Beacon Financial Federal Credit Union

Headquarters: Johnson City, Tennessee
Charter: Credit Union
Assets: $27.9M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
Beacon Financial Federal Credit Union: $35
Beacon Financial Federal Credit Union: $35
U.S. median: no median
Foreign Transaction
Beacon Financial Federal Credit Union: $1.50
Beacon Financial Federal Credit Union: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
Beacon Financial Federal Credit Union: $35
Beacon Financial 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 4, 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.

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Among its peers

Beacon Financial Federal Credit Union · $28M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$27M to $29M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Beacon Financial Federal Credit Union(this institution)	Johnson City, TN	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
2 Rivers Area Federal Credit Union	Kankakee, IL	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Aegis Federal Credit Union	Clinton, IA	$27M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Butler County Teachers Federal Credit Union	Butler, PA	$29M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Chicago Post Office Employees Federal Credit Union	Chicago, IL	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Connect Federal Credit Union	Titusville, PA	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Coweta Cities & County Employees Federal Credit Union	Newnan, GA	$28M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dallas U.P. Employees Federal Credit Union	Dallas, TX	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Emerald Empire Federal Credit Union	Springfield, OR	$29M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Florida A & M University Federal Credit Union	Tallahassee, FL	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Haverhill Fire Department Federal Credit Union	Haverhill, MA	$28M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Jemez Valley Federal Credit Union	Jemez Springs, NM	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lakes Federal Credit Union	Monticello, IN	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Latvian Cleveland Federal Credit Union	Lakewood, OH	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lexington Postal Community Federal Credit Union	Lexington, KY	$27M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mattel Federal Credit Union	El Segundo, CA	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Montcalm Public Employees Federal Credit Union	Edmore, MI	$27M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
New Heights Federal Credit Union	Logan, UT	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Norfolk Fire Department Federal Credit Union	Norfolk, VA	$27M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Olean Teachers' And Postal Federal Credit Union	Olean, NY	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ridgeline Federal Credit Union	Salt Lake City, UT	$28M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Rocket Federal Credit Union	McGregor, TX	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southern Pine Federal Credit Union	Lake Park, GA	$28M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tri-Lakes Federal Credit Union	Saranac Lake, NY	$29M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Union Fidelity Federal Credit Union	Houston, TX	$28M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Wee Federal Credit Union	Parkersburg, WV	$29M	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.

25 peers selected · 14 publish this fee(domestic wire)

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

Fee type

Peer pricing snapshot

Domestic wire is $15 (75%) above the median of similar-sized credit unions.

Its published price is $35, against a peer median of $20 among 14 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 Oct 31, 2026.

Domestic wire fee in dollars, one mark per institution

Beacon Financial Federal…Peer (equal prices stack)Peer median

Against this institution's domestic wire fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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.

Published fee schedule

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

Account Maintenance

Early Account Closure Fee (Open 90 days or less)$25
Inactive Account (One year with no activity)$25
per month
Printed Statement Fee$5
Return Mail Fee$10

Overdraft & NSF

ACH Insufficient Funds$35
Courtesy Pay (NSF)$35

ATM & Card

Replacement of a Debit Card (For lost cards-not for fraud or theft)$10
International Transaction Fee$1.50

Wire Transfers

Domestic Wires (Outgoing Only)$35
International Wires$50

Check Services

Certified Check (One free a day)$5
per item
Stop Payments (Checks or EFT/ACH)$35
Check Cashing Fee (W/O multiple services or min balance)$10
Copy of Draft (VolCorp)$5

Cash & Deposit

Deposited Item Returned Fee$35

Account Services

Tax, Levy/Legal Notice Fee$20

Lending Fees

Late Fee (audience not stated, treated as personal)5%

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee (Open 90 days or less)	$25	Not stated	None
Inactive Account (One year with no activity)	$25	per month	None
Printed Statement Fee	$5	Not stated	None
Return Mail Fee	$10	Not stated	None
Overdraft & NSF
ACH Insufficient Funds	$35	Not stated	None
Courtesy Pay (NSF)	$35	Not stated	None
ATM & Card
Replacement of a Debit Card (For lost cards-not for fraud or theft)	$10	Not stated	None
International Transaction Fee	$1.50	Not stated	None
Wire Transfers
Domestic Wires (Outgoing Only)	$35	Not stated	None
International Wires	$50	Not stated	None
Check Services
Certified Check (One free a day)	$5	per item	None
Stop Payments (Checks or EFT/ACH)	$35	Not stated	None
Check Cashing Fee (W/O multiple services or min balance)	$10	Not stated	None
Copy of Draft (VolCorp)	$5	Not stated	None
Cash & Deposit
Deposited Item Returned Fee	$35	Not stated	None
Account Services
Tax, Levy/Legal Notice Fee	$20	Not stated	None
Lending Fees
Late Fee (audience not stated, treated as personal)	5%	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

Oct 4, 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

Get an email when Beacon Financial Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

NSF / Returned Item
Beacon Financial Federal Credit Union: $35
Beacon Financial Federal Credit Union: $35
U.S. median: no median
Foreign Transaction
Beacon Financial Federal Credit Union: $1.50
Beacon Financial Federal Credit Union: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
Beacon Financial Federal Credit Union: $35
Beacon Financial 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 4, 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.

