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Current Rates and Fees
Instead of nickel-and-diming you with unnecessary fees, we put money back in your pocket. As a credit union, we offer all of the services a big bank has to offer with several added benefits. And because we’re not-for-profit, we pay back earnings to you by offering higher savings rates and lower loan rates.
Consumer Loan Rate Schedule
Rates Effective as of 12/1/24
| ACCOUNT TYPE | Term | APR 1 | |
|---|---|---|---|
| Platinum Preferred Mastercard® 2 | Revolving | 13.49% - 22.49% | Variable |
| World Rewards Mastercard® 2 | Revolving | 16.49% - 24.00% | Variable |
| Credit Reserve | Revolving | 14.90% | Fixed |
|
Auto Loans 3
(up to 20 years old)
|
Up to 96 Months | 6.49% - 22.75% |
Fixed |
|
Secured Loan 3
(RVs, Boats, Motorcycles, etc.)
|
Up to 180 Months |
6.74% - 20.50% | Fixed |
| Home Equity Line of Credit 4 | Revolving | 8.00% - 14.50% | Variable |
|
Home Equity Loan
(Building Additions, Home Improvements,
Solar Financing, etc.)
|
Up to 300 Months | 7.00% - 13.25% | Fixed |
|
Personal Loan 5
(Dental, Jewelry, Weddings, Debt Consolidation, etc.)
|
Up to 84 Months | 11.24% - 21.99% | Fixed |
|
Personal Home Improvement 6
(Kitchen remodel, new pool, HVAC replacement, landscaping, etc.)
|
Up to 300 Months | 6.99% -8.74 % | Fixed |
| Share Secured Loan | Up to 120 Months | Based on the dividend rate plus a margin of 3% | |
| Certificate Secured Loan | Up to 60 Months | Based on the Certificate rate plus a margin of 3% | |
| Credit Builder Loan | Up to 36 Months | Based on the share deposit dividend rate plus a margin of 7% |
1 APR = Annual Percentage Rate. 2 Variable interest rates calculated by index (prime rate as published in Wall Street Journal) plus a margin. Rates are subject to credit qualifications and performance. Click here for more information on rates. 3 Loan Rates (Auto & Secured) are based on amount financed, term, credit qualifications and performance. 4 Variable interest rates calculated by index (prime rate as published in Wall Street Journal) + margin with a floor of 4.25% APR and a ceiling of 24.00% APR. Rates are based on loan-to-value (LTV), credit qualifications, and performance. HELOC insured/owner occupied product has a 10 year draw period with a 15 year repayment period. HELOC uninsured/non-owner occupied product has a 20 year draw period with a balloon payment. Rate is variable and may change monthly. 5 Actual annual percentage rate, terms, and dollar amount based upon many factors evaluated at the time of application, which may include, among other factors, borrower’s credit history, loan terms, loan purpose, and any applicable administrative/processing fees. All loans are subject to credit review and approval. Other restrictions may apply. 6 Tax deductibility: Please consult a tax advisor regarding the deductibility of interest for home improvements. Terms based on amount financed. Other restrictions may apply.
Consumer Share Rate Schedule
Rates Effective as of 12/1/24
|
ACCOUNT
TYPE
|
MIN. OPENING BALANCE | Min. BALANCE TO EARn stated Apy | DIVIDEND RATE | APY1 |
|---|---|---|---|---|
| Membership Share | $5 | $5 | 0.10% | 0.10% |
| Money Market | None | < $2,500 | 1.59% | 1.60% |
| $2,500-$24,999 | 1.69 % | 1.70% | ||
| $25,000-$49,999 | 1.69% | 1.70% | ||
| $50,000-$74,999 | 2.08% | 2.10% | ||
| $75,000-$99,999 | 2.33% | 2.35% | ||
| $100,000 + | 2.33% | 2.35% | ||
| Money Market Plus | None | ≥ $50,000 |
2.47% | 2.50% |
