What are the current interest rates at Credit Union West Credit Union?

Current rates for Credit Union West Credit Union include: 12-Month CD: 4.15%, 24-Month CD: 3.50%, 60-Month CD: 3.25%, Savings: 1.75%, MMA: 2.90%

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Credit Union West Credit Union

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Credit Union West Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union West Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Credit Union West Credit Union's top rates as of October 10, 2026 are 4.30% APY on its Promotional CD - 9 month, 1.75% APY on savings, 2.90% APY on money market accounts, 6.00% APY on checking, 6.62% on its CONVENTIONAL Loan mortgage, personal loans from 6.99% APR, and credit cards from 13.24% APR, according to rates verified by MonitorBankRates. Other Credit Union West Credit Union CD rates include 12 Month Flexible CDs at 4.15%, Business CD - 12 month at 4.15%, and CD - 12 month at 4.15%. Other Credit Union West Credit Union mortgage rates include ARM at 7.00%, FHA Loan at 6.88%, and ARM at 7.12%. MonitorBankRates evaluates the financial stability of Credit Union West Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.78%. Rates last updated and verified on 10/10/2026.

Credit Union West Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Credit Union West Credit Union? Share your experience about Credit Union West Credit Union by leaving a review below, or read customer reviews before you decide to use Credit Union West Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.78%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Credit Union West Credit Union
Corporate

10150 W Desert River Blvd
Glendale, AZ 85305

https://www.cuwest.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Credit Union West Credit Union CD Rates

Product	Rate	APY	Term
Promotional Certificate - 9 month	4.23%	4.30%	9 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
12 Month Flexible Certificates	-	4.15%	12 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Certificate - 12 month	4.09%	4.15%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
IRA Certificate - 12 month	4.09%	4.15%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Youth Certificate - 12 month	4.09%	4.15%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
6 Month Flexible Certificates	-	4.00%	6 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Certificate - 6 month	3.94%	4.00%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
IRA Certificate - 6 month	3.94%	4.00%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
24 Month Flexible Certificates	-	3.50%	24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Certificate - 24 month	3.45%	3.50%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
IRA Certificate - 24 month	3.45%	3.50%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
36 Month Flexible Certificates	-	3.25%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
60 Month Flexible Certificates	-	3.25%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Certificate - 36 month	3.21%	3.25%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Certificate - 60 month	3.21%	3.25%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
IRA Certificate - 36 month	3.21%	3.25%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
IRA Certificate - 60 month	3.21%	3.25%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Youth Certificate - 36 month	3.21%	3.25%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Business CD Rates

Product	Rate	APY	Term
Business Certificate - 12 month	4.09%	4.15%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Certificate - 6 month	3.94%	4.00%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Certificate - 24 month	3.45%	3.50%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Certificate - 36 month	3.21%	3.25%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Certificate - 60 month	3.21%	3.25%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Savings Rates

Product	Rate	APY
IRA Savings	1.74%	1.75%
Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Holiday Club	0.10%	0.10%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Business Savings Rates

Product	Rate	APY
Business Membership Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Money Market Rates

Product	Rate	APY
Jumbo Money Market	2.86%	2.90%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Jumbo Money Market	2.81%	2.85%
Min Balance $500,000 Details Balance: $500,000-$999,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Jumbo Money Market	2.72%	2.75%
Min Balance $250,000 Details Balance: $250,000-$499,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Jumbo Money Market	2.57%	2.60%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Money Market	2.23%	2.25%
Min Balance $75,000 Details Balance: $75,000-$99,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Money Market	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Money Market	1.88%	1.90%
Min Balance $50,000 Details Balance: $50,000-$74,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Money Market	1.39%	1.40%
Min Balance $2,500 Details Balance: $2,500-$24,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Money Market	1.39%	1.40%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Money Market	1.29%	1.30%
Min Balance $0 Details Balance: < $2,500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 1.40% → 1.30% ▼ 0.10 pts · high 1.40% / low 1.30% Oct 10, 20261.30%▼ from 1.40% Sep 18, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Jumbo Money Market	0.35%	0.35%
Min Balance $0 Details Balance: < $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.60% → 0.35% ▼ 2.25 pts · high 2.60% / low 0.35% Oct 10, 20260.35%▼ from 2.60% Sep 14, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Money Market Plus	0.35%	0.35%
Details Qualifications Required: Qualifications Not Met Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	2.86%	2.90%
Min Deposit $0 Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Money Market	2.81%	2.85%
Min Deposit $0 Min Balance $500,000 Details Balance: $500,000-$999,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Money Market	2.72%	2.75%
Min Deposit $0 Min Balance $250,000 Details Balance: $250,000-$499,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Money Market	2.57%	2.60%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Money Market	2.23%	2.25%
Min Deposit $0 Min Balance $75,000 Details Balance: $75,000-$99,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Money Market	1.88%	1.90%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000-$74,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Money Market	1.39%	1.40%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500-$24,999 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.40% ▲ 0.10 pts · high 1.40% / low 1.30% Sep 18, 20261.40%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Money Market	1.39%	1.40%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Money Market	1.29%	1.30%
Min Deposit $0 Min Balance $0 Details Balance: < $2,500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Checking Rates