Among its peers

Beacon Financial Federal Credit Union · $28M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$27M to $29M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Beacon Financial Federal Credit Union(this institution)	Johnson City, TN	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
2 Rivers Area Federal Credit Union	Kankakee, IL	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Aegis Federal Credit Union	Clinton, IA	$27M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Butler County Teachers Federal Credit Union	Butler, PA	$29M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Chicago Post Office Employees Federal Credit Union	Chicago, IL	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Connect Federal Credit Union	Titusville, PA	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Coweta Cities & County Employees Federal Credit Union	Newnan, GA	$28M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dallas U.P. Employees Federal Credit Union	Dallas, TX	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Emerald Empire Federal Credit Union	Springfield, OR	$29M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Florida A & M University Federal Credit Union	Tallahassee, FL	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Haverhill Fire Department Federal Credit Union	Haverhill, MA	$28M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Jemez Valley Federal Credit Union	Jemez Springs, NM	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lakes Federal Credit Union	Monticello, IN	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Latvian Cleveland Federal Credit Union	Lakewood, OH	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lexington Postal Community Federal Credit Union	Lexington, KY	$27M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mattel Federal Credit Union	El Segundo, CA	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Montcalm Public Employees Federal Credit Union	Edmore, MI	$27M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
New Heights Federal Credit Union	Logan, UT	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Norfolk Fire Department Federal Credit Union	Norfolk, VA	$27M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Olean Teachers' And Postal Federal Credit Union	Olean, NY	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ridgeline Federal Credit Union	Salt Lake City, UT	$28M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Rocket Federal Credit Union	McGregor, TX	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southern Pine Federal Credit Union	Lake Park, GA	$28M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tri-Lakes Federal Credit Union	Saranac Lake, NY	$29M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Union Fidelity Federal Credit Union	Houston, TX	$28M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Wee Federal Credit Union	Parkersburg, WV	$29M	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.

25 peers selected · 14 publish this fee(domestic wire)

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

Fee type

Peer pricing snapshot

Domestic wire is $15 (75%) above the median of similar-sized credit unions.

Its published price is $35, against a peer median of $20 among 14 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 Oct 31, 2026.

Domestic wire fee in dollars, one mark per institution

Beacon Financial Federal…Peer (equal prices stack)Peer median

Against this institution's domestic wire fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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.

Published fee schedule

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

Account Maintenance

Early Account Closure Fee (Open 90 days or less)$25
Inactive Account (One year with no activity)$25
per month
Printed Statement Fee$5
Return Mail Fee$10

Overdraft & NSF

ACH Insufficient Funds$35
Courtesy Pay (NSF)$35

ATM & Card

Replacement of a Debit Card (For lost cards-not for fraud or theft)$10
International Transaction Fee$1.50

Wire Transfers

Domestic Wires (Outgoing Only)$35
International Wires$50

Check Services

Certified Check (One free a day)$5
per item
Stop Payments (Checks or EFT/ACH)$35
Check Cashing Fee (W/O multiple services or min balance)$10
Copy of Draft (VolCorp)$5

Cash & Deposit

Deposited Item Returned Fee$35

Account Services

Tax, Levy/Legal Notice Fee$20

Lending Fees

Late Fee (audience not stated, treated as personal)5%

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee (Open 90 days or less)	$25	Not stated	None
Inactive Account (One year with no activity)	$25	per month	None
Printed Statement Fee	$5	Not stated	None
Return Mail Fee	$10	Not stated	None
Overdraft & NSF
ACH Insufficient Funds	$35	Not stated	None
Courtesy Pay (NSF)	$35	Not stated	None
ATM & Card
Replacement of a Debit Card (For lost cards-not for fraud or theft)	$10	Not stated	None
International Transaction Fee	$1.50	Not stated	None
Wire Transfers
Domestic Wires (Outgoing Only)	$35	Not stated	None
International Wires	$50	Not stated	None
Check Services
Certified Check (One free a day)	$5	per item	None
Stop Payments (Checks or EFT/ACH)	$35	Not stated	None
Check Cashing Fee (W/O multiple services or min balance)	$10	Not stated	None
Copy of Draft (VolCorp)	$5	Not stated	None
Cash & Deposit
Deposited Item Returned Fee	$35	Not stated	None
Account Services
Tax, Levy/Legal Notice Fee	$20	Not stated	None
Lending Fees
Late Fee (audience not stated, treated as personal)	5%	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

Oct 4, 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.