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Your Membership Benefits
It Pays to Bank Locally
We strive to provide financial products and services that will help each person in our community grow their financial stability and success.
Why Choose Credit Union West?
As a member at Credit Union West, serving you and your family are at the core of our organizational principles and values. We take the time to understand you and your financial needs, helping ensure you successfully achieve your goals along the way.
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 cooperative that supports your financial success and gives back to your local community. Our CU West CARES Charitable Foundation aims to empower all Arizonans to thrive.
Exclusive Member Benefits
From high-yield checking accounts to lower-rate loans, your membership comes with perks designed to save you money and offer the convenience of banking close to home.
Membership Benefits
Protection
- Free Identity Protection
- Free Fraud Protection
- Free Security Alert Emails
- Free AD&D Insurance, up to $2,500!
- Identity Theft Resolution Services
- Purchase Satisfaction Guarantee
- 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
- Early Direct Deposit (Up to Two Days)2
- 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 Checking3 that pays 6.00% APY* 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-Ownership
- Military Heritage & On-Base Location at Luke-AFB
Bauer
Five Star Rating
Credit Union West has been awarded the prestigious Bauer 5-Star excellent rating.
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Bank where it pays to belong. Join Credit Union West today and experience a financial partner who truly puts you first.
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:
- 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
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).
*APY = Annual Percentage Yield. APYs are accurate as of 3/1/26. Some membership benefits require further qualifications and certain restrictions apply. Please view Membership Terms and Conditions. New Credit Union West membership accounts require a $5 minimum balance and are subject to normal approval process. For additional account details, refer to Personal Share Savings Account details.
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 ”Free Checking” – 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
4 Balance transfer must be made at time of card opening.
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