Westby Co-Op Federal Credit Union

Headquarters: Westby, Wisconsin
Charter: Credit Union
Assets: $1.0B
Fed district: Chicago

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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
Westby Co-Op Federal Credit Union: $20 to $25
Westby Co-Op Federal Credit Union: $20 to $25
U.S. median: no median
Non-Network ATM
Westby Co-Op Federal Credit Union: $1
Westby Co-Op Federal Credit Union: $1
U.S. median: no median
Stop Payment
Westby Co-Op Federal Credit Union: $20
Westby Co-Op Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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.

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).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Westby Co-Op Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Christmas Club Penalty$6
per item
Fee to close account$20
Dormant Account Fee: Accounts with no activity for 12 months$5
per month
Account Research$3
Account Research/Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address$5
per month

Overdraft & NSF

Overdraft fees$25
per item
Overdraft fees$20
per item
Overdraft Protection$5

ATM & Card

Transactions at all Non-WCCU ATM’s$1
Card Replacement Fee$10
Debit Card Replacement$5

Check Services

Cashier’s Checks$4
Stop Payment$20
per item
Stop Payments for Checks or Automatic Deductions If multiple checks are stopped, the initial charge is still$20
Temporary Checks$5
one time · book of 8
Check Copies$1
per item

Cash & Deposit

Coin Counting5%($1 minimum)
Coin Counting (audience not stated, treated as personal)5%($1 minimum)
Cash Advance2%of the advance ($5 minimum)
Cash Advance (audience not stated, treated as personal)2%of the advance ($5 minimum)

Account Services

Notary PublicNo charge
Garnishment/Tax Levy$50
per item
Mortgage Subordination (audience not stated, treated as personal)$150

Lending Fees

Late Payment Fee$25

Retirement & IRA

IRA Closing/Transfer Fee$25
per item

Gift & Prepaid Cards

Gift Cards$3.50
per item
VISA Gift Card$3.50
per item

Other Fees

Fax: Receiving$1
Not compared: Charged per page; comparison unavailable
per page · Fax: Receiving: $1 per page
Photocopies$0.15
per item
Returned Loan Payment$15
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

Correct a fee source

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.

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