, AL	$159.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
RockPointBank, National Association	Chattanooga, TN	$384M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Scenic Community Federal Credit Union	Hixson, TN	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tennessee Valley Federal Credit Union	Chattanooga, TN	$3.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Huntington National Bank	Columbus, OH	$283.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Park National Bank	Newark, OH	$12.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Truist Bank	Charlotte, NC	$548.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Community Bank	Greenville, SC	$29B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Wells Fargo Bank, National Association	Sioux Falls, SD	$1.9T	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
WesBanco Bank, Inc.	Wheeling, WV	$27.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wilson Bank and Trust	Lebanon, TN	$6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

28 peers selected · 19 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Bcbst Employees Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $10 among 19 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 Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Bcbst Employees Federal C…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Compare local deposit competitors in Hamilton

Source: Bank Fee Index, published fee schedules, as of Nov 1, 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 Bcbst Employees 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: $16K
vs prior quarter: −$1K−5.9%; from Q1 2026
vs a year earlier: +$1K+6.7%; from Q2 2025
vs start of range: $00.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Bcbst Employees 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	$16K	−$1K	−5.9%
Q1 2026	$17K	−$1K	−5.6%
Q4 2025	$18K	+$1K	+5.9%
Q3 2025	$17K	+$2K	+13.3%
Q2 2025	$15K	−$1K	−6.3%
Q1 2025	$16K	−$2K	−11.1%
Q4 2024	$18K	+$2K	+12.5%
Q3 2024	$16K	−$4K	−20.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Closed Account Within 6 Months of Opening$10
Dormant Account Charge (Balance less than $25 and more than 1 year with no activity)$10
Not compared: Annual charge, not monthly
per year
Records Research ($15.00 minimum)$15
Paper Statement Fee (if not enrolled in e-Statements)$3

Overdraft & NSF

NSF Fees$35
Overdraft Protection Transfers$5

ATM & Card

ATM Withdrawals$1
per item
Re-Issue ATM / Mastercard Check Card$5

Wire Transfers

Outgoing Wire Transfers$20
Incoming Wire Transfers$10

Check Services

Cashier Checks$5
Money Orders (Cameron Hill only)$1
Stop Pay Fee$35
Photocopy of a Check (Less than 6 months old)$2
Photocopy of a Check (Over 6 months old)$5
Photocopy of Money Orders$5

Lending Fees

Late Payment Fee (Monthly Service Charge)5%($5 minimum)
per month
Late Payment Fee (Monthly Service Charge) (audience not stated, treated as personal)5%($5 minimum)
per month

Retirement & IRA

IRA Early Withdrawal Service Fee (Under 59½ years old)$25

Other Fees

Duplicate Copy of Previous Year’s Statement$5
Duplicate Copy of Same Year’s Statement$3.50
Duplicate Copy of Statement 2005 and Older$5
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Within 6 Months of Opening	$10	Not stated	None
Dormant Account Charge (Balance less than $25 and more than 1 year with no activity)	$10Not compared: Annual charge, not monthly	per year	None
Records Research ($15.00 minimum)	$15	Not stated	None
Paper Statement Fee (if not enrolled in e-Statements)	$3	Not stated	None
Overdraft & NSF
NSF Fees	$35	Not stated	None
Overdraft Protection Transfers	$5	Not stated	None
ATM & Card
ATM Withdrawals	$1	per item	None
Re-Issue ATM / Mastercard Check Card	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfers	$20	Not stated	None
Incoming Wire Transfers	$10	Not stated	None
Check Services
Cashier Checks	$5	Not stated	None
Money Orders (Cameron Hill only)	$1	Not stated	None
Stop Pay Fee	$35	Not stated	None
Photocopy of a Check (Less than 6 months old)	$2	Not stated	None
Photocopy of a Check (Over 6 months old)	$5	Not stated	None
Photocopy of Money Orders	$5	Not stated	None
Lending Fees
Late Payment Fee (Monthly Service Charge)	5%($5 minimum)	per month	None
Late Payment Fee (Monthly Service Charge) (audience not stated, treated as personal)	5%($5 minimum)	per month	None
Retirement & IRA
IRA Early Withdrawal Service Fee (Under 59½ years old)	$25	Not stated	None
Other Fees
Duplicate Copy of Previous Year’s Statement	$5	Not stated	None
Duplicate Copy of Same Year’s Statement	$3.50	Not stated	None
Duplicate Copy of Statement 2005 and Older	$5Not compared: Charged per page; comparison unavailable	per page	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

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