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Source: https://www.cuwest.org/resources/rates-and-fees
Read: 2026-10-22T16:21:42.000Z

View Current Rates and Fees | Consumer & Business | Credit Union West Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view, download Adobe® Acrobat Reader. Online Banking Close online banking
ACCOUNT TYPE | Term | APR *
Platinum Preferred Mastercard ® | Revolving | 13.24% - 23.99% | Variable 1
World Rewards Mastercard ® | Revolving | 16.24% - 24.00% | Variable 1
Credit Reserve | Revolving | 14.90% | Fixed
Auto Loans (up to 20 years old) | Up to 96 Months | 5.49% - 23.00% 2 | Fixed
Secured Loan (RVs, Boats, Motorcycles, etc.) | Up to 180 Months | 5.99% - 20.25% 2 | Fixed
Home Equity Line of Credit | Revolving | 7.25% - 13.75% | Variable 3
Home Equity Loan (Building Additions, Home Improvements, Solar Financing, etc.) | Up to 300 Months 4 | 5.75% - 13.00% | Fixed
Personal Loan (Dental, Jewelry, Weddings, Debt Consolidation, etc.) | Up to 84 Months | 10.99% - 25.74% 5 | Fixed
Personal Home Improvement (Kitchen remodel, new pool, HVAC replacement, landscaping, etc.) | Up to 300 Months | 6.99% -8.24% 6 | 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%
3 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.
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 | 1.29% | 1.30%
$2,500-$24,999 | 1.39 % | 1.40%
$25,000-$49,999 | 1.39% | 1.40%
$50,000-$74,999 | 1.88% | 1.90%
$75,000-$99,999 | 2.23% | 2.25%
$100,000 + | 2.23% | 2.25%
Money Market Plus 1 | None | ≥ $50,000 | 2.23% | 2.25%
Qualifications Not Met | 0.35% | 0.35%
Jumbo Money Market 2 | None | < $100,000 | 0.35% | 0.35%
$100,000-$249,999 | 2.57% | 2.60%
$250,000-$499,999 | 2.72% | 2.75%
$500,000-$999,999 | 2.81% | 2.85%
$1,000,000+ | 2.86% | 2.90%
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 Sweep 4 | None | < $100,000 | 0.50% | 0.50%
$100,000-$249,999 | 2.72% | 2.75%
$250,000-$499,999 | 2.86% | 2.90%
$500,000-$999,999 | 2.96% | 3.00%
$1,000,000 | 3.01% | 3.05%
ACCOUNT TYPE | Term | MIN. deposit | DIVIDEND RATE | APY*
Certificate | 6 Months | $500 | 3.94% | 4.00%
12 Months | $500 | 4.09% | 4.15%
24 Months | $500 | 3.45% | 3.50%
36 Months | $500 | 3.21% | 3.25%
60 Months | $500 | 3.21% | 3.25%
IRA Certificate | 6 Months | $500 | 3.94% | 4.00%
12 Months | $500 | 4.09% | 4.15%
24 Months | $500 | 3.45% | 3.50%
36 Months | $500 | 3.21% | 3.25%
60 Months | $500 | 3.21% | 3.25%
Youth Certificate | 12 Months | $500 | 4.09% | 4.15%
36 Months | $500 | 3.21% | 3.25%
Promotional Certificate 5 | 9 Months | $500 | 4.23% | 4.30%
*APY = Annual Percentage Yield · Printed Dividend Rates and APYs are expected for the month of October · Rates are subject to change at any time by the Board of Directors. Any fees incurred could reduce the earnings on the account. · Penalties may be imposed for early withdrawal of certificate. Accounts and rates are subject to membership eligibility and qualifications.
1 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 2.40%, (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.
2 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.
Early Closure (within 3 months of opening) | $5.00
Low Balance (less than $5 balance for > 6 months) | $5.00
Heritage High-Yield Checkingᵀᴹ and Loyalty Rewards Checkingᵀᴹ | Fee-free checking accounts
Paper Statement | $2.00
Fresh Start Checking | $10.00 per month
ODP Fee | $25.00 per occurrence
Unpaid NSF | No Charge
Overdraft Transfer Fee (from share account) | No Charge
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 Charge 1
All Other ATMs (Balance Inquiry, and/or Transfer) | $2.00 per transaction
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.
