Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view, download Adobe® Acrobat Reader.
Credit Union West
Routing Number: 322172153
LOGIN to online banking
Online BankingClose online banking

Online Banking

secure access 24/7

New User? Register now. Mobile Link Need login help? Mobile Link

Twenty Percent Down Myth

Home Buying Myth Revealed

If you’re desperate to own a home of your own, you're likely saving up twenty percent for your down payment. That’s great and all, but the fact is you don’t need to put twenty percent down anymore. The twenty percent myth is leftover from an era after the housing crisis. Many lenders tightened their lending parameters and began to require a high down payment. Now, you have options!

FHA Home Loan
First-time home buyers can struggle because they don't have savings for a down payment. Our FHA loans are built to help first-time homebuyers get into their dream home through low down payment options and assistance.
VA Home Loan
If you have served in the military, your service qualifies you for a lower interest rate and a no minimum down payment loan.

Conventional Home Loan
Our traditional Conventional mortgages are a great option too. You can own your new home with as little as 3% down.

Times have changed. If you've been saving to put twenty percent down on your new home, now is the time to re-evaluate your options, and we can help! Our real estate specialists and mortgage originators are NMLS (#410357) registered and are here to be your trusted advocates throughout the loan process.

Apply online today!

Get in the home of your dreams

with our low mortgage rates

Questions? Call 602.631.3479

Five Ways to Build Credit History 

Your credit score is a number based on your financial history. The higher your score, the more credit-worthy...

Is Debt Consolidation For You?

Too much debt can be burdensome and cause unwanted grief for families. Here's how we can help.
Ten Years in a Row. Top Company to Work for in AZ, 2013-2022.


Once again, Credit Union West has been recognized as a ‘Top Company to Work for in Arizona.'