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Credit Union West
Routing Number: 322172153
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Lending Rates at a Historic Low

Funding for Life’s Big Expenses


Life can be expensive. It's also rewarding. A new car, home remodel, or big purchase -- a loan from Credit Union West can help you reach your biggest goals.

With competitive rates at historic lows, now is a great time to check out our flexible lending options. Plus, our local lending team is dedicated to offering the very best service throughout Arizona. It's what we like to call your hometown advantage.

Here are four lending options that can help you fund life's big expenses:

Personal Loans are one of the most flexible loan options we offer. They can be used for almost anything. You can borrow up to $50,000 and take up to 180 months to pay it back.

Home Equity Loan lets you borrow a lump sum, secured by the equity in your home. It comes with a fixed interest rate and monthly payment that never changes for the life of the loan. 

A HELOC is a revolving line of credit with an adjustable rate, secured by the equity in your home. You only borrow what you need, allowing for repeat use of your equity with interest charged against the amount you borrow.

Whether you’re buying new or used, we can provide the financing needed for your new car, truck, or SUV. Do you love the car you're in? Our auto refinancing could save you a bundle.

No matter what the future holds, let us help you find the lending solution you're looking for.

Apply now

Questions? Call 602.631.3290 or toll-free 1.800.621.0287 x 3290.

Get the hometown advantage

Competitive Rates on PersonalHome Equity, and Auto Loans

Options APR1 Terms5 Apply
Personal Loan 8.75% - 19.50% 
Up to 180 months
Amounts up to $50,000
Home Equity Loan 3.75% - 10.25% 
Up to 240 months
Amounts up to $548,250
Based on Equity, up to 133% CLTV2 3
Home Equity Line of Credit 4.25% - 10.25%
Amounts up to $548,250
Based on Equity, up to 100% CLTV2 4
Auto Loan 2.99% - 21.25 % 
Up to 84 months
New, used, and refinance available

1Annual Percentage Rate. Actual APR based upon many factors evaluated at the time of application, which may include, among other factors, borrower’s credit history, loan terms, and any applicable administrative/processing fees. All loans are subject to credit review and approval.
2CLTV stands for combined loan-to-value
3 Home Improvement loans available with LTVs (Loan-to-Value) of 80.01%-133%. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Please consult a tax advisor for further information regarding the deductibility of interest and charges. Available for owner and non-owner occupied residences. 
4 Variable interest rates calculated by index (prime rate as published in Wall Street Journal) + margin with a floor of 4.25% APR and a ceiling of 18.00% APR. Rates are subject to loan-to-value, credit qualifications and performance. 10 year draw period. At end of draw period, the loan is amortized over a maximum period of 15 years.  Available for owner and non owner occupied residences.   
5 Term based on amount financed. Other restrictions apply.

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