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Click on a category below to view our current rates & 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.
ACCOUNT TYPE | Term | APR 1 | |
---|---|---|---|
Platinum Preferred Mastercard® 2 | Revolving | 8.74% - 17.74% | Variable |
Platinum Rewards Mastercard® 2 | Revolving | 11.74% - 20.74% | Variable |
Credit Reserve | Revolving | 14.90% | Fixed |
Auto Loans 3
(up to 20 years old)
|
Up to 84 Months | 3.24% - 16.25% |
Fixed |
Secured Loan 3
(RVs, Boats, Motorcycles, etc.)
|
Up to 180 Months |
3.99% - 17.25% | Fixed |
Home Equity Line of Credit 4 | Revolving | 4.25% - 10.50% | Variable |
Home Equity Loan
(Building Additions, Home Improvements,
Solar Financing, etc.)
|
Up to 240 Months | 4.00% - 10.50% | Fixed |
Personal Loan 5
(Dental, Jewelry, Weddings, Debt Consolidation, etc.)
|
Up to 180 Months | 6.99% - 17.74% | 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% |
ACCOUNT
TYPE
|
MIN. OPENING BALANCE | Min. BALANCE TO EARn stated Apy | DIVIDEND RATE | APY1 |
---|---|---|---|---|
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 | 0.10% | 0.10% | ||
$75,000-$99,999 | 0.15% | 0.15% | ||
$100,000 + | 0.15% | 0.15% | ||
Money Market Plus | ≥ $50,000 |
0.30% | 0.30% | |
Qualifications Not Met | 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% |
Heritage High-Yield Checking™ |
None |
≤ $10,000 | 1.05% | 1.06% |
>$10,000 | 0.05% | 0.05% | ||
Qualifications Not Met | 0.01% | 0.01% |
ACCOUNT TYPE | Term | MIN. deposit | DIVIDEND RATE | APY1 |
---|---|---|---|---|
Certificate | 6 Months | $500 | 0.20% | 0.20% |
12 Months | $500 |
0.30% | 0.30% | |
24 Months | $500 | 0.40% |
0.40% | |
36 Months | $500 |
0.50% | 0.50% | |
60 Months | $500 | 0.65% | 0.65% | |
IRA Certificate |
6 Months | $500 | 0.20% | 0.20% |
12 Months | $500 | 0.30% | 0.30% | |
24 Months | $500 | 0.40% | 0.40% | |
36 Months | $500 | 0.50% | 0.50% | |
60 Months | $500 | 0.65% | 0.65% | |
Youth Certificate |
12 Months | $500 | 0.25% |
0.25% |
36 Months | $500 | 0.65% | 0.65% |
1APY = 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.
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 |
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)
|
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 |
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 | $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 |
Coin machine
available at select branch locations2
|
|
---|---|
Members | 0.00% for less than $50 4.90% for greater than $50 |
Non-Members | 9.90% |
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 |
$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
|
Non-Sufficient Funds Paid Item Fee (NSF) |
$35.00
|
Overdraft Transfer
(transfer funds from share account)
|
$5.00
|
Real Estate Payoff Statement |
$30.00
|
Stop Payment |
$30.00
|
Account Type | Min. Opening Balance | Min. Balance to Earn Stated APY | Dividend Rate | APY1 |
---|---|---|---|---|
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 | 0.10% | 0.10% | ||
$75,000-$99,999 | 0.15% | 0.15% | ||
$100,000 + | 0.15% | 0.15% | ||
Money Market Plus | ≥ $50,000 |
0.30% | 0.30% | |
Qualifications Not Met | 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 | APY1 |
---|---|---|---|---|
Certificate | 6 Months | $500 | 0.20% | 0.20% |
12 Months | $500 |
0.30% | 0.30% | |
24 Months | $500 | 0.40% |
0.40% | |
36 Months | $500 |
0.50% | 0.50% | |
60 Months | $500 | 0.65% | 0.65% |
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 |
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)
|
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 |
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 | $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 |
Coin machine
available at select branch locations2
|
|
---|---|
Members | 0.00% for less than $50 4.90% for greater than $50 |
Non-Members | 9.90% |
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 |
$75.00
(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
|
CONVENTIONAL |
VA | FHA |
Jumbo | |||||
Interest Rate |
4.375% |
4.750% |
5.000% |
4.625% |
4.625% |
5.625% |
5.125% |
5.250% |
Term | 15 Year | 20 Year | 30 Year | 15 Year | 30 Year | 15 Year | 30 Year | 30 Year |
Points | .625
f |
.75
f |
1
f |
.75
f |
.625
f |
.625 | .625 | 1 |
APR2 | 4.603% | 4.996% | 5.206% | 5.196% | 4.941% | 6.067% | 5.298% | 5.302% |
Payment | $1252 | $1292 | $1074 | $1543 | $1028 | $1647 | $1089 | $4418 |
ACCOUNT TYPE |
6 Month
Rate
|
12 month
Rate
|
24 month
Rate
|
36 month
Rate
|
60 month
Rate
|
---|---|---|---|---|---|
Certificate
Minimum $500 Deposit
|
0.20% | 0.30% | 0.40% | 0.50% | 0.65% |
IRA Certificate
Minimum $500 Deposit
|
0.20% | 0.30% | 0.40% | 0.50% | 0.65% |
Youth Certificate
Minimum $500 Deposit
|
0.25% | 0.65% |
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