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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 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 3/1/26 
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 4.99% - 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. 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 3/1/26  

ACCOUNT 
TYPE 
MIN. BALANCE to avoid service
fee
 Min. BALANCE TO EARn stated Apy DIVIDEND RATE APY*
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 Plus1 None ≥ $50,000 
2.28% 2.30%


Qualifications Not Met 0.35% 0.35%
Jumbo Money Market2 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™3
None
≤ $20,000 5.84% 6.00%
 
>$20,000 0.05% 6.00% - 0.05%


Qualifications Not Met 0.01% 0.01%
Extended Insurance Sweep4 None < $100,000 0.50% 0.50%


$100,000-$249,999 2.76% 2.80%


$250,000-$499,999 2.91% 2.95%


$500,000-$999,999 3.01% 3.05%


$1,000,000 3.06% 3.10%
ACCOUNT TYPE  Term  MIN. deposit DIVIDEND RATE APY*
Certificate 6 Months $500 3.21% 3.25%

12 Months $500
3.45% 3.50%

24 Months $500 3.21%
3.25%

36 Months $500
3.21% 3.25%

60 Months $500 3.21% 3.25%
IRA Certificate
6 Months $500  3.21% 3.25%

12 Months  $500  3.45% 3.50%

24 Months $500  3.21% 3.25%

36 Months $500  3.21% 3.25%

60 Months $500  3.21% 3.25%
Youth Certificate
12 Months  $500  3.21%
3.25%

36 Months $500  3.21% 3.25%
 
*APY = Annual Percentage Yield · Printed APYs are expected for the month of March  · 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.
 
1To 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 2.40%, (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. 2Jumbo 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. 3Heritage High-Yield Checking - To qualify for the Heritage High-Yield Checking higher dividend rate you must meet the following requirements per Monthly Qualification Cycle: (1) Have at least 15 debit card point-of-sale or credit card purchase transactions (or a combination thereof) post and settle to your account per Monthly Qualification Cycle. Debit card transactions processed by merchants and received by us as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by us as POS transactions count towards qualifying debit card transactions. (2) At least one direct deposit (ACH automatic credit transaction) must post and settle to your account or at least one ACH transaction (in or out) to your account per monthly qualification cycle. This is a tiered rate account, please refer to our separate Consumer Rate Schedule for current rate information. 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 cuwest.org/HHY-Checking-Truth-in-Savings-Disclosure.pdf. 4Please read the Program Terms and Conditions carefully, for further details visit cuwest.org/extended-insurance. 5Promotional Certificates: The total combined balance of all promotional certificates under a single membership 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. 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. Promotion subject to change or end without notice.
 

Consumer Fee Schedule

Rates Effective as of 3/1/26 
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
 
 
 
 
Download Consumer Fee Schedule

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.
 
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 of3/1/26 
Account Type  Min. Opening Balance  Min. Balance to Earn Stated APY  Dividend Rate  APY* 
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 Plus1
≥ $50,000 
2.28% 2.30%


Qualifications Not Met 0.35% 0.35%
Jumbo Money Market2 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%
Extended Insurance Sweep3 None < $100,000 0.50% 0.50%


$100,000-$249,999 2.76% 2.80%


$250,000-$499,999 2.91% 2.95%


$500,000-$999,999 3.01% 3.05%


$1,000,000 3.06% 3.10%
ACCOUNT TYPE  Term  MIN. deposit DIVIDEND RATE APY*
Certificate 6 Months $500 3.21% 3.25%

12 Months $500
3.45% 3.50%

24 Months $500 3.21%
3.25%

36 Months $500
3.21% 3.25%

60 Months $500 3.21% 3.25%

 
*APY = Annual Percentage Yield · Printed APYs are expected for the month of March. 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. 
 
1To 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 2.40%, (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. 2Jumbo 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. 3Please read the Program Terms and Conditions carefully, for further details visit cuwest.org/extended-insurance4Promotional Certificates: The total combined balance of all promotional certificates under a single membership 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. 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. Promotion subject to change or end without notice.

Business Fee Schedule

Rates Effective as of 3/1/26 
 
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)
Skip-a-Pay7/Payment Extension Fees
$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. 7A 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 Loan Rate Schedule

Rates Effective as of 3/1/26 
ACCOUNT TYPE   Term  APR 1
Business Preferred Mastercard® Revolving 15.74% - 32.74% Variable1
Business Rewards Mastercard®  Revolving 17.74% - 32.74% Variable
Business Line of Credit - Secured Revolving 7.25% - 11.75%  Variable
Business Line of Credit - Unsecured
Revolving 8.75% - 13.75% Variable
Business Term Loan - Secured
Up to 72 Months 7.25% - 11.75% Fixed2
Business Term Loan - Unsecured 
Up to  60 Months 8.75% - 13.75% Fixed
Business Term Loan - Equipment Up to 60 Months 7.25% - 11.75% Fixed
Business Term Loan - Vehicle Up to 60 Months 7.25% - 11.75 Fixed3
 
1Variable interest rates calculated by index (prime rate as published in Wall Street Journal) plus a margin. Rate are subject to credit qualifications and performance.
2Loan Rates (Auto & Secured) are based on amount financed, term, credit qualifications and performance. Note on Amoritazation: Terms and amortization schedules vary based on collateral type. For example, a loan may feature a 72-month term with a 120-month amortization, resulting in a balloon payment for the remaining balance at the end of the term.
3Variable interest rates calculated by index (prime rate as published in Wall Street Journal) + margin with rates as low as 7.25% APR and a ceiling of 32.74% APR. Rates are 
based on loan-to-value (LTV), credit qualifications, and performance. 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. 
 

Mortgage Rates1

03/10/2026 rates as low as...
 

NMLS #410357


ARM
CONVENTIONAL
VA FHA
Jumbo
Interest Rate
5.500%
5.625%
5.125%
5.375%
5.625%
4.750%
5.250%
5.250%
5.625%
Term 5/1 ARM 7/1 ARM 15 Year 20 Year 30 Year 15 Year 30 Year 30 Year 30 Year
Points .75  1 1 2 2.125 2 1
APR2 5.619% 5.745% 5.442% 5.507% 5.839% 5.524% 5.721% 5.552% 5.747% 
Payment $1136  $1151  $1595  $1345 $1151 $1556 $1104 $1104 $4605


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.