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Credit Union West
Routing Number: 322172153
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Heritage High-Yield Checking™ Account

Free checking that pays you.

Earn 4.07% APY1

Heritage High-Yield Checking™ can help you save more over time by paying you a 4.07% Annual Percentage Yield (APY) on checking account balances up to $10,000 (if qualifications are met).2

With your Heritage High-Yield Checking™ account, you will not only earn a surprisingly high rate but also enjoy the convenience of unlimited check writing. 

This is the perfect checking account for those who carry high balances in their checking account. Plus, you can open an account in as little as 5 minutes.


With Heritage High-Yield Checking you get:

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No Monthly Service Fee

No service fees, ever.

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4.07% APY*

4.07% APY, paid monthly to qualifying accounts. 

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FREE Allpoint ATMs

FREE access to over 55,000 Allpoint Network ATMs worldwide.3

Mobile App with Remote Check Deposit

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Online Banking with
Bill Pay

Mastercard® Debit Card
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No Minimum Deposit

For added piece of mind, add optional Overdraft Privilege or Credit Reserve to your account.

don't just listen to us

See What Others Have To Say


Heritage High-Yield Checking

“The employees have always provided outstanding service and I continue to enjoy the interest on my checking account.”

- Vince


Heritage High-Yield Checking

“This credit union isn't just about making money, they're about helping you.”

- Kristin

Open Your Account Today!

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To qualify for the 4.07% APY on up to $10,000, all you have to do is open the account, enroll in eStatements, and make sure that 15 point of sale transactions and 1 Automated Clearing House (ACH) or direct deposit posts during each Monthly Qualification Cycle.

No problem! You still have a free checking account, earn 0.01% APY, and can qualify the following Monthly Qualification Cycle.
A Monthly Qualification Cycle is based on the calendar month, during which you can qualify for 4.07% APY.
You can earn 4.07% APY on balances up to $10,000. Balances over $10,000 will continue earning interest, but at a lower rate.
There is no minimum checking account deposit. As long as you have $5 in a Share Savings account, you can open a Heritage High-Yield Checking account with any deposit amount.

For Your

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Easily access your monthly statements online.
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Download the Credit Union West Mobile Banking app to access your account on the go.
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Free Bill Pay makes it easy to automate online payments from your checking.
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Transfer money into your account, review balances and more.

1Annual Percentage Yield (APY). 
2 If qualifications are met each monthly qualification cycle: (1) Balances up to and including $10,000 receive an APY of  4.07%; and (2) balances over $10,000 earn 0.05% dividend rate on portion of balance over $10,000, resulting in a range from 4.07% - 0.05% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying debit card transactions and credit card purchase transactions must post and settle to the account during monthly qualification cycle. Debit and credit card transactions may take one or more business days from the date transaction occurred to post and settle to the account. Only debit card transactions processed by merchants and received by the credit union as point-of-sale (POS) purchase transactions count toward qualifying debit card transactions. The following activities do not count toward earning account rewards: ATM–processed transactions; transfers between accounts; and debit card transactions processed by merchants and received by the credit union as ATM transactions. “Monthly Qualification Cycle” is based upon the calendar month. eStatements are a condition of the account. When using a promotion code - New membership account is subject to our normal approval process. $5 minimum balance required for membership account. Annual Percentage Yield on membership share account 0.01%. Rate may change after account is opened and fees could reduce earnings. Membership account must be opened for at least 90 days before bonus is available for use or otherwise forfeited. Any taxes are the responsibility of the recipient and are reported on a 1099-INT. Speak to a credit union representative for complete details. 
3Foreign 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.