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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 of a big bank 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 2/1/26
| ACCOUNT TYPE | Term | APR 1 | |
|---|---|---|---|
| Platinum Preferred Mastercard® 2 | Revolving | 12.99% - 23.99% | Variable |
| World Rewards Mastercard® 2 | Revolving | 15.99% - 24.00% | Variable |
| Credit Reserve | Revolving | 14.90% | Fixed |
|
Auto Loans 3
(up to 20 years old)
|
Up to 96 Months | 5.24% - 22.50% |
Fixed |
|
Secured Loan 3
(RVs, Boats, Motorcycles, etc.)
|
Up to 180 Months |
5.74% - 20.25% | Fixed |
| Home Equity Line of Credit 4 | Revolving | 7.00% - 13.50% | Variable |
|
Home Equity Loan
(Building Additions, Home Improvements,
Solar Financing, etc.)
|
Up to 300 Months | 6.00% - 13.00% | Fixed |
|
Personal Loan 5
(Dental, Jewelry, Weddings, Debt Consolidation, etc.)
|
Up to 84 Months | 10.99% - 25.74% | Fixed |
|
Personal Home Improvement 6
(Kitchen remodel, new pool, HVAC replacement, landscaping, etc.)
|
Up to 300 Months | 6.74% -7.99 % | 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 2/1/26
|
ACCOUNT
TYPE
|
MIN. BALANCE to avoid service
fee
|
Min. BALANCE TO EARn stated Apy | DIVIDEND RATE | APY1 |
|---|---|---|---|---|
| Membership Share | $5 | $5 | 0.10% | 0.10% |
| Money Market | None | < $2,500 | 1.39% | 1.40% |
| $2,500-$24,999 | 1.49 % | 1.50% | ||
| $25,000-$49,999 | 1.49% | 1.50% | ||
| $50,000-$74,999 | 1.88% | 1.90% | ||
| $75,000-$99,999 | 2.23% | 2.25% | ||
| $100,000 + | 2.23% | 2.25% | ||
| Money Market Plus | None | ≥ $50,000 |
2.28% | 2.30% |
| Qualifications Not Met | 0.35% | 0.35% | ||
| Jumbo Money Market | None | < $100,000 | 0.35% | 0.35% |
| $100,000-$249,999 | 2.62% | 2.65% | ||
| $250,000-$499,999 | 2.76% | 2.80% | ||
| $500,000-$999,999 | 2.86% | 2.90% | ||
| $1,000,000+ | 2.91% | 2.95% | ||
| 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 |
≤ $20,000 | 5.84% | 6.00% |
| >$20,000 | 0.05% | 6.00% - 0.05% | ||
| Qualifications Not Met | 0.01% | 0.01% |
| ACCOUNT TYPE | Term | MIN. deposit | DIVIDEND RATE | APY1 |
|---|---|---|---|---|
| Certificate | 6 Months | $500 | 3.45% | 3.50% |
| 12 Months | $500 |
3.69% | 3.75% | |
| 24 Months | $500 | 3.50% |
3.55% | |
| 36 Months | $500 |
3.21% | 3.25% | |
| 60 Months | $500 | 3.21% | 3.25% | |
| IRA Certificate |
6 Months | $500 | 3.45% | 3.50% |
| 12 Months | $500 | 3.69% | 3.75% | |
| 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 | 3.69% |
3.75% |
| 36 Months | $500 | 3.21% | 3.25% |
1APY = Annual Percentage Yield · Printed APYs are expected for the month of February · 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 2.30%, (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 $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 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. View account qualification details at https://www.cuwest.org/HHY-Checking-Truth-in-Savings-Disclosure.pdf.
Promotional Certificates: The total combined balance of all promotional certificates under a single member cannot exceed $250,000. Offer good for the initial term only. Upon maturity, all promotional certificates will automatically renew closest to but not exceeding the current term of the certificate, unless Credit Union West is notified within the 7-day grace period of the maturity date. Promotional certificates will not renew to a different promotional term or rate. For example, an 18-month promotional certificate of deposit will roll into a 12-month certificate of deposit upon maturity. Promotion subject to change or end without notice.
