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Credit Union West
Routing Number: 322172153
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Home About Your Membership Benefits

Your Membership Benefits

Choose a financial institution where your priorities come first, not profit.

It Pays to Bank Locally


At Credit Union West, banking locally means more for you. Since 1951, we've put our members at the heart of everything we do. As a member-owned, not-for-profit institution, we prioritize your financial well-being over profit. This translates into higher dividends, lower loan rates, fewer fees, and more benefits, all designed to help you achieve your financial goals.

Why Choose Credit Union West?

  • Member-Focused Banking: Every decision we make is to serve you better—whether it’s offering competitive rates, reducing fees, or providing personalized financial solutions.

  • Safety & Security: Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), giving you peace of mind knowing your savings are safe and secure.

  • Local Community, Global Impact: We're more than a financial institution; we're a community that supports your financial success and gives back to your local community to empower Arizona residents to thrive. 

  • Exclusive Member Benefits: From higher-yield checking accounts to lower-rate loans, and credit cards with no annual fee, your membership comes with perks designed to save you money, reward your loyalty, and offer the convenience of banking close to home.

Bank where it pays to belong. Join Credit Union West today and experience the difference of a financial partner who truly puts you first.

Join Credit Union West

Open an Account


Open a savings or checking account that fits your needs.

Apply for a Loan


Take advantage of our competitive rates and flexible terms.

Choose a Credit Card


Unlock financial flexibility with a credit card that works for you.


Apply for Mortgage


Get low rates and personalized guidance from a local lender.

Find a Branch or ATM


See a list of our branch and ATM locations nearest you.

Chat With Us


Speak with a member representative, in-person or over the phone.







Don't just listen to us

See what others have to say.

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Five Star Rating

Credit Union West has been awarded the prestigious Bauer 5-Star excellent rating.

 

Awards & Accomplishments

Member Ratings

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Credit Union West

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4.8 out of 5 stars (1,930 ratings)

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Membership Benefits


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Perks












More than Banking

Why Members Choose Credit Union West


Protection

We safeguard your accounts with proactive security measures and optional services for added peace of mind.


Convenience

Enjoy easy, cost-free5 access to your accounts plus lower rates on loans, higher dividends on savings, and discounts on financial services and everyday activities.

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Rewards

Earn more with high-yield checking and credit card rewards, plus our satisfaction guarantee on credit card purchases.

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Community

We go beyond banking by giving back to help Arizona residents thrive. Be part of a supportive local community that prioritizes your financial and personal success. 


Get Instant Answers

Becoming a member means you open a savings account with us called a membership share.6 That's it!
 
You can start the process of becoming a member by opening a checking account, or applying for a loan or credit card, and we'll set up your free membership share automatically. No extra forms or paperwork needed.
 
Once a member, you can enjoy benefits like our free financial tools, free Allpoint ATMs,1 automatic Early Pay to get your direct deposit sooner,2 and access to exclusive member savings on auto purchases, travel, and entertainment.
 
Ready to become a member? Open your account or apply for a loan or credit card online, anytime.
Membership is open to all individuals who live, work or worship in Arizona (excluding Graham, Greenlee, La Paz, and Santa Cruz counties), plus their immediate family members and Credit Union West employees.
 
Both US Citizens and non-US Citizens may apply to join. See "What do I need to become a member?" for details.
To become a member by opening an account, you must:
  1. Meet the following eligibility requirements
    1. Live, work or worship in Apache, Cochise, Coconino, Gila, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai or Yuma county OR
    2. You are an employee of the credit union OR
    3. You are a family member of a current member of Credit Union West. 
       
  2. Provide the following documentation to verify your identification
    1. US citizens must provide two forms of identification, one being a government-issued photo ID (passport, drivers license, etc)
    2. Non-US citizens must provide
      1. Proof of local residency/address
      2. SSN or Pseudo Social Security Number/Valid for Work Only Social Security Number with a W-8 BEN IRS form
      3. One form of identification such as a Matricula Consular Card, Resident Alien Card, and/or a U.S. Visa
      4. Government-issued passport
US Citizens can open an account online or by visiting a branch location. Non-US Citizens must visit a branch location to open an account.

Member savings accounts at all credit unions are federally insured up to $250,000 by the National Credit Union Share Insurance Funds (NCUSIF), which is administered by the National Credit Union Administration (NCUA). The fund is backed by the full faith and credit of the U.S. government. No taxpayer funds are used to support the (NCUA) or the (NCUSIF).



Open Your Account Today!


Bank where it pays to belong. Join Credit Union West today and experience a financial partner who truly puts you first.





 
*Some membership benefits require further qualifications and certain restrictions apply. Please view membership terms and conditions.
1 Foreign transactions may be subject to a foreign currency conversion fee. Fees assessed are determined by card processors. Refer to Membership Account Agreement for further details.
2 Funds must be pending in the ACH warehouse to post early. Any automatic funds transfers (AFT) will happen at their normal time.
3 APY = Annual Percentage Yield. APYs are accurate as of 6/1/25. View checking account details for dividend qualifications and terms. Click for full details. 
4 Balance transfer must be made at time of card opening.
5 ”no-fee” – No monthly service fees for personal accounts; however, fees incurred for overdrafts and/or stop payments may apply. Refer to our Fee Schedule and membership account agreement for further details
6 New Credit Union West membership accounts require a $5 minimum balance and are subject to normal approval process. For additional account details, refer to the Personal Share Savings Account details.