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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Westmark Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Westmark Credit Union's Term CD - 36 month rates are at 4.40%, Term CD - 48 month rates are at 4.40%, Term CD - 60 month rates are at 4.40%, Term CD - 24 month rates are at 4.35%, Term CD - 18 month rates are at 4.25%. Westmark Credit Union's savings rates are at 2.45%. Westmark Credit Union's money market rates are at 2.00%. Westmark Credit Union's checking rates are as high as 0.10%. Westmark Credit Union's First Mortgage Loan - 10 Year Fixed rates are at 5.88%, First Mortgage Loan - 15 Year Fixed rates are at 6.25%, First Mortgage Loan - 20 Year Fixed rates are at 6.50%, First Mortgage Loan - 30 Year Fixed rates are at 6.88%. Westmark Credit Union's Personal Loan Rates are as low as 18.00%. Westmark Credit Union's Credit Card Rates are at 8.75%. Westmark Credit Union's CD rates are 49% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Westmark Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.04%. Rates last updated and verified on 10/30/2026. Westmark 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 Westmark Credit Union? Share your experience about Westmark Credit Union by leaving a review below, or read customer reviews before you decide to use Westmark Credit Union. Westmark Credit Union
Eastside Branch 2520 Channing Way
https://www.westmark.org Idaho Falls, ID 83404  Customer Reviews
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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. Westmark Credit Union CD Rates
Westmark Credit Union Savings Rates
Westmark Credit Union Money Market Rates
Westmark Credit Union Checking Rates
Westmark Credit Union Mortgage Rates
Westmark Credit Union Home Equity & HELOC
Westmark Credit Union Auto Loan Rates
Westmark Credit Union RV, Boat and Powersport Loan Rates
Westmark Credit Union Credit Card Rates
Westmark Credit Union Personal Loan Rates
Westmark Credit Union Other Rates
Financial Health HistoryWestmark Credit Union’s Texas Ratio rose from 1.49