| Qualifications Not Met | 0.35% | 0.35% | ||
| Jumbo Money Market | None | < $100,000 | 0.35% | 0.35% |
| $100,000-$250,000 | 2.72% | 2.75% | ||
| $250,000-$500,000 | 2.86% | 2.90% | ||
| $500,000-$1,000,000 | 2.96% | 3.00% | ||
| $1,000,000+ | 3.01% | 3.05% | ||
| Holiday Club |
None |
None |
0.10% | 0.10% |
| Other Share | None | None | 0.10% | 0.10% |
| IRA Savings | None | $5 | 1.74% | 1.75% |
| Heritage High-Yield Checking™ |
None |
≤ $10,000 | 4.00% | 4.07% |
| >$10,000 | 0.05% | 4.07% - 0.05% | ||
| Qualifications Not Met | 0.01% | 0.01% |
| ACCOUNT TYPE | Term | MIN. deposit | DIVIDEND RATE | APY1 |
|---|---|---|---|---|
| Certificate | 6 Months | $500 | 4.43% | 4.50% |
| 12 Months | $500 |
4.28% | 4.35% | |
| 24 Months | $500 | 3.50% |
3.55% | |
| 36 Months | $500 |
3.21% | 3.25% | |
| 60 Months | $500 | 3.21% | 3.25% | |
| Promotional Certificate | 13 Months | $500 |
4.33% | 4.40% |
| 25 Months | $500 | 3.50% |
3.55% | |
| IRA Certificate |
6 Months | $500 | 4.43% | 4.50% |
| 12 Months | $500 | 4.28% | 4.35% | |
| 24 Months | $500 | 3.50% | 3.55% | |
| 36 Months | $500 | 3.21% | 3.25% | |
| 60 Months | $500 | 3.21% | 3.25% | |
| Youth Certificate |
12 Months | $500 | 4.28% |
4.35% |
| 36 Months | $500 | 3.21% | 3.25% |
1APY = Annual Percentage Yield · Printed APYs are expected for the month of December · Rates are subject to change by the Board of Directors Any fees incurred could reduce the earnings on the account. · Penalties may be imposed for early withdrawal of certificate.
Money Market Plus - To qualify for the Money Market Plus higher dividend rate you must maintain (1) a daily balance of $50,000 or more to receive an APY of 2.50%, (2) At least one direct deposit (ACH automatic credit transaction) must post and settle to your account, (3) you must open a new checking account or have any existing checking with the Credit Union, and (4) If qualifications are not met, all balances earn 0.35% APY for the entire month.
Jumbo Money Market - Jumbo Money Market Account Dividend Rate and Annual Percentage Yield (APY) may change without prior notice, before or after account is opened. Fees could reduce earnings. To qualify for the Jumbo Money Market Account (1) must meet membership eligibility; (2) minimum to open is $100,000 in new money, (3) no minimum balance requirement, (4) balance capped at $5MM for one owner (SSN), (5) to earn higher tier APYs must maintain tier minimums.
Heritage High-Yield Checking™ - 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 must post and settle to the account during monthly qualification cycle. Debit 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.
Consumer Fee Schedule
Rates Effective as of 12/1/24
| savings Account Fees | |
|---|---|
|
Closure
(within 3 months of opening)
|
$5.00 |
|
Low Balance Fee
(less than $5 balance for > 6 months)
|
$5.00 |
| Checking Account Fees | |
|---|---|
|
Paper Statement
|
$2.00 |
|
Fresh Start Checking
|
$10.00 per month |
| Card Replacement Fees | |
|---|---|
|
ATM, Debit, or Credit Cards
|
$10.00 |
|
4-Day Expedite
|
$35.00 |
| wire transfer Fees | |
|---|---|
|
Outgoing - Domestic
|
$20.00
|
| safe deposit box fees | |
|---|---|
| 3 x 5 in. |
$35 (per year)
|
| 5 x 5 in. |
$45 (per year)
|
| 3 x 10 in. |
$55 (per year)
|
| 5 X 10 in. |
$65 (per year)
|
| 10 x 10 in. |
$100 (per year)
|
| 2 Keys | $10, Refundable
(refunded in full when both keys are returned)
|
| Drilling & Lock Replacement Fees |
Charges based on actual cost incurred.
