Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Beacon Financial Federal Credit Union

Johnson City, TennesseeCredit UnionAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research Fee (per hour) Up to$75Above the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=account_research; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Account Research Fee (per hour) Up to $75.00" · Source

Early Account Closure Fee (Open 90 days or less)$25

$10 above the national median

Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=early_closure; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Early Account Closure Fee (Open 90 days or less) $25.00" · Source

Inactive Account (One year with no activity)$25

$20 above the national median

per month · Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=dormant_account; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Inactive Account (One year with no activity) $25.00/monthly" · Source

Overdraft & NSFVerified

Insufficient Funds (Return Checks)$35Above the typical range ($25–$32 nationally)
$6 above the national median
Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=nsf; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Insufficient Funds (Return Checks) $35.00" · Source

ATM & CardVerified

International Transaction Fee$1.50Below the typical range ($2–$10 nationally)
$3.50 below the national median
Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=card_foreign_txn; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="International Transaction Fee $1.50" · Source
Replacement of a Debit Card (For lost cards-not for fraud or theft)$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=card_replacement; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Replacement of a Debit Card (For lost cards-not for fraud or theft) $10.00" · Source

Check ServicesVerified

Check Cashing Fee (W/O multiple services or$100Above the typical range ($5–$10 nationally)
$95 above the national median
Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=check_cashing; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Check Cashing Fee (W/O multiple services or $100 min balance) $10.00" · Source

Cash & DepositVerified

Deposited Item Returned Fee$35Above the typical range ($9.50–$25 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=deposited_item_return; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Deposited Item Returned Fee $35.00" · Source

Account ServicesVerified

Tax, Levy/Legal Notice Fee$20Below the typical range ($25–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=garnishment_levy; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Tax, Levy/Legal Notice Fee $20.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research Fee (per hour) Up to	$75Above the typical range ($15–$25 nationally)	$55 above the national median	—	Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=account_research; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Account Research Fee (per hour) Up to $75.00"	Source
Early Account Closure Fee (Open 90 days or less)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=early_closure; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Early Account Closure Fee (Open 90 days or less) $25.00"	Source
Inactive Account (One year with no activity)	$25Above the typical range ($5–$10 nationally)	$20 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=dormant_account; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Inactive Account (One year with no activity) $25.00/monthly"	Source
Overdraft & NSFVerified
Insufficient Funds (Return Checks)	$35Above the typical range ($25–$32 nationally)	$6 above the national median	—	Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=nsf; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Insufficient Funds (Return Checks) $35.00"	Source
ATM & CardVerified
International Transaction Fee	$1.50Below the typical range ($2–$10 nationally)	$3.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=card_foreign_txn; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="International Transaction Fee $1.50"	Source
Replacement of a Debit Card (For lost cards-not for fraud or theft)
Check ServicesVerified
Check Cashing Fee (W/O multiple services or	$100Above the typical range ($5–$10 nationally)	$95 above the national median	—	Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=check_cashing; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Check Cashing Fee (W/O multiple services or $100 min balance) $10.00"	Source
Cash & DepositVerified
Deposited Item Returned Fee	$35Above the typical range ($9.50–$25 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=deposited_item_return; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Deposited Item Returned Fee $35.00"	Source
Account ServicesVerified
Tax, Levy/Legal Notice Fee	$20Below the typical range ($25–$75 nationally)	$30 below the national median	—	Knox deterministic extraction from Rosetta artifact #2333. canonical_hint=garnishment_levy; text_hash=a18129de9c1413c3f5d0621a1e94bfd51afa8e651b45d47f01d89566dfedd8e3; excerpt="Tax, Levy/Legal Notice Fee $20.00"	Source

Fee change alerts

Get an email when Beacon Financial Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Beacon Financial Federal Credit Union? Benchmark it against peers, free

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $35

21% above the national median NSF fee

Total fees: 9 — leaner than most institutions

Verified fees

Under review

Assets

$27.9M

Work at Beacon Financial Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$27.9M

Total deposits

$26.0M

Service charge income (year to date)

$166K

Fee income ratio

15.6%

Return on assets

0.04%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

See pricing