
Your Membership Benefits
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.
Join Credit Union West
Choose a Credit Card

Bauer
Five Star Rating
Credit Union West has been awarded the prestigious Bauer 5-Star excellent rating.
Membership Benefits

Protection
- Free Identity Protection
- Free Fraud Protection
- Free Security Alert Emails
- Free Customizable Card Monitoring
- Free AD&D Insurance, up to $2,500!
- Identity Theft Resolution Services
- Purchase Satisfaction Guarantees
- Extended Purchase Warranties
- Cell Phone Protection Plans
- Optional Overdraft Protection
- Credit Building Support
- Credit Guide Program

Convenience
- Online Account Opening
- Fully-integrated online banking
- Mobile App with Remote Deposit
- Easy Online Bill-Pay
- Free Allpoint ATM Network1
- Direct deposit up to two days early2
- Mobile Wallet Compatible
- Bank via Phone, Mobile App, Online Account, or In-Branch
- One-Day Loan Approvals in Most Cases
- Financial Fitness Classes & Community Events

Perks
- Free Checking that pays 6.00% APY3 or Cash-Back
- Cash-Back on Balance Transfers4
- No Annual Fee on Credit Cards
- Free Notary Service
- Skip-a-Pay Loan Program
- Costco Auto Program for Car Buying
- Huge Discounts on 100's of Retailers
- In-House Mortgage Loans
- Member-Owned
- Military Heritage & On-Base Location at Luke-AFB
More than Banking
Why Members Choose Credit Union West
Protection
Convenience
Rewards
Community
Get Instant Answers
- Meet the following eligibility requirements
- Live, work or worship in Apache, Cochise, Coconino, Gila, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai or Yuma county OR
- You are an employee of the credit union OR
- You are a family member of a current member of Credit Union West.
- Provide the following documentation to verify your identification
- US citizens must provide two forms of identification, one being a government-issued photo ID (passport, drivers license, etc)
- Non-US citizens must provide
- Proof of local residency/address
- SSN or Pseudo Social Security Number/Valid for Work Only Social Security Number with a W-8 BEN IRS form
- One form of identification such as a Matricula Consular Card, Resident Alien Card, and/or a U.S. Visa
- Government-issued passport
Open Your Account Today!
Credit Union West
Member Survey
On a scale from 0-11, how likely are you to recommend Credit Union West to a friend or colleague?