|
| Atm Usage Fees | |
|---|---|
| Credit Union West and Allpoint ATMs | No Charge1 |
| All Other ATMs |
$2.00 Per Transaction
|
| Dormant Account & Closure Fees | |
|---|---|
| Account Close/Reopen |
$5.00
(per account)
|
|
Inactive Account
(no activity for 12 months)
|
$10.00
(per month)
|
| Escheat Fee (Closure of Dormant Account) |
Up to $100.00
|
| Printed document fees | |
|---|---|
| Account History Printout |
$1.00
(per page)
|
| Current Statement Copy |
$3.00
|
| Check/Checkbook Fees | |
|---|---|
| Temporary Checks | $1.00 - 4 Checks |
| Check Copies |
$2.00
(per item)
|
| Official Check | $5.00 |
| Checkbook Balancing |
$20.00
(per hour)
|
| Non-Member (On-Us) Check Cashing | $5.00 |
| Notary service fees | |
|---|---|
| Members | $0.00 |
| Non-Members | $10.00 |
| Returned Deposit item fee | |
|---|---|
| 3rd Party Originated |
$25.00
|
| Member Originated |
$35.00
(RETC + Fee)
|
| Other Service Fees | |
|---|---|
| Returned Mailing Address |
$5.00
(per month)
|
| Account Research |
$20.00
(per hour)
|
| Garnishments and Levy |
$75.00
(per occurrence)
|
| IRA Transfer (Outgoing Funds Only) |
$20.00
(per occurrence)
|
| Payment Extension - "Skip-a-Pay" Processing Fee |
$25.00
(payments between $1.00 - $399.99)
|
|
$40.00
(payments equal to or greater than $400.00)
|
|
|
Representative Loan Payment
(Using Another Financial Institution)
|
$15.00
|
| Overdraft Privilege (ODP) Fee |
$25.00
|
| Unpaid Non-Sufficient Funds (NSF) |
No Charge
|
|
Overdraft Transfer
(transfer funds from share account)
|
No Charge
|
| Real Estate Payoff Statement |
$30.00
|
| Stop Payment |
$30.00
|
Fees are subject to review and change by the Board of Directors at any time.
1Foreign 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.
Account Agreement for further details.
Business Share Rate Schedule
Rates Effective as of12/1/24
| Account Type | Min. Opening Balance | Min. Balance to Earn Stated APY | Dividend Rate | APY1 |
|---|---|---|---|---|
| Membership Share | $5 | $5 | 0.10% | 0.10% |
| Money Market | $0 | < $2,500 | 1.59% | 1.60% |
| $2,500-$24,999 | 1.69% | 1.70% | ||
| $25,000-$49,999 | 1.69% | 1.70% | ||
| $50,000-$74,999 | 2.08% | 2.10% | ||
| $75,000-$99,999 | 2.33% | 2.35% | ||
| $100,000 + | 2.33% | 2.35% | ||
| Money Market Plus | ≥ $50,000 |
2.47% | 2.50% | |
| Qualifications Not Met | 0.35% | 0.35% | ||
| Jumbo Money Market | None | < $100,000 | 0.35% | 0.35% |
| $100,000-$250,000 | 2.72% | 2.75% | ||
| $250,000-$500,000 | 2.86% | 2.90% | ||
| $500,000-$1,000,000 | 2.96% | 3.00% | ||
| $1,000,000+ | 3.01% | 3.05% | ||
| Business Checking | $0 | $0 | 0.00% | 0.00% |
| Other Share Account | $0 | $0 | 0.10% | 0.10% |
| ACCOUNT TYPE | Term | MIN. deposit | DIVIDEND RATE | APY1 |
|---|---|---|---|---|
| Certificate | 6 Months | $500 | 4.43% | 4.50% |
| 12 Months | $500 |
4.28% | 4.35% | |
| 24 Months | $500 | 3.50% |
3.55% | |
| 36 Months | $500 |
3.21% | 3.25% | |
| 60 Months | $500 | 3.21% | 3.25% |
1APY = Annual Percentage Yield · Printed APYs are expected for the month of December. Rates are subject to change by the Board of Directors. Any fees incurred could reduce the earnings on the account. Penalties may be imposed for early withdrawal of certificate.
Money Market Plus - To qualify for the Money Market Plus higher dividend rate you must maintain (1) a daily balance of $50,000 or more to receive an APY of 2.50%, (2) At least one direct deposit (ACH automatic credit transaction) must post and settle to your account, (3) you must open a new checking account or have any existing checking with the Credit Union, and (4) If qualifications are not met, all balances earn 0.35% APY for the entire month.
Jumbo Money Market - Jumbo Money Market Account Dividend Rate and Annual Percentage Yield (APY) may change without prior notice, before or after account is opened. Fees could reduce earnings. To qualify for the Jumbo Money Market Account (1) must meet membership eligibility; (2) minimum to open is $100,000 in new money, (3) no minimum balance requirement, (4) balance capped at $5MM for one owner (SSN), (5) to earn higher tier APYs must maintain tier minimums.
