Enjoy exclusive benefits with our workplace banking services.
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CU@Work for Employees
Get More from Your Paycheck with CU@Work
As an employee of a participating organization, you're eligible for exclusive perks when you join Credit Union West! Our accounts are designed to help you save more, stress less, and reach your financial goals faster.
Whether you’re just starting your career or planning for retirement, our workplace banking program gives you the tools and guidance to build a stronger financial future.
Get a $350 Bonus When You Join:
Open a new Checking Account
Open a Heritage High-Yield or Loyalty Rewards checking account and meet the offer requirements to earn $350!2
Plus, Exclusive Benefits:
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Explore Additional Offers for You:
CREDIT CARD
Consolidate higher interest cards with no annual fee, 2% cash back on balance transfers, and no balance transfer fee.3
AUTO LOAN
Refinance an auto loan from another lender and we'll beat their current auto loan rate.4
MORTGAGE
Receive up to $500 towards closing costs with our first time home buyer program, FHA, VA, or conventional home loan.5
PERSONAL LOAN
Borrow up to $50,000 for almost any purpose with terms up to 180 months.6
HOME EQUITY
Borrow up to 133% of your home’s equity to make improvements, put in a pool, consolidate debt, and more.7
Money Market
Earn higher dividends while keeping your money accessible with no long-term commitment.
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Build Confidence in Your Finances:Take advantage of free financial wellness resources available through your employer! Whether you're planning for the future or looking to improve your everyday money habits, our financial education programs are here to help.
These sessions may be offered as on-site classes, webinars, or digital resources, designed to fit your schedule and financial goals.
Interested? Ask your HR department how to participate.
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Why Financial Wellness Matters:
Financial stress can be costly. Studies show it may cost individuals over $1,800 a year.8 And you're not alone. According to one study, many employees say they worry about their financial wellbeing.9
- Over 50% of employees don’t have enough emergency savings
- Nearly 50% consistently carry credit card balances
- One-third of workers find it difficult to meet their monthly household expenses
- Roughly half of all employees find dealing with their financial situation stressful
- Almost 40% estimate they spend three hours or more dealing with personal finance issues at work
More than Banking
Why Members Choose Credit Union West
Community Commitment
Our impact in the community is strong and growing. We invest in organizations that support local communities in a variety of ways.
Military support
Originally founded on base at Luke AFB, we are proud to support active duty military personnel, veterans, and their families through our programs and services.
local
We’re committed to strengthening Arizona’s economy by being here, investing here, and supporting our members to achieve their financial goals.
Member Owned
We are proud to serve as a not-for-profit credit union where our members are our highest priority – not profits. Any money that remains after expenses are paid, is given back to our members and community.
Employees Get Exclusive Member Benefits:
* APR = Annual Percentage Rate; All offers available for a limited time; subject to change or end without notice.
1 Added Value’ = 1) The cost of financial illiteracy according to the 2022 National Financial Educators Council (NFEC) Survey, 2) average dividends earned from a Heritage High-Yield or cash back from a Loyalty Rewards Checking (self-reported) plus cash bonus offer, 3) average credit card cash back savings from balance transfer (self-reported), plus savings from average transfer fee and annual fee according to 2019 U.S. News Consumer Credit Card Fee Study, 4) home appraisal savings on a new mortgage, 5) estimated savings on member services including average notary services according to the 2023 National Notary Association report, no overdraft transfer fee and reduced courtesy pay fee (self-reported), and average savings with free Allpoint ATMs (self-reported), and 6) savings from member discounts including wireless and tax preparation discounts through Love My Credit Union Rewards and auto purchase bonus through the Costco Auto program.
2 CU@Work Account Offer: Offer is available to new members 18 years and older who meet Credit Union West’s membership eligibility. $5 minimum balance required for membership account. Registrations may be completed online at www.cuwest.org/work-join or by returning your completed brochure to your local Credit Union West branch. To earn a S350 reward bonus, you must register for the offer using a valid offer code located on the offer brochure, become a new member, open a new Credit Union West Heritage High-Yield or Loyalty Rewards checking account and complete the following requirements within 60 days of account opening:
- Complete ten (10) or more debit card transactions (excluding ATM transactions), AND
- Complete one (1) or more direct deposits totaling $1000 or more, AND
- Keep the account in good standing
Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they "opt out" by making an election at ReferLive or within such email. Please allow 30 days for delivery of your reward bonus after completing all offer requirements. Program subject to change without notice. Bonuses are considered interest and will be reported on IRS Form 1099-MISC.
3 2.00% cash back on balances transferred to a new Credit Union West Preferred Options Platinum or World Rewards credit card. Approval required. Balances being transferred must be listed on the applicant’s credit report at time of application.
4 Assuming the new rate falls within the range of our currently published vehicle loan rates, we’ll beat non-Credit Union West auto loan rates by at least 1%. Actual APR (Annual Percentage Rate) based upon many factors which may include borrower’s credit history, year of vehicle, loan terms, and any applicable administrative/processing fees. All loans are subject to credit review and approval.
5 The closing cost credit of $500 is applicable for purchase or refinance transactions of a primary residence located in Arizona. A $500 lender credit will be applied at closing towards closing costs on new Credit Union West mortgage loans. The closing cost credit is not available on all loan types. Please speak with a mortgage loan officer.
6 On approved credit, other terms and conditions may apply.
7 Credit approval required. Other fees may apply. Property must be located in Arizona.
8According to the National Financial Educators Council (NFEC) in 2022,
9 According to a 2018 Employee Financial Wellness Survey by Financialimpact.com.
10 "no-fee” or "FREE" – no monthly service fees regardless of account balance. Certain restrictions apply, see individual pages for complete details.
11 Foreign 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.
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