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

High Yield Checking

Ready to start getting more from your checking?

Heritage High-Yield Checking™

Earn big + $300 bonus¹


Credit Union West checking accounts are designed to make your money work harder. That's why we offer FREE high-yield checking with the account benefits you want and need.2

Heritage High-Yield Checking can help you grow your money by paying you a 3.00% APY3 on checking account balances up to $10,000 (if qualifications are met). That's 40x the National Average versus interest-checking offered by the major banks. 

It's free checking that rewards you each month for doing simple things you might already do like choosing paperless statements or swiping your debit card at the checkout. Your checking account is always free with no monthly maintenance or minimum balance fees even if you don't meet your qualifications for the month.
 
Enjoy member benefits like free Allpoint ATMs,4 get your direct deposit up to two days sooner with Early Pay,5 free credit score and report with SavvyMoney, and access to exclusive member discounts on travel, entertainment and auto purchases. Plus, for a limited time, get a $300 bonus when you open a new Heritage High-Yield Checking account, make an initial deposit of $10,000, and maintain an average daily balance of $10,000 for your first 90 days.
 
That's the flexibility of a checking account plus earning power!

Account Features & Benefits:






 
  
1 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 3/1/23 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.
2 “no-fee” – no monthly service fees regardless of account balance. Certain restrictions apply, see individual pages for complete details.
3 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. 
4 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.
5 Funds must be pending in the ACH warehouse to post early. Any automatic funds transfers (AFT) will happen at their normal time.
6 Annual Percentage Yield (APY). Interest Checking Rate Information current as of July 25, 2022. according to the National Rates and Rate Cap report by FDIC.