Westside Community Federal Credit Union

Headquarters: Churchville, New York
Charter: Credit Union
Assets: $25.7M
Fed district: New York

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

NSF / Returned Item
Westside Community Federal Credit Union: $35
Westside Community Federal Credit Union: $35
U.S. median: no median
Stop Payment
Westside Community Federal Credit Union: $35
Westside Community Federal Credit Union: $35
U.S. median: no median
Debit Card Replacement
Westside Community Federal Credit Union: $5
Westside Community Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

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

Account Maintenance

Account Closure within first 6 months$5
one time
Dormant Savings – no activity 24 months$5
per month
Returned Mail$2
Not compared: Per-occurrence charge, not monthly
per item · after 2 times

Overdraft & NSF

ACH Insufficient Funds$35
Insufficient Funds$35
per item
Returned Check Fee$35
per item

ATM & Card

Replace ATM/Debit Card$5
per item
Replace ATM/Debit Card: Rush Order$20

Check Services

Official Credit Union Checks$3
per item
ACH Stop Payment$35
per item
Stop Payment$35
per item
Stop Payment of Credit Union Check$35
Copy of Check$2
per item

Account Services

Legal Action Compliance$75
per item

Lending Fees

Home Equity Late Payment$25
per item · after 10 days
Home Equity Late Payment (after 10 days)$25
Loans not Picked Up, Cancelled or Modified$20
per item

Other Fees

Copy of Statement$2
Fax Service$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closure within first 6 months	$5	one time	None
Dormant Savings – no activity 24 months	$5	per month	None
Returned Mail	$2Not compared: Per-occurrence charge, not monthly	per item	after 2 times
Overdraft & NSF
ACH Insufficient Funds	$35	Not stated	None
Insufficient Funds	$35	per item	None
Returned Check Fee	$35	per item	None
ATM & Card
Replace ATM/Debit Card	$5	per item	None
Replace ATM/Debit Card: Rush Order	$20	Not stated	None
Check Services
Official Credit Union Checks	$3	per item	None
ACH Stop Payment	$35	per item	None
Stop Payment	$35	per item	None
Stop Payment of Credit Union Check	$35	Not stated	None
Copy of Check	$2	per item	None
Account Services
Legal Action Compliance	$75	per item	None
Lending Fees
Home Equity Late Payment	$25	per item	after 10 days
Home Equity Late Payment (after 10 days)	$25	Not stated	None
Loans not Picked Up, Cancelled or Modified	$20	per item	None
Other Fees
Copy of Statement	$2	Not stated	None
Fax Service	$2	per item	None

Correct a fee source

Oct 5, 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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