Business Fee Schedule
Rates Effective as of 12/1/24
| savings Account Fees | |
|---|---|
|
Closure
(within 3 months of opening)
|
$5.00 |
|
Low Balance Fee
(less than $5 balance for > 6 months)
|
$5.00 |
| Checking Account Fees | |
|---|---|
|
Paper Statement
|
$5.00 |
|
Minimum Balance Fee
(below $500 minimum daily balance)
|
$10.00 |
| Card Replacement Fees | |
|---|---|
|
ATM or Debit
|
$10.00 |
|
4-Day Expedite
|
$35.00 |
| wire transfer Fees | |
|---|---|
|
Outgoing - Domestic
|
$20.00
|
| safe deposit box fees | |
|---|---|
| 3 x 5 in. |
$35 (per year)
|
| 5 x 5 in. |
$45 (per year)
|
| 3 x 10 in. |
$55 (per year)
|
| 5 X 10 in. |
$65 (per year)
|
| 10 x 10 in. |
$100 (per year)
|
| 2 Keys |
$10, Refundable
(refunded in full when both keys are returned)
|
| Drilling & Lock Replacement Fees |
Charges based on actual cost incurred.
|
| Atm Usage Fees | |
|---|---|
| Credit Union West ATMs | No Charge1 |
| Non-Credit Union West ATMs |
$2.00 Per Transactions
|
| Dormant Account & Closure Fees | |
|---|---|
| Account Close/Reopen |
$5.00
(per account)
|
|
Inactive Account
(no activity for 12 months)
|
$10.00
(per month)
|
| Escheat Fee (Closure of Dormant Account) |
Up to $100.00
|
| Printed document fees | |
|---|---|
| Account History Printout |
$1.00
(per page)
|
| Current Statement Copy |
$3.00
|
| Check/Checkbook Fees | |
|---|---|
| Temporary Checks | $1.00 - 4 Checks |
| Check Copies |
$2.00
(per item)
|
| Official Check | $5.00 |
| Checkbook Balancing |
$20.00
(per hour)
|
| Non-Member (On-Us) Check Cashing | $5.00 |
| Notary service fees | |
|---|---|
| Members | $0.00 |
| Non-Members | $10.00 |
| Returned Deposit item fee | |
|---|---|
| 3rd Party Originated | $25.00 |
| Member Originated |
$35.00
(RETC + Fee)
|
| Other Service Fees | |
|---|---|
| Returned Mailing Address |
$5.00
(per month)
|
| Account Research |
$20.00
(per hour)
|
| Garnishments and Levy |
$75.00
(per occurrence)
|
|
Representative Loan Payment
(Using Another Financial Institution)
|
$15.00
|
| Overdraft Privilege (ODP) Fee |
$35.00
|
| Real Estate Payoff Statement |
$30.00
|
|
Stop Payment
|
$30.00
|
Fees are subject to review and change by the Board of Directors at any time.
1Foreign 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.
Account Agreement for further details.
Mortgage Rates1
12/11/2024 rates as low as...
| ARM |
CONVENTIONAL |
VA | FHA |
Jumbo | |||||
| Interest Rate |
6.000% |
6.125% |
5.500% |
5.875% |
6.125% |
5.490% |
5.625% |
5.625% |
6.125% |
| Term | 5/1 ARM | 7/1 ARM | 15 Year | 20 Year | 30 Year | 15 Year | 30 Year | 30 Year | 30 Year |
| Points | 0
f |
0
f |
.875
f |
.875
f |
1
f |
1.875
f |
1.625
f |
1.75
f |
1
f |
| APR2 | 6.123% | 6.248% | 6.840% | 6.148% | 6.345% | 6.260% | 6.058% | 5.910% | 6.251% |
| Payment | $1199 | $1215 | $1634 | $1418 | $1215 | $1633 | $1151 | $1151 | $4861 |
1 Rate and Payment quotes for ARM, Conventional, FHA, and VA loans are based upon the rate assumption of a $200,000 loan amount and 40% down payment (net equity). Rate and Payment quotes for Jumbo loans are based upon the rate assumption of a $800,000 loan amount and 40% down payment (net equity). Rates, Payments and/or Fees may be higher based upon your credit score, LTV (loan to value), and purpose. The rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors can affect the final interest rate. 2 APR = Annual Percentage Rate.
| ACCOUNT TYPE |
6 Month
Rate
|
12 month
Rate
|
24 month
Rate
|
36 month
Rate
|
60 month
Rate
|
|---|---|---|---|---|---|
|
Certificate
Minimum $500 Deposit
|
4.50% | 4.28% | 3.50% | 3.21% | 3.21% |
|
IRA Certificate
Minimum $500 Deposit
|
4.43% | 4.28% | 3.50% | 3.21% | 3.21% |
|
Youth Certificate
Minimum $500 Deposit
|
4.28% | 3.21% |
Download Consumer Share Rate Schedule
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