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Credit Union West
Routing Number: 322172153
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Home Banking/Checking High Yield Checking

High Yield Checking

Get more from your checking and earn high-yield dividends.

Heritage High-Yield Checking™

Earn 6.00% APY* on balances up to $20,000!


Credit Union West checking accounts are designed to make your money work as hard as you do. That’s why we offer Heritage High-Yield Checking, a free,1 high-interest account with the benefits you actually want.

Earn 6.00% APY on account balances up to $20,000 when you meet simple qualifications each month.2 That's 40x the National Average compared to major banks’ interest-bearing checking accounts! Qualifying is easy and may include things you already do, such as:

  1. At least 15 point-of-sale (POS) transactions per cycle
  2. At least one direct deposit or ACH per cycle
  3. Enrolling in eStatements
That's it! Plus, there are no monthly maintenance fees or minimum balance requirements. Even if you don’t meet the monthly qualifications for higher dividends, your account stays fee-free.

Enjoy added perks like free access to over 55,000 Allpoint ATMs3 worldwide, get your direct deposit up to 2 days earlier with Early Pay,4 and track your financial health with a free credit score and report in Mobile and Online Banking. As a member, you’ll also gain access to exclusive discounts on travel, entertainment, and auto purchases, helping you save even more.
 
 

Account Features & Benefits:


It's flexible checking plus the earning power to grow your money. Why settle for less?


Open your Heritage High-Yield Checking today!
 

 



 
  
* Annual Percentage Yield (APY).
1 ”no-fee” – No monthly service fee; however, fees incurred for overdrafts and/or stop payments may apply. Refer to our Fee Schedule and membership account agreement for further details.
2 If qualifications are met each monthly qualification cycle: (1) Balances up to and including $20,000 receive an APY of 6.00 %; and (2) balances over $20,000 earn 0.05  % dividend rate on portion of balance over $20,000, resulting in a range from 6.00 % - 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. 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 otherwise forfeited. Any taxes are the responsibility of the recipient and are reported on a 1099-MISC. Speak to a credit union representative for complete details. View account qualification details at https://www.cuwest.org/HHY-Checking-Truth-in-Savings-Disclosure.pdf.
3 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.
4 Funds must be pending in the ACH warehouse to post early. Any automatic funds transfers (AFT) will happen at their normal time.
5 Annual Percentage Yield (APY). Interest Checking Rate Information current as of December 2, 2024. according to the National Rates and Rate Cap report by FDIC.