Product	Rate	APY
Heritage High-Yield CheckingTM	5.84%	6.00%
Details Qualifications Required: Qualifications Not Met; Balance: <= $20,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.01% → 6.00% ▲ 5.99 pts · high 6.00% / low 0.01% Oct 10, 20266.00%▲ from 0.01% Sep 14, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Heritage High-Yield CheckingTM	0.01%	0.01%
Details Qualifications Required: Qualifications Not Met Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
CONVENTIONAL Loan	6.625%	0.75	6.956%	15 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.96% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
ARM	7.00%	0	7.13%	5/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.13% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
FHA Loan	6.875%	1.5	7.157%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 6.77% → 7.16% ▲ 0.39 pts · high 7.16% / low 6.77% Oct 10, 20267.16%▲ from 6.77% Sep 27, 20266.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
ARM	7.125%	0	7.256%	7/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
CONVENTIONAL Loan	7.00%	0.75	7.269%	20 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.76% → 7.27% ▲ 0.50 pts · high 7.27% / low 6.76% Oct 10, 20267.27%▲ from 6.76% Sep 18, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Jumbo Loan	7.25%	0.875	7.372%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 6.99% → 7.37% ▲ 0.38 pts · high 7.37% / low 6.99% Oct 10, 20267.37%▲ from 6.99% Sep 22, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
CONVENTIONAL Loan	7.25%	0.875	7.473%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 7.09% → 7.47% ▲ 0.38 pts · high 7.47% / low 7.09% Oct 10, 20267.47%▲ from 7.09% Sep 22, 20267.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan (Building Additions, Home Improvements, Solar Financing, etc.)	-	-	5.75%	Up to 300 Months
Details Published APR range: 5.75% - 13.00%. Fixed Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.00% → 5.75% ▼ 0.25 pts · high 6.00% / low 5.75% Oct 10, 20265.75%▼ from 6.00% Sep 18, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Home Equity Line of Credit	-	-	7.25%	Revolving
Details Published APR range: 7.25% - 13.75%. Variable Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 2, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans (up to 20 years old)	-	-	5.49%	Up to 96 Months
Details Published APR range: 5.49% - 23.00%. Fixed Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 10, 20265.49%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Credit Card Rates

Product	Rate	APR
Platinum Preferred Mastercard	-	13.24%
Details Published APR range: 13.24% - 23.99%. Variable Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.99% → 13.24% ▲ 0.25 pts · high 13.24% / low 12.99% Oct 10, 202613.24%▲ from 12.99% Sep 14, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Preferred Mastercard	-	15.99%
Details Published APR range: 15.99% - 32.99%. Variable Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 15.74% → 15.99% ▲ 0.25 pts · high 15.99% / low 15.74% Oct 10, 202615.99%▲ from 15.74% Sep 14, 202615.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
World Rewards Mastercard	-	16.24%
Details Published APR range: 16.24% - 24.00%. Variable Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 15.99% → 16.24% ▲ 0.25 pts · high 16.24% / low 15.99% Oct 10, 202616.24%▲ from 15.99% Sep 14, 202615.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Rewards Mastercard	-	17.99%
Details Published APR range: 17.99% - 32.99%. Variable Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 17.74% → 17.99% ▲ 0.25 pts · high 17.99% / low 17.74% Oct 10, 202617.99%▲ from 17.74% Sep 14, 202617.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Personal Loan Rates