Consumer Fee Schedule
Rates Effective as of 2/1/26
| savings Account Fees | |
|---|---|
|
Early Closure
(within 3 months of opening)
|
$5.00 |
|
Low Balance
(less than $5 balance for > 6 months)
|
$5.00 |
| Checking Account Fees | |
|---|---|
|
Heritage High-Yield Checkingᵀᴹ and
Loyalty Rewards Checkingᵀᴹ
|
Fee-free checking accounts |
|
Paper Statement
|
$2.00 |
|
Fresh Start Checking
|
$10.00 per month |
| OVERDRAFT COVERAGE FEES | |
|---|---|
|
ODP Fee
|
$25.00 per occurrence |
|
Unpaid NSF
|
No Charge |
|
Overdraft Transfer Fee
(from share account)
|
No Charge |
| ATM/Debit Card usage Fees | |
|---|---|
|
ATM/Debit/Credit Card Replacement
|
$10.00 per card |
|
4-Day Card Replacement
|
$35.00 per card |
|
Cross Border Assessment Fees (ICA)
|
Up to 2.00%1 |
|
Currency Conversion Assessment Fees (CCA)
|
Up to 1.00%1 |
|
Credit Union West and Allpoint ATMs
|
No Charge1 |
|
All Other ATMs
(Balance Inquiry, and/or Transfer)
|
$2.00 per transaction |
| safe deposit box fees | |
|---|---|
| 3 x 5 in. |
$35.00 (per year)
|
| 5 x 5 in. |
$45.00 (per year)
|
| 3 x 10 in. |
$55.00 (per year)
|
| 5 X 10 in. |
$65.00 (per year)
|
| 10 x 10 in. |
$100.00 (per year)
|
|
Keys
(Fully refundable upon returning both keys)
|
$10.00 |
| Drilling & Lock Replacement Fees |
Charges based on actual cost incurred.
|
| skip-a-pay²/Payment Extension Fees | |
|---|---|
|
For Loan Payments up to $399
|
$30.00 |
| For Loan Payments $400-$599 | $45.00 |
|
For Loan Payments $600 and above
|
$60.00 |
| Miscellaneous Fees | |
|---|---|
| Account History Printout |
$1.00 per page
|
| Account Close/Reopen |
$20.00
(per account)
|
|
Bad Address
|
$5.00 per month
|
|
Check Copies
|
$2.00 per item
|
|
Check Printing
|
Varies by style
|
|
Checks
(Temporary)
|
$1.00 per 4
|
| Checkbook Balancing/Account Research |
$20.00 per hour
|
|
Escheat Fee
Closure of Dormant Account
|
up to $100.00
|
|
Collection Item
|
Cost
|
|
Inactive Account
(inactivity for 12 months)
|
$10.00 per month
|
|
IRA Transfer Fee
(Outgoing Funds Only)
|
$20.00
|
|
Garnishments and Levy
|
$100.00 per occurrence
|
|
Non Member (On-Us) Check Cashing Fee
|
$5.00
|
|
Notary Service
|
$0.00 (Members)
$10.00 (Non-Members)
|
|
Official Check
|
$5.00
|
|
Outgoing Domestic Wire
|
$25.00
|
|
Real Estate Payoff Statement
|
$30.00
|
|
Representative Loan Payment
(Using another Financial Institution)
|
$15.00
|
|
Returned Deposit Item -
Member Originated
|
$35.00
(RETC + Fee)
|
|
Returned Deposit Item -
Third-Party Originated
|
$25.00
|
|
Subordination Fee
|
$250.00
|
|
Statement Copy - Each
(Research Fees may apply)
|
$3.00
|
|
Stop Payment
(Checks/ACH Revoke/Recurring Card Transactions)
|
$30.00 each
|
Fees are subject to review and change by the Board of Directors at any time. Please call us or visit our website for the most up-to-date information.
