Westmoreland Water Federal Credit Union

Headquarters: Greensburg, Pennsylvania
Charter: Credit Union
Assets: $23.5M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

Overdraft (OD)
Westmoreland Water Federal Credit Union: $30
Westmoreland Water Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Westmoreland Water Federal Credit Union: $25
Westmoreland Water Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Westmoreland Water Federal Credit Union: $1
Westmoreland Water Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Cleveland 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 Westmoreland Water Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account closed within 90 days of opening$10
Inactive accounts with balances < & no activity in 12+ months$2
per month
Account research/balancing$10
Not compared: Charged per hour; comparison unavailable
per hour
Excessive withdrawal (as per Regulation D) more than 6 per month$5
per item
Super Share-Excessive withdrawal more than 2 a month$10
per item

Overdraft & NSF

Overdraft protection program$30
per item
Non-sufficient funds$25
per item
Overdraft, paid from shares$3
per item

ATM & Card

ATM withdrawals in excess of 8 a month(Visa Debit Card)$1
per item
Replace lost Debit card$10
per item

Wire Transfers

Wire transfer fee(domestic) OUTGOING$20
per item
Wire transfer fee(international) OUTGOING$30
per item
International INCOMING wire$25
per item

Check Services

Money orders$1
per item
ACH stop payment$20
per item
Stop payment$20
per item · all items

Digital & Electronic

E-Pay(Electronic bill pay)$0.25
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposit item returned$25
per item

Account Services

Subordination agreement | per agreement$100
Account verification letter$10

Lending Fees

Late payment after 10 days$25
Not compared: Monthly charge, not per item
per month
Loan payment late fee$25
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA annual fee$20
per year
IRA transfer to another institution$25
per item

Gift & Prepaid Cards

Visa Gift Card$3
one time

Other Fees

Statement reprint$2

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 90 days of opening	$10	Not stated	None
Inactive accounts with balances < & no activity in 12+ months	$2	per month	None
Account research/balancing	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive withdrawal (as per Regulation D) more than 6 per month	$5	per item	None
Super Share-Excessive withdrawal more than 2 a month	$10	per item	None
Overdraft & NSF
Overdraft protection program	$30	per item	None
Non-sufficient funds	$25	per item	None
Overdraft, paid from shares	$3	per item	None
ATM & Card
ATM withdrawals in excess of 8 a month(Visa Debit Card)	$1	per item	None
Replace lost Debit card	$10	per item	None
Wire Transfers
Wire transfer fee(domestic) OUTGOING	$20	per item	None
Wire transfer fee(international) OUTGOING	$30	per item	None
International INCOMING wire	$25	per item	None
Check Services
Money orders	$1	per item	None
ACH stop payment	$20	per item	None
Stop payment	$20	per item	all items
Digital & Electronic
E-Pay(Electronic bill pay)	$0.25Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposit item returned	$25	per item	None
Account Services
Subordination agreement \| per agreement	$100	Not stated	None
Account verification letter	$10	Not stated	None
Lending Fees
Late payment after 10 days	$25Not compared: Monthly charge, not per item	per month	None
Loan payment late fee	$25Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA annual fee	$20	per year	None
IRA transfer to another institution	$25	per item	None
Gift & Prepaid Cards
Visa Gift Card	$3	one time	None
Other Fees
Statement reprint	$2	Not stated	None

Correct a fee source

Oct 19, 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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