For Loan Payments up to $399 | $30.00
For Loan Payments $400-$599 | $45.00
For Loan Payments $600 and above | $60.00
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
Outgoing International Wire | $50.00
Incoming International Wire | $15.00
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*
Business Membership Savings | $5 | $5 | 0.10% | 0.10%
Business Money Market | $0 | < $2,500 | 1.29% | 1.30%
$2,500-$24,999 | 1.39% | 1.40%
$25,000-$49,999 | 1.39% | 1.40%
$50,000-$74,999 | 1.88% | 1.90%
$75,000-$99,999 | 2.23% | 2.25%
$100,000-$249,999 | 2.57% | 2.60%
$250,000-$499,999 | 2.72% | 2.75%
$500,000-$999,999 | 2.81% | 2.85%
$1,000,000+ | 2.86% | 2.90%
Extended Insurance Sweep 1 | None | < $100,000 | 0.50% | 0.50%
$100,000-$249,999 | 2.72% | 2.75%
$250,000-$499,999 | 2.86% | 2.90%
$500,000-$999,999 | 2.96% | 3.00%
$1,000,000 | 3.01% | 3.05%
Business Checking | $0 | $0 | 0.00% | 0.00%
Business Savings | $0 | $0 | 0.10% | 0.10%
ACCOUNT TYPE | Term | MIN. deposit | DIVIDEND RATE | APY*
Business Certificate | 6 Months | $500 | 3.94% | 4.00%
12 Months | $500 | 4.09% | 4.15%
24 Months | $500 | 3.45% | 3.50%
36 Months | $500 | 3.21% | 3.25%
60 Months | $500 | 3.21% | 3.25%
Promotional Certificate 2 | 9 Months | $500 | 4.23% | 4.30%
* APY = Annual Percentage Yield · Printed Dividend Rates and APYs are expected for the month of October. Rates are subject to change at any time by the Board of Directors. Any fees incurred could reduce the earnings on the account. Penalties may be imposed for early withdrawal of certificate. Accounts and rates are subject to membership eligibility and qualifications.
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 - Mission 1 (if below $500 minimum daily balance 2 ) | $10.00
Monthly Maintenance Fee - Launch 1 (if below $1,500 minimum daily balance 2 ) | $10.00
Monthly Maintenance Fee - Elevate 1 (if below $5,000 minimum daily balance 2 ) | $15.00
Cash Allowance Overage Fee - Launch 3 (above $7,500 monthly cash allowance) | 0.30% of overage
Cash Allowance Overage Fee - Elevate 3 (above $15,000 monthly cash allowance) | 0.20% of overage
Item Allowance Overage Fee - Launch 4 (above 50 monthly item allowance) | $0.35 per additional
Item Allowance Overage Fee - Elevate 4 (above 100 monthly item allowance) | $0.35 per additional
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 Charge 5
All Other ATMs (Balance Inquiry, and/or Transfer) | $2.00 per transaction
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.
ODP Fee | $35.00 per occurrence 6
Unpaid NSF | No Charge
Overdraft Transfer (from share account) | No Charge
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
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-Pay 7 /Payment Extension Fees | $75.00
Official Check | $5.00
Outgoing Domestic Wire | $25.00
Outgoing International Wire | $50.00
Incoming International Wire | $15.00
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 *
Business Preferred Mastercard ® | Revolving | 15.99% - 32.99% | Variable 1
Business Rewards Mastercard ® | Revolving | 17.99% - 32.99% | Variable 1
Business Lines of Credit: Secured Unsecured | Revolving Revolving | 8.00% - 12.00% 10.00% - 14.00% | Variable 1 Variable 1
Business Term Loans: Secured Unsecured | Up to 60 Months Up to 60 Months | 8.00% - 12.00% 10.00% - 14.00% | Fixed 2 Fixed 2
1 V ariable interest rates calculated by index (prime rate as published in Wall Street Journal) plus a margin, with rates as low as 7.25% APR and a ceiling of 32.74% APR.. Rate is variable and may change monthly.
ARM | CONVENTIONAL | VA | FHA | Jumbo
Interest Rate | 6.750% | 6.875% | 5.875% | 6.000% | 6.500% | 6.625% | 6.990% | 6.875% | 6.500%
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 | .875 f | 1 f | .875 f | 2.25 f | 1.25 f | 1.5 f | .875 f
APR 2 | 6.878% | 7.004% | 6.219% | 6.291% | 6.713% | 7.485% | 7.420% | 7.157% | 6.616%
Payment | $1297 | $1314 | $1674 | $1433 | $1264 | $1456 | $1329 | $1314 | $5057
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.