1International 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.
²A Skip a Payment fee will be processed per the Skip-a-Payment agreement, for each skipped payment request. For program details, please visit cuwest.org/skip. Program subject to change at any time.
Business Share Rate Schedule
Rates Effective as of2/1/26
| 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 | 1.39% | 1.40% |
| $2,500-$24,999 | 1.49% | 1.50% | ||
| $25,000-$49,999 | 1.49% | 1.50% | ||
| $50,000-$74,999 | 1.88% | 1.90% | ||
| $75,000-$99,999 | 2.23% | 2.25% | ||
| $100,000 + | 2.23% | 2.25% | ||
| Money Market Plus | ≥ $50,000 |
2.28% | 2.30% | |
| Qualifications Not Met | 0.35% | 0.35% | ||
| Jumbo Money Market | None | < $100,000 | 0.35% | 0.35% |
| $100,000-$249,999 | 2.62% | 2.65% | ||
| $250,000-$499,999 | 2.76% | 2.80% | ||
| $500,000-$999,999 | 2.86% | 2.90% | ||
| $1,000,000+ | 2.91% | 2.95% | ||
| 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 | 3.45% | 3.50% |
| 12 Months | $500 |
3.69% | 3.75% | |
| 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 February. 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 2.30%, (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.
Promotional Certificates - Upon maturity, all promotional certificates will automatically renew closest to but not exceeding the current term of the certificate, unless Credit Union West is notified within the 7-day grace period of the maturity date. Promotional certificates will not renew to a different promotional term or rate. For example, a 13-month promotional certificate of deposit will roll into a 12-month certificate of deposit upon maturity.
Business Fee Schedule
Rates Effective as of 2/1/26
| Account Fees | |
|---|---|
|
Early Closure
(within 3 months of opening)
|
$5.00 |
|
Low Balance
(less than $5 balance for > 6 months)
|
$5.00 |
|
Paper Statement
|
$5.00 |
|
Monthly Maintenance Fee - Mission1
(if below $500 minimum daily balance2)
|
$10.00 |
|
Monthly Maintenance Fee - Launch1
(if below $1,500 minimum daily balance2)
|
$10.00 |
|
Monthly Maintenance Fee - Elevate1
(if below $5,000 minimum daily balance2)
|
$15.00 |
|
Cash Allowance Overage Fee - Launch3
(above $7,500 monthly cash allowance)
|
0.30% of overage |
|
Cash Allowance Overage Fee - Elevate3
(above $15,000 monthly cash allowance)
|
0.20% of overage |
|
Item Allowance Overage Fee - Launch4
(above 50 monthly item allowance)
|
$0.35 per additional |
|
Item Allowance Overage Fee - Elevate4
(above 100 monthly item allowance)
|
$0.35 per additional |
| ATM/Debit Card Usage Fees | |
|---|---|
|
ATM/Debit/Credit Card Replacement
|
$10.00 per card |
|
4-Day Card Replacement
|
$35.00 per card |
|
Cross Border Assessment Fees (ICA)
|
Up to 2.00%5 |
|
Currency Conversion Assessment Fees (CCA)
|
Up to 1.00%5 |
|
Credit Union West and Allpoint ATMs
|
No Charge5 |
|
All Other ATMs
(Balance Inquiry, and/or Transfer)
|
$2.00 per transaction |
| safe deposit box fees | |
|---|---|
| 3 x 5 in. |
$35.00 (per year)
|
| 5 x 5 in. |
$45.00 (per year)
|
| 3 x 10 in. |
$55.00 (per year)
|
| 5 X 10 in. |
$65.00 (per year)
|
| 10 x 10 in. |
$100.00 (per year)
|
|
Keys
(fully refundable upon returning both keys)
|
$10.00
|
| Drilling & Lock Replacement Fees |
Charges based on actual cost incurred.
