20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 1, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
Non-Network ATM
Stop Payment
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Westby Co-Op Federal Credit Union · $1B 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Westby Co-Op Federal Credit Union(this institution) | Westby, WI | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 4Front Federal Credit Union | Traverse City, MI | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpena-Alcona Area Federal Credit Union | Alpena, MI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Belco Community Credit Union | Harrisburg, PA | $974M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brazos Valley Schools Federal Credit Union | Katy, TX | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brightstar Federal Credit Union | Fort Lauderdale, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connex Federal Credit Union | North Haven, CT | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Del-One Federal Credit Union | Dover, DE | $983M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Enrichment Federal Credit Union | Oak Ridge, TN | $984M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Golden Plains Federal Credit Union | Garden City, KS | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Texas Federal Credit Union | Austin, TX | $995M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heritage Federal Credit Union | Newburgh, IN | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Houston Police Federal Credit Union | Houston, TX | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kellogg Community Federal Credit Union | Battle Creek, MI | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Latino Community Federal Credit Union | Durham, NC | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Matanuska Valley Federal Credit Union | Palmer, AK | $977M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mccoy Federal Credit Union | Orlando, FL | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Merck Sharp & Dohme Federal Credit Union | Chalfont, PA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mirastar Federal Credit Union | San Jose, CA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| People First Federal Credit Union | Allentown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Point Breeze Federal Credit Union | Hunt Valley, MD | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Power Financial Federal Credit Union | Pembroke Pines, FL | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| St. Mary'S Federal Credit Union | Marlborough, MA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tucson Federal Credit Union | Tucson, AZ | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| University Of Hawaii Federal Credit Union | Honolulu, HI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Water And Power Community Federal Credit Union | Los Angeles, CA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 10 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 Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Westby Co-Op Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Amounts from Westby Co-Op Federal Credit Union’s own schedules, with a source for each figure.
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Christmas Club Penalty | $6 | per item | None |
| Fee to close account | $20 | Not stated | None |
| Dormant Account Fee: Accounts with no activity for 12 months | $5 | per month | None |
| Account Research | $3 | Not stated | None |
| Account Research/Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft fees | $25 | per item | None |
| Overdraft fees | $20 | per item | None |
| Overdraft Protection | $5 | Not stated | None |
ATM & Card | |||
| Transactions at all Non-WCCU ATM’s | $1 | Not stated | None |
| Card Replacement Fee | $10 | Not stated | None |
| Debit Card Replacement | $5 | Not stated | None |
Check Services | |||
| Cashier’s Checks | $4 | Not stated | None |
| Stop Payment | $20 | per item | None |
| Stop Payments for Checks or Automatic Deductions If multiple checks are stopped, the initial charge is still | $20 | Not stated | None |
| Temporary Checks | $5 | one time | book of 8 |
| Check Copies | $1 | per item | None |
Cash & Deposit | |||
| Coin Counting | 5%($1 minimum) | Not stated | None |
| Coin Counting (audience not stated, treated as personal) | 5%($1 minimum) | Not stated | None |
| Cash Advance | 2%of the advance ($5 minimum) | Not stated | None |
| Cash Advance (audience not stated, treated as personal) | 2%of the advance ($5 minimum) | Not stated | None |
Account Services | |||
| Notary Public | No charge | Not stated | None |
| Garnishment/Tax Levy | $50 | per item | None |
| Mortgage Subordination (audience not stated, treated as personal) | $150 | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $25 | Not stated | None |
Retirement & IRA | |||
| IRA Closing/Transfer Fee | $25 | per item | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3.50 | per item | None |
| VISA Gift Card | $3.50 | per item | None |
Other Fees | |||
| Fax: Receiving | $1Not compared: Charged per page; comparison unavailable | per page | Fax: Receiving: $1 per page |
| Photocopies | $0.15 | per item | None |
| Returned Loan Payment | $15 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 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
We check once a day and send one email covering every change.