Click on a category below to view our current rates & fees.
Already like what you see?

Click on a category below to view our current rates & fees.
Already like what you see?
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.
| 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% |
|
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% |
| 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
|
| 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% |
| 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
|
| 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 |
| 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 | 0
f |
0
f |
.75
f |
1
f |
1
f |
2
f |
2.125
f |
2
f |
1
f |
| 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 |
On a scale from 0-11, how likely are you to recommend Credit Union West to a friend or colleague?
Please enter your zip code in the field below to see all rates.