|
| overdraft coverage fees | |
|---|---|
| ODP Fee |
$35.00 per occurrence6
|
|
Unpaid NSF
|
No Charge
|
| Overdraft Transfer (from share account) |
No Charge
|
| Treasury Management fees* | |
|---|---|
| ACH Monthly Maintenance | $25.00 |
| Wire Module Monthly Maintenance | $10.00 |
| RDC Monthly Maintenance | $25.00 per terminal |
|
Fraud Prevention Services - Positive Pay
|
$25.00 |
|
Bundled Products - Two Products
|
$45.00 |
|
Bundled Products - Three Products
|
$65.00 |
| miscellaneous fees | |
|---|---|
| Account History Printout | $1.00 per page |
| Account Close/Reopen |
$20.00
|
| Bad Address | $5.00 per month |
| Check Copies |
$2.00 per item
|
| Check Printing | Varies by style |
|
Checks
(Temporary)
|
$1.00 per 4 |
|
Checkbook Balancing/Account Research
|
$20.00 per hour |
|
Escheat
(Closure of Dormant Account)
|
up to $100.00 |
|
Collection Item
|
Cost |
|
Inactive Account
(Inactivity for 12 months)
|
$10.00 per month |
|
Garnishments and Levy
|
$100.00 per occurrence |
|
Non Member (On-Us) Check Cashing
|
$5.00 |
|
Notary Service
|
$0.00 - (Members)
$10.00 - (Non-Members)
|
|
Payment Extension Agreement
|
$75.00
|
|
Official Check
|
$5.00
|
|
Outgoing Domestic Wire
|
$25.00
|
|
Real Estate Payoff Statement
|
$30.00
|
|
Representative Loan Payment
(Using another Financial Institution)
|
$15.00
|
|
Returned Deposit Item -
Member Originated
|
$35.00
(RETC & Fee)
|
|
Returned Deposit Item -
Third-Party Originated
|
$25.00
|
|
Subordination
|
$250.00
|
|
Statement Copy
(Research fees may apply)
|
$3.00 each
|
|
Stop Payment
(Checks/ACH Revoke/Recurring card transactions)
|
$30.00 each
|
Fees are subject to review and change by the Board of Directors at any time. Please call us or visit our website for the most up-to-date information.
*Treasury Management services are available to eligible business members and subject to Credit Union approval. Services, features, and fees may vary and are governed by the applicable Treasury Management Service Agreement(s) and the Business Fee Schedule. For more details, please contact a member of our Business Services Team at 602.631.2297.
1To avoid the monthly maintenance fee, your minimum daily balance must be maintained each day. Minimum balance requirements are determined by the total (aggregate) of all share balances within the account. Balance requirements vary based on account type. 2The monthly maintenance fee will be assessed starting with the first full statement cycle following account opening if the minimum daily balance requirement is not met. 3Transactions that exceed the designated cash allowance are subject to an overage fee based on the dollar amount over the allowance and your account type. For example, if your overage is $100 on a Launch Account, a fee of $0.30 will be assessed. 4A per-item fee applies to checks or drafts that exceed your account's monthly item allowance based on your account type. 5International transactions may be subject to a foreign currency conversion fee. Fees assessed are determined by card processors. 6Business accounts are automatically enrolled in Standard and Extended Coverage and may not unenroll. Refer to your Business Membership Account Agreement for further details.
Mortgage Rates1
02/06/2026 rates as low as...
| ARM |
CONVENTIONAL |
VA | FHA |
Jumbo | |||||
| Interest Rate |
5.500% |
5.625% |
5.000% |
5.500% |
5.750% |
4.875% |
5.375% |
5.250% |
5.750% |
| 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 |
1
f |
.75
f |
.875
f |
2.125
f |
1.75
f |
2
f |
.875
f |
| APR2 | 5.619% | 5.745% | 5.355% | 5.754% | 5.953% | 5.672% | 5.813% | 5.552% | 5.861% |
| Payment | $1136 | $1151 | $1582 | $1376 | $1167 | $1569 | $1120 | $1104 | $4669 |
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.
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