Western Division Federal Credit Union

Headquarters: Williamsville, New York
Charter: Credit Union
Assets: $223.9M
Fed district: New York

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

Source: its fee schedule, read Oct 16, 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
Western Division Federal Credit Union: $30
Western Division Federal Credit Union: $30
U.S. median: no median
Stop Payment
Western Division Federal Credit Union: $30
Western Division Federal Credit Union: $30
U.S. median: no median
OD Protection Transfer
Western Division Federal Credit Union: $5
Western Division 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 16, 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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Among its peers

Western Division Federal Credit Union · $224M 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 17 states.

Credit unions only
$217M to $231M in assets
Headquartered in 17 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
Western Division Federal Credit Union(this institution)	Williamsville, NY	$224M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Acipco Federal Credit Union	Birmingham, AL	$221M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Autotruck Financial Federal Credit Union	Louisville, KY	$220M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cal-Com Federal Credit Union	Port Lavaca, TX	$226M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Campco Federal Credit Union	Gillette, WY	$228M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Canopy Federal Credit Union	Spokane, WA	$222M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Carolina Foothills Federal Credit Union	Spartanburg, SC	$224M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Chaffey Federal Credit Union	Upland, CA	$230M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chrome Federal Credit Union	Canonsburg, PA	$224M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Clearpath Federal Credit Union	Burbank, CA	$229M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Expedition Federal Credit Union	Mendota Heights, MN	$223M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fort Mcclellan Federal Credit Union	Anniston, AL	$224M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
H E B Federal Credit Union	San Antonio, TX	$218M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Harris County Federal Credit Union	Houston, TX	$223M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hawaii Law Enforcement Federal Credit Union	Honolulu, HI	$230M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hometown Federal Credit Union	Kulm, ND	$223M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Midwest Members Federal Credit Union	Wood River, IL	$227M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
New Cumberland Federal Credit Union	New Cumberland, PA	$229M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Parda Federal Credit Union	Auburn Hills, MI	$217M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Stark Federal Credit Union	canton, OH	$218M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texasgulf Federal Credit Union	Wharton, TX	$220M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The People'S Federal Credit Union	Amarillo, TX	$229M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U S #1364 Federal Credit Union	Merrillville, IN	$222M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Consumers Federal Credit Union	Independence, MO	$217M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Urw Community Federal Credit Union	Danville, VA	$224M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Westex Community Federal Credit Union	Kermit, TX	$231M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Western Division Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.75 among 8 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.

Monthly maintenance fee in dollars, one mark per institution

Western Division Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Western Division Federal…Peer (equal prices stack)Peer median

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 Western Division Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Inactivity (Per Quarter)$10
Not compared: Quarterly charge, not monthly
per quarter
Account Research (Per Hour - Minimum $25.00)$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail/Incorrect Address$5

Overdraft & NSF

Non-Returned Item (NSF)$30
Non-Sufficient Funds (NSF)$30
Overdraft Transfer$5

ATM & Card

ATM Withdrawal$2
Not compared: Monthly charge, not per item
per month
Card Replacement (Credit or Debit Card)$10
Card Expedited Delivery (3-5 Business Days) (Credit or Debit Card)$50

Check Services

Stop Payment$30
Check Cashing (Non-Member, Per Check)$10
per item
Check Copy (< 6 months/> 6 months)$1

Cash & Deposit

Cash Advance (Non-Western Division, Per Card)$10
per item

Account Services

Notary Public ServiceNo charge
Legal Order (Per Account-Tax Levy, Collection, Records Subpoena)$100

Other Fees

Mail - Overnight Delivery (Per Piece – 1lb)$30
per item
Statement Copy (Per Statement)$2

Fee	Amount	Basis	Note
Account Maintenance
Account Inactivity (Per Quarter)	$10Not compared: Quarterly charge, not monthly	per quarter	None
Account Research (Per Hour - Minimum $25.00)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail/Incorrect Address	$5	Not stated	None
Overdraft & NSF
Non-Returned Item (NSF)	$30	Not stated	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
Overdraft Transfer	$5	Not stated	None
ATM & Card
ATM Withdrawal	$2Not compared: Monthly charge, not per item	per month	None
Card Replacement (Credit or Debit Card)	$10	Not stated	None
Card Expedited Delivery (3-5 Business Days) (Credit or Debit Card)	$50	Not stated	None
Check Services
Stop Payment	$30	Not stated	None
Check Cashing (Non-Member, Per Check)	$10	per item	None
Check Copy (< 6 months/> 6 months)	$1	Not stated	None
Cash & Deposit
Cash Advance (Non-Western Division, Per Card)	$10	per item	None
Account Services
Notary Public Service	No charge	Not stated	None
Legal Order (Per Account-Tax Levy, Collection, Records Subpoena)	$100	Not stated	None
Other Fees
Mail - Overnight Delivery (Per Piece – 1lb)	$30	per item	None
Statement Copy (Per Statement)	$2	Not stated	None

Correct a fee source

Oct 16, 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 Western Division Federal Credit Union's foreign transaction 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
Western Division Federal Credit Union: $30
Western Division Federal Credit Union: $30
U.S. median: no median
Stop Payment
Western Division Federal Credit Union: $30
Western Division Federal Credit Union: $30
U.S. median: no median
OD Protection Transfer
Western Division Federal Credit Union: $5
Western Division 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 16, 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.

