27 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 23, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from Scenic Community Federal Credit Union’s own schedules, with a source for each figure.
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Share Account Closing Within 180 Days of Opening | $10 | Not stated | None |
| Account Reconciliation – per hour (1 hour minimum) | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Car Fax | $17 | Not stated | None |
| Debit Card Dispute with Merchant/Filing Fee | $25 | Not stated | None |
| Paper Statement | $2 | Not stated | None |
| Money Manager Excessive Withdrawal Fee | $3 | per item | None |
| Returned Statement or Document Due to Incorrect Address | $5 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay (opt-in required) | $30 | Not stated | None |
| Check Return Item on SCCU Payments | $30 | Not stated | None |
| Share Draft – Non-Sufficient Funds | $30 | Not stated | None |
| Overdraft Transfer from Share to Share Draft | $5 | Not stated | None |
ATM & Card | |||
| Use of ATM Card at merchant or non-SCCU or non-Co-Op ATMs – per transaction | $2 | per item | None |
| Use of Visa Debit card at non-SCCU or non-Co-Op ATMs – per transaction | $2 | per item | None |
| Reissue any plastic card – Lost, stolen, or reissued due to card cancellation | $10 | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer – Domestic (Individual) | $20 | Not stated | None |
| Incoming Wire Transfer – Domestic (Individual) | $10 | Not stated | None |
| Outgoing Wire Transfer – International (Individual) | $50 | Not stated | None |
| Incoming Wire Transfer – International (Individual) | $10 | Not stated | None |
Check Services | |||
| Cashier’s Checks (Each) | $5 | per item | None |
| Converting On-Us Check to SCCU Cashier Check | $10 | Not stated | None |
| Money Orders (Each) | $5 | per item | None |
| Request a Stop Payment | $20 | Not stated | None |
| Stop Payment – Share Draft or ACH | $30 | Not stated | None |
| Counter Checks (MICR Checks) | $2 | per item | None |
| Check Cashing (non-members, per on-us check) | $5 | Not stated | None |
| Photocopy – Per Item | $2 | per item | None |
Account Services | |||
| Notary Service on non-SCCU related mortgage documents | $25 | Not stated | None |
| Account Garnishment/Levy | $50 | Not stated | None |
| Mortgage Subordination Agreement Fee | $250 | Not stated | None |
| Verification of Deposit | $10 | Not stated | None |
Lending Fees | |||
| Loan Late Charge | 5%($5 minimum) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $5 | Not stated | None |
Other Fees | |||
| Fax Transmission Local | $0.50 | per item | None |
| Midmonth Statement Printout | $1 | per item | None |
| Statement Copy – older than 3 months – per statement fee, plus applicable research fee | $1 | per item | None |
| Non-Member Consumer Loan Application (fee waived upon SCCU loan funding) | $25 | Not stated | None |
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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