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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 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. 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.

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.

Mortgage Rates1

12/11/2024 rates as low as...
 

NMLS #410357


ARM
CONVENTIONAL
VA FHA
Jumbo
Interest Rate
6.000%
6.125%
5.500%
5.875%
6.250%
5.490%
5.625%
5.625%
6.250%
Term 5/1 ARM 7/1 ARM 15 Year 20 Year 30 Year 15 Year 30 Year 30 Year 30 Year
Points .875  1 1 1.875 1.625 1.75 1
APR2 6.123% 6.248% 6.840% 6.164% 6.472% 6.260% 6.058% 5.910% 6.377% 
Payment $1199  $1215  $1634  $1418 $1231 $1633 $1151 $1151 $4926


Contact us for additional loan programs including Down Payment Assistance, Alternative Document Programs, and Adjustable Rate Mortgages!

 
 
 
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