Product	APR	Term
Personal Home Improvement (Kitchen remodel, new pool, HVAC replacement, landscaping, etc.) Loan	6.99%	Up to 300 Months
Details Published APR range: 6.99% -8.24%. Fixed Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 10, 20266.99%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Lines of Credit: Unsecured Loan	10.00%	Revolving
Details Published APR range: 10.00% - 14.00%. Variable Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75% Oct 10, 202610.00%▲ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Term Loans: Unsecured	10.00%	Up to 60 Months
Details Published APR range: 10.00% - 14.00%. Fixed Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75% Oct 10, 202610.00%▲ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Personal Loan (Dental, Jewelry, Weddings, Debt Consolidation, etc.)	10.99%	Up to 84 Months
Details Published APR range: 10.99% - 25.74%. Fixed Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Credit Union West Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Reserve Loan	-	-	14.90%	Revolving
Details Fixed Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Extended Insurance Sweep	0.50%	-	0.50%
Min Balance $0 Details Balance: < $100,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Extended Insurance Sweep	2.72%	-	2.75%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 2.75% ▲ 2.25 pts · high 2.75% / low 0.50% Sep 18, 20262.75%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Extended Insurance Sweep	2.86%	-	2.90%
Min Balance $250,000 Details Balance: $250,000-$499,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Extended Insurance Sweep	2.96%	-	3.00%
Min Balance $500,000 Details Balance: $500,000-$999,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Business Extended Insurance Sweep	3.01%	-	3.05%
Min Balance $1,000,000 Details Balance: $1,000,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Extended Insurance Sweep	0.50%	-	0.50%
Min Balance $0 Details Balance: < $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 0.50% ▼ 2.25 pts · high 2.75% / low 0.50% Oct 10, 20260.50%▼ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Extended Insurance Sweep	2.72%	-	2.75%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Extended Insurance Sweep	2.86%	-	2.90%
Min Balance $250,000 Details Balance: $250,000-$499,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Extended Insurance Sweep	2.96%	-	3.00%
Min Balance $500,000 Details Balance: $500,000-$999,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Extended Insurance Sweep	3.01%	-	3.05%
Min Balance $1,000,000 Details Balance: $1,000,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Membership Share	0.10%	-	0.10%
Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Other Share	0.10%	-	0.10%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Credit Union West Credit Union’s Texas Ratio fell from 3.74% in Q3 2023 to 2.78% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	2.78%	5.0	A+
March 31, 2026	$1.5B	2.74%	5.0	A+
December 31, 2025	$1.4B	2.76%	5.0	A+
September 30, 2025	$1.3B	2.75%	5.0	A+
June 30, 2025	$1.3B	2.36%	5.0	A+
March 31, 2025	$1.3B	2.33%	5.0	A+
December 31, 2024	$1.3B	1.75%	5.0	A+
September 30, 2024	$1.3B	3.25%	5.0	A+
June 30, 2024	$1.3B	2.64%	5.0	A+
March 31, 2024	$1.2B	2.36%	5.0	A+
December 31, 2023	$1.2B	2.89%	5.0	A+
September 30, 2023	$1.2B	3.74%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Credit Union West Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Credit Union West Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Credit Union West Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union West Credit Union

Website https://www.cuwest.org

Address 10150 W Desert River Blvd, Glendale, AZ 85305

Phone 602-631-3200

Fax

President Gary Larberg

CEO Karen Roch

Full-Time Employees 247

Part-Time Employees 16

Branch Locations 15

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.78%

Return on Assets (ROA)

0.2893%

Return on Equity (ROE)

2.7554%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

1,452,789,480

Total Amount of Shares and Deposits

1,279,442,050

Total Shares and Deposits < 1 Year

1,257,306,282

Total Shares and Deposits 1 3 Years

18,267,675

Total Shares and Deposits > 3 Years

3,868,092

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

120,286,911

Total Uninsured Shares and Deposits > $250K (F+J)

120,286,911

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,159,155,139

Total Interest Expense (Sum of items 6 8)

15,300,505

Share Certificates

9,543

Number of Accounts for Share Drafts

41,235

IRA KEOGH Accounts

2,415

Number of Accounts for Regular Shares

108,004

Non Member Deposits

Money Market Shares

9,858

Net Income (unless the amount is already included in Undivided Earnings)

4,202,550

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

41,034,850

Total Liabilities

1,306,752,060

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Credit Union West Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Credit Union West Credit Union

How many branches does Credit Union West Credit Union operate?

Credit Union West Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Credit Union West Credit Union?

Yes, to access services at Credit Union West Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Credit Union West Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union West Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Credit Union West Credit Union offer online and mobile banking?

Most modern institutions like Credit Union West Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cuwest.org.

Current Credit Union West Credit Union Rates

12-Month CD4.15%
24-Month CD3.50%
60-Month CD3.25%
Savings1.75%
MMA2.90%

Retrieved from our database of financial products. Rates subject to change.

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Credit Union West Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Credit Union West Credit Union Texas Ratio

Credit Union West Credit Union Health Trend

Credit Union West Credit Union CD Rates

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Credit Union West Credit Union Business Savings Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Credit Union West Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Credit Union West Credit Union

How many branches does Credit Union West Credit Union operate?

Is a member application needed to join Credit Union West Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Credit Union West Credit Union offer online and mobile banking?

Current Credit Union West Credit Union Rates

Compare to Other Credit Unions