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Credit Union West
Routing Number: 322172153
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Home Resources Current Rates and Fees

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 12/01/21
 
ACCOUNT TYPE   Term  APR 1
Platinum Preferred Mastercard® 2 Revolving 8.49% - 17.49% Variable
Platinum Rewards Mastercard® 2 Revolving 11.49% - 20.49% Variable
Credit Reserve Revolving 14.90% Fixed
Auto Loans 3
(up to 20 years old)
 Up to 84 Months 2.99% - 21.25%
 Fixed
Secured Loan 3
(RVs, Boats, Motorcycles, etc.)
 Up to 180 Months
 3.49% - 16.75% Fixed
Home Equity Line of Credit 4 Revolving 4.25% - 10.25%  Variable
Home Equity Loan
(Building Additions, Home Improvements, 
Solar Financing, etc.)
 Up to 240 Months 3.75% - 10.25% Fixed
Personal Loan 5
(Dental, Jewelry, Weddings, Debt Consolidation, etc.)
 Up to 180 Months 6.74% - 17.49% 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 18.00% 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 Term based on amount financed. Other restrictions apply.
 

Consumer Share Rate Schedule

Rates Effective as of 12/01/21

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 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.

Heritage High-Yield Checking™ - 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 1.06%; and (3) balances over $10,000 earn 0.05% dividend rate on portion of balance over $10,000, resulting in a range from 1.06% - 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 12/01/21
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


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.
2Coin Machine services are available at select branch locations: Avondale, Luke AFB (base access required), Cottonwood, and Sun City West

Business Share Rate Schedule

Rates Effective as of 12/01/21
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%

 
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.

Business Fee Schedule

Rates Effective as of 12/01/21
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


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.
2Coin Machine services are available at select branch locations: Avondale, Luke AFB (base access required), Cottonwood, and Sun City West

 Mortgage Rates1

12/02/2021 rates as low as...
 


NMLS #410357


 CONVENTIONAL
 VA
Interest Rate
2.375%
2.750%
3.000%
2.250%
2.625%
Term 15 Year 20 Year 30 Year 15 Year 30 Year
Points 1 1.25 1 1.00 1.00
APR2 2.705% 3.035% 3.183% 2.821% 2.936%
Payment $1322 $1084 $830 $1310 $803

Contact us for additional loan programs including FHA, Down Payment Assistance, and Alternative Document Programs!
 
 
 
1 Rate and Payment quotes are based upon the rate assumption of a $200,000 loan amount and 40% down payment (net equity). Rates, Payments and/or Fees may be higher based upon your credit score. 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
 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%
Download Consumer Share Rate Schedule