Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Western Division Federal Credit Union

Williamsville, New YorkCredit UnionNew York Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research (Per Hour - Minimum )$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Non-Returned Item (NSF)$30Within the typical range ($25–$31 nationally)
At the national median
Source
Overdraft Transfer$5Within the typical range ($3–$5 nationally)
At the national median
Source

ATM & CardVerified

ATM Withdrawal (Per Month$2Within the typical range ($1–$2.50 nationally)
$0.25 above the national median
per month · Source
Card Expedited Delivery (3-5 Business Days) (Credit or Debit Card)$50Within the typical range ($30–$50 nationally)
$10 above the national median
Source
Card Replacement (Credit or Debit Card)$10Within the typical range ($5–$10 nationally)
At the national median
Source

Check ServicesVerified

Check Cashing (Non-Member, Per Check)$10Within the typical range ($5–$10 nationally)
$5 above the national median
per item · Source
Check Copy (< 6 months/> 6 months)$1Below the typical range ($2–$5 nationally)
$2 below the national median
Source
Corporate Check/Money Order$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Account ServicesVerified

Legal Order (Per Account-Tax Levy, Collection, Records Subpoena)$100Above the typical range ($30–$75 nationally)
$50 above the national median
Source
Notary Public Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Source

Other FeesVerified

Mail - Overnight Delivery (Per Piece – 1lb)$30Within the typical range ($20–$43.75 nationally)
$4.75 above the national median
Source
Statement Copy (Per Statement)$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research (Per Hour - Minimum )	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Holiday Club (Per early withdrawal)	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	—	Source
Return Mail/Incorrect Address	$5Below the typical range ($20–$25 nationally)	$20 below the national median	—	—	Source
Overdraft & NSFVerified
Non-Returned Item (NSF)	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
Overdraft Transfer	$5
ATM & CardVerified
ATM Withdrawal (Per Month	$2Within the typical range ($1–$2.50 nationally)	$0.25 above the national median	per month	—	Source
Card Expedited Delivery (3-5 Business Days) (Credit or Debit Card)	$50
Check ServicesVerified
Check Cashing (Non-Member, Per Check)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per item	—	Source
Check Copy (< 6 months/> 6 months)	$1
Cash & DepositVerified
Cash Advance (Non-Western Division, Per Card)	$10Within the typical range ($2.88–$10 nationally)	$5 above the national median	—	—	Source
Account ServicesVerified
Legal Order (Per Account-Tax Levy, Collection, Records Subpoena)	$100Above the typical range ($30–$75 nationally)	$50 above the national median	—	—	Source
Notary Public Service	$0
Lending FeesVerified
Skip A Pay (per request)	$30Above the typical range ($15–$25 nationally)	$9 above the national median	—	—	Source
Other FeesVerified
Mail - Overnight Delivery (Per Piece – 1lb)	$30Within the typical range ($20–$43.75 nationally)	$4.75 above the national median	—	—	Source
Statement Copy (Per Statement)	$2

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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: $30

NSF fee is aligned with the national median

Total fees: 18 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$223.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$223.9M

Total deposits

$190.3M

Service charge income (year to date)

$172K

Fee income ratio

2.6%

Return on assets

1.96%

Financial profile · Pro

Performance from regulator filings

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

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Based on 34,850 published fee entries from 2,498 institutions

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