Gateway Federal Credit Union

Headquarters: Clarksville, Tennessee
Charter: Credit Union
Assets: $16.3M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 20, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Gateway Federal Credit Union: $35
Gateway Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Gateway Federal Credit Union: $35
Gateway Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Compared at $1, the middle of its prices
Gateway Federal Credit Union: $1 to $2
Gateway Federal Credit Union: $1 to $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 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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Published fee schedule

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

Account Maintenance

Close account within 90 days$10
Inactive member charge per year (balance below $25.00)$5
Not compared: Annual charge, not monthly
per year
Account activity print-out (phone, fax, or in person)$2
Fax/Email service$2
Paper Statement fee$3
Not compared: Quarterly charge, not monthly
per quarter
Excessive withdrawal (more than 3 per quarter)$10
Not compared: Quarterly charge, not per item
per quarter
Excessive withdrawal (more than 3 per quarter)$2
Not compared: Quarterly charge, not per item
per quarter
Incorrect Address/Return Mail$10

Overdraft & NSF

Member Privilege per item (Courtesy Pay)$35
per item
Insufficient funds per item (NSF)$35
per item
Overdraft Transfer to Checking$5

ATM & Card

ATM Balance Inquiry$2
Card use outside CO-OP Network at a Foreign ATM$1
Card within CO-OP Network at a Foreign ATM$1
Card Replacement$10
Replacement of lost/stolen/damaged card$12

Wire Transfers

Wire Transfer (outgoing)$20
Wire Transfer (incoming)$20

Check Services

Cashier’s Checks/Corporate Drafts (not payable to account owner)$5
Money Orders$3
Money Orders (Members age 55+)No charge
Money Orders (Non-Members)$8
Stop payment draft (check) or ACH$20
Non-member check cashing$10
Non-member check cashing1%
Copy of original draft (check)$3

Digital & Electronic

Inactive Bill Pay Fee (3 months of inactivity)$5

Cash & Deposit

Over the Phone Cash Advance (loan payments)$3
Deposited Item Return$30

Account Services

Notary ServiceNo charge
Notary Service (Non-Members)$10

Lending Fees

Late fee (after 10 days)$25

Gift & Prepaid Cards

Visa Gift Card$4

Other Fees

Duplicate account statements$5
Statement Copy$10
Loan Application Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Close account within 90 days	$10	Not stated	None
Inactive member charge per year (balance below $25.00)	$5Not compared: Annual charge, not monthly	per year	None
Account activity print-out (phone, fax, or in person)	$2	Not stated	None
Fax/Email service	$2	Not stated	None
Paper Statement fee	$3Not compared: Quarterly charge, not monthly	per quarter	None
Excessive withdrawal (more than 3 per quarter)	$10Not compared: Quarterly charge, not per item	per quarter	None
Excessive withdrawal (more than 3 per quarter)	$2Not compared: Quarterly charge, not per item	per quarter	None
Incorrect Address/Return Mail	$10	Not stated	None
Overdraft & NSF
Member Privilege per item (Courtesy Pay)	$35	per item	None
Insufficient funds per item (NSF)	$35	per item	None
Overdraft Transfer to Checking	$5	Not stated	None
ATM & Card
ATM Balance Inquiry	$2	Not stated	None
Card use outside CO-OP Network at a Foreign ATM	$1	Not stated	None
Card within CO-OP Network at a Foreign ATM	$1	Not stated	None
Card Replacement	$10	Not stated	None
Replacement of lost/stolen/damaged card	$12	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$20	Not stated	None
Wire Transfer (incoming)	$20	Not stated	None
Check Services
Cashier’s Checks/Corporate Drafts (not payable to account owner)	$5	Not stated	None
Money Orders	$3	Not stated	None
Money Orders (Members age 55+)	No charge	Not stated	None
Money Orders (Non-Members)	$8	Not stated	None
Stop payment draft (check) or ACH	$20	Not stated	None
Non-member check cashing	$10	Not stated	None
Non-member check cashing	1%	Not stated	None
Copy of original draft (check)	$3	Not stated	None
Digital & Electronic
Inactive Bill Pay Fee (3 months of inactivity)	$5	Not stated	None
Cash & Deposit
Over the Phone Cash Advance (loan payments)	$3	Not stated	None
Deposited Item Return	$30	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Notary Service (Non-Members)	$10	Not stated	None
Lending Fees
Late fee (after 10 days)	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$4	Not stated	None
Other Fees
Duplicate account statements	$5	Not stated	None
Statement Copy	$10	Not stated	None
Loan Application Fee	$30	Not stated	None

Correct a fee source

Oct 20, 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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