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Credit Union West
Routing Number: 322172153
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Earn More While Doing Less

Earn more over time with a Heritage High-Yield Checking™ account

Relax. High-Yield Checking Makes Your Money Do The Work.

Smart, financially savvy people make a habit of getting more from what they have. There are many approaches to making the most of your money, including finding ways to cut spending. Making the monthly grocery budget stretch further, choosing a less expensive phone plan, and cutting out subscriptions that rarely get used are smart ways to spend less and do more with your money.
People with high-yield checking accounts have found they can earn back the equivalent of some monthly expenses without cutting spending at all. Interest-bearing checking goes beyond traditional saving methods. For some, it is the easiest way to maximize their budget and make their money grow.

Members Earn WAY Above the National Average

According to a 2022 report, interest-bearing checking accounts at banks across the U.S. earn an average of 0.04% APY1. You don't need to settle for a checking account that pays next to nothing. At Credit Union West, members with a Heritage High-Yield Checking™ earn significantly more than the national average at an astounding 3.00% APY!2 

Earning a high dividend rate couldn't be easier. Get rewarded each month for doing simple things you might already do like choosing paperless statements or swiping your debit card at the checkout. To qualify for the Heritage High-Yield Checking higher dividend rate, simply:

  1. Have at least 15 point-of-sale (POS) transactions post and settle to your account each cycle
  2. Have at least one direct deposit or ACH post and settle to your account each cycle
  3. Enrolled in eStatements3

That's it! Earnings are paid out monthly and you can keep track of your progress in Mobile and Online banking. Just look for "Checking Qualifications" in the Accounts drop down menu.

If you don't qualify for the month, don't worry! You'll still earn the base dividend rate and you can try for the higher dividend rate again next month. Plus, your Heritage High-Yield Checking account is always free with no monthly maintenance or minimum balance fees.4 It's free checking that lets you earn more without doing more. So relax, sit back, and let your money do the work for you.


Earn big + $300 bonus

when you open a new High-Yield Checking account5

1 Annual Percentage Yield (APY). Interest Checking Rate Information current as of October 17, 2022 according to the National Rates and Rate Cap report by FDIC.
2 Annual Percentage Yield (APY) is variable and subject to change before and after account opening. New Credit Union West membership accounts require a $5 minimum balance and are subject to normal approval process. For additional account details please refer to Heritage High-Yield Qualification Details
3 eStatement enrollment is not applicable to grandfathered accounts.
4 “no-fee” – no monthly service fees regardless of account balance. Certain restrictions apply, see individual pages for complete details.
5 Bonus/Account Information: Promotional offer is only valid for one new Heritage High-Yield Checking account per person and not available to those whose account has been closed within 90 days or closed with a negative balance within the last 3 years. Limit one Heritage High-Yield Checking account per Social Security Number. $5 minimum balance required for membership account. Offer not valid with any other promotion. To receive the checking bonus: 1) Open a new Heritage High-Yield Checking account, which is subject to approval; 2) Deposit a total of $10,000 or more in new money into the new checking account within 10 days of account opening; 3) Maintain an average daily balance of at least $10,000 for 90 days after account opening; 4) Swipe Credit Union West debit card a minimum of 15 times within 30 days of account opening; and 5) Establish a direct deposit and have it post and settle to this account within 90 days of account opening. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above checking requirements, we'll deposit the bonus in your new account within 30 days. The new money cannot be funds held by you at Credit Union West. To receive any of the above bonuses, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. If qualifications are met each monthly qualification cycle: (1) Balances up to and including $10,000 receive an APY of 3.00%; and (2) balances over $10,000 earn 0.05% dividend rate on portion of balance over $10,000, resulting in a range from 3.00% - 0.05% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Rate current as of 1/1/23 and may change after account is opened and fees could reduce earnings. Program subject to change without notice.  Any taxes are the responsibility of the recipient and are reported on a 1099-INT.

Prescott Valley Branch Update 

After breaking ground on our new Prescott Valley branch in April, an opening date is on track for this fall. 

Certificates Are For Everyone

Certificates are no longer exclusive to serious investors. They are for anyone, at any stage of life.

North Mountain Permanent Closure

After careful consideration, we have made the decision to permanently close the North Mountain branch.