Among its peers

Western Division Federal Credit Union · $224M 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 17 states.

Credit unions only
$217M to $231M in assets
Headquartered in 17 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
Western Division Federal Credit Union(this institution)	Williamsville, NY	$224M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Acipco Federal Credit Union	Birmingham, AL	$221M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Autotruck Financial Federal Credit Union	Louisville, KY	$220M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cal-Com Federal Credit Union	Port Lavaca, TX	$226M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Campco Federal Credit Union	Gillette, WY	$228M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Canopy Federal Credit Union	Spokane, WA	$222M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Carolina Foothills Federal Credit Union	Spartanburg, SC	$224M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Chaffey Federal Credit Union	Upland, CA	$230M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chrome Federal Credit Union	Canonsburg, PA	$224M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Clearpath Federal Credit Union	Burbank, CA	$229M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Expedition Federal Credit Union	Mendota Heights, MN	$223M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fort Mcclellan Federal Credit Union	Anniston, AL	$224M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
H E B Federal Credit Union	San Antonio, TX	$218M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Harris County Federal Credit Union	Houston, TX	$223M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hawaii Law Enforcement Federal Credit Union	Honolulu, HI	$230M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hometown Federal Credit Union	Kulm, ND	$223M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Midwest Members Federal Credit Union	Wood River, IL	$227M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
New Cumberland Federal Credit Union	New Cumberland, PA	$229M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Parda Federal Credit Union	Auburn Hills, MI	$217M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Stark Federal Credit Union	canton, OH	$218M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texasgulf Federal Credit Union	Wharton, TX	$220M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The People'S Federal Credit Union	Amarillo, TX	$229M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U S #1364 Federal Credit Union	Merrillville, IN	$222M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Consumers Federal Credit Union	Independence, MO	$217M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Urw Community Federal Credit Union	Danville, VA	$224M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Westex Community Federal Credit Union	Kermit, TX	$231M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Western Division Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.75 among 8 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.

Monthly maintenance fee in dollars, one mark per institution

Western Division Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Western Division Federal…Peer (equal prices stack)Peer median

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 Western Division Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Inactivity (Per Quarter)$10
Not compared: Quarterly charge, not monthly
per quarter
Account Research (Per Hour - Minimum $25.00)$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail/Incorrect Address$5

Overdraft & NSF

Non-Returned Item (NSF)$30
Non-Sufficient Funds (NSF)$30
Overdraft Transfer$5

ATM & Card

ATM Withdrawal$2
Not compared: Monthly charge, not per item
per month
Card Replacement (Credit or Debit Card)$10
Card Expedited Delivery (3-5 Business Days) (Credit or Debit Card)$50

Check Services

Stop Payment$30
Check Cashing (Non-Member, Per Check)$10
per item
Check Copy (< 6 months/> 6 months)$1

Cash & Deposit

Cash Advance (Non-Western Division, Per Card)$10
per item

Account Services

Notary Public ServiceNo charge
Legal Order (Per Account-Tax Levy, Collection, Records Subpoena)$100

Other Fees

Mail - Overnight Delivery (Per Piece – 1lb)$30
per item
Statement Copy (Per Statement)$2

Fee	Amount	Basis	Note
Account Maintenance
Account Inactivity (Per Quarter)	$10Not compared: Quarterly charge, not monthly	per quarter	None
Account Research (Per Hour - Minimum $25.00)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail/Incorrect Address	$5	Not stated	None
Overdraft & NSF
Non-Returned Item (NSF)	$30	Not stated	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
Overdraft Transfer	$5	Not stated	None
ATM & Card
ATM Withdrawal	$2Not compared: Monthly charge, not per item	per month	None
Card Replacement (Credit or Debit Card)	$10	Not stated	None
Card Expedited Delivery (3-5 Business Days) (Credit or Debit Card)	$50	Not stated	None
Check Services
Stop Payment	$30	Not stated	None
Check Cashing (Non-Member, Per Check)	$10	per item	None
Check Copy (< 6 months/> 6 months)	$1	Not stated	None
Cash & Deposit
Cash Advance (Non-Western Division, Per Card)	$10	per item	None
Account Services
Notary Public Service	No charge	Not stated	None
Legal Order (Per Account-Tax Levy, Collection, Records Subpoena)	$100	Not stated	None
Other Fees
Mail - Overnight Delivery (Per Piece – 1lb)	$30	per item	None
Statement Copy (Per Statement)	$2	Not stated	None

Correct a fee source

Oct 16, 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.