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Credit Union West
Routing Number: 322172153
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Current Rates and Fees

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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 11/01/18
 
ACCOUNT TYPE   Term  APR 1
Platinum Preferred Mastercard® 2 Revolving 9.49% - 18.49% Variable
Platinum Rewards Mastercard® 2 Revolving 10.99% - 19.99% Variable
Credit Reserve Revolving 14.90% Fixed
Auto Loans 3
(up to 20 years old)
Up to 84 Months 3.99% - 22.50%
Fixed
Repossessed Vehicles
(Credit Union West Auction)
 Up to 60 Months
2.90% Fixed
Secured Loan 3
(RVs, Boats, Motorcycles, etc.)
Up to 180 Months
4.49% - 17.75% Fixed
Home Equity Line of Credit 4 Revolving 6.00% - 12.25%  Variable
Home Equity Loan 5
(Building Additions, Home Improvements, 
Solar Financing, etc.)
Up to 240 Months 4.75% - 11.75% Fixed
Personal Loan 6
(Dental, Jewelry, Weddings, Debt Consolidation, etc.)
Up to 180 Months 9.50% - 20.25% Fixed
Share Secured Loan Up to 120 Months Based on the dividend rate plus a margin of 3%
Money Market Secured Loan Up to 120 Months Based on the dividend rate of applicable tier 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 4.75% APR and a ceiling of 18.00% APR. Rates are subject to loan-to-value, credit qualifications and performance. 10 year draw period. At the end of the draw period, the loan is amortized over a maximum period of 15 years. Available for owner and non-owner occupied residences.  5 Home Improvement loans available with LTVs (Loan-to-Value) of 91%-133%. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Please consult a tax advisor for further information regarding the deductibility of interest and charges. Available for owner and non-owner occupied residences.  6 Term based on amount financed. Other restrictions apply.

Consumer Share Rate Schedule

Rates Effective as of 11/01/18
 
ACCOUNT 
TYPE 
 MIN. OPENING BALANCE  Min. BALANCE TO EARn stated Apy DIVIDEND RATE APY
Membership Share $5 $5 0.01% 0.01%
Money Market None < $2,500 0.01% 0.01%


$2,500-$24,999 0.03% 0.03%


$25,000-$49,999 0.05% 0.05%


$50,000-$74,999 0.15% 0.15%


$75,000-$99,999 0.15% 0.15%


$100,000 + 0.15% 0.15%
Holiday Club
None
None
0.01% 0.01%
Other Share None None 0.01% 0.01%
IRA Savings None $5 0.30% 0.30%
Kasasa Cash Checking
None
≤ $10,000 2.97% 3.01%


>$10,000 0.05% 0.05%


Qualifications Not Met 0.01% 0.01%
ACCOUNT TYPE  Term  MIN. deposit DIVIDEND RATE APY
Certificate 6 Months $500 0.20% 0.20%

12 Months $500
0.70% 0.70%

24 Months $500 1.00%
1.00%

36 Months $500
2.67% 2.70%

60 Months $500 2.67% 2.70%
IRA Certificate
6 Months $500  0.45% 0.45%

12 Months  $500  0.95% 0.95%

24 Months $500  1.24% 1.25%

36 Months $500  2.92% 2.95%

60 Months $500  2.92% 2.95%
Youth Certificate
12 Months  $500  0.25%
0.25%

36 Months $500  2.67% 2.70%
 
 


APY = Annual Percentage Yield · Printed APYs are expected for the month of June · 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.

Kasasa Cash - If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during monthly qualification cycle will automatically be reimbursed up to $4.99 per item to a maximum amount of $15 per month and credited to the account on the last day of monthly statement cycle. ATM receipt(s) must be presented for reimbursement of an individual ATM fee of $5.00 or higher; (2) balances up to and including $10,000 receive an APY of 3.01%; and (3) balances over $10,000 earn 0.05% dividend rate on portion of balance over $10,000, resulting in a range from 3.01% - 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 11/01/18
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
Card Replacement Fees
ATM, Debit, or Credit Cards
$10.00
4-Day Expedite
$35.00
1-Day Domestic Expedite
$95.00
2-Day International Expedite
$125.00
wire transfer Fees
USA
$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)
Drilling & Lock Replacement Fees
Charges based on actual cost incurred.
Atm Usage Fees
Credit Union West ATMs Free/No Charge
Non-Credit Union West ATMs
5 Free Transactions Per Month
$2.00 Per Additional 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
Official Check $3.00
Checkbook Balancing
$20.00
(per hour)
Notary service fees
Members $0.00
Non-Members $10.00
Returned Deposit item fee
3rd Party Originated 
$18.00
Member Originated
$35.00
(RETC + Fee)
Other Service Fees
Returned Mailing Address
$5.00
(per month)
Account Research
$20.00
(per hour)
Garnishment
$50.00
(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
Non-Sufficient Funds Paid Item Fee (NSF)
$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. 

Business Share Rate Schedule

Rates Effective as of 11/01/18
Account Type  Min. Opening Balance  Min. Balance to Earn Stated APY  Dividend Rate  APY 
Membership Share $5 $5 0.01% 0.01%
Money Market $0 < $2,500 0.01% 0.01%


$2,500-$24,999 0.03% 0.03%


$25,000-$49,999 0.05% 0.05%


$50,000-$74,999 0.15% 0.15%


$75,000-$99,999 0.15% 0.15%


$100,000 + 0.15% 0.15%
Business Checking $0 $0 0.00% 0.00%
Other Share Account $0 $0 0.01% 0.01%
ACCOUNT TYPE  Term  MIN. deposit DIVIDEND RATE APY
Certificate 6 Months $500 0.20% 0.20%

12 Months $500
0.70% 0.70%

24 Months $500 1.00%
1.00%

36 Months $500
2.67% 2.70%

60 Months $500 2.67% 2.70%
 
 
APY = Annual Percentage Yield · Printed APYs are expected for the month of May · 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.

Business Fee Schedule

Rates Effective as of 11/01/18
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 $100 minimum daily balance) 
$10.00
Card Replacement Fees
ATM or Debit
$10.00
4-Day Expedite
$35.00
1-Day Domestic Expedite
$95.00
2-Day International Expedite
$125.00
wire transfer Fees
USA
$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)
Drilling & Lock Replacement Fees
Charges based on actual cost incurred.
Atm Usage Fees
Credit Union West ATMs Free/No Charge
Non-Credit Union West ATMs
5 Free Transactions Per Month
$2.00 Per Additional 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
Official Check $3.00
Checkbook Balancing
$20.00
(per hour)
Notary service fees
Members $0.00
Non-Members $10.00
Returned Deposit item fee
3rd Party Originated  $18.00
Member Originated
$35.00
(RETC + Fee)
Other Service Fees
Returned Mailing Address
$5.00
(per month)
Account Research
$20.00
(per hour)
Garnishment
$50.00
(per occurrence)
Representative Loan Payment
(Using Another Financial Institution) 
$15.00
Non-Sufficient Funds Paid Item Fee (NSF)
$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.
ACCOUNT TYPE 
 6 Month
Rate
12 month
Rate
24 month
Rate
36 month
Rate
60 month
Rate
Certificate
Minimum $500 Deposit
0.20% 0.70% 1.00% 2.67% 2.67%
IRA Certificate 
Minimum $500 Deposit
0.45% 0.95% 1.24% 2.92% 2.92%
Youth Certificate
Minimum $500 Deposit

0.25%
2.70%
Download Consumer Share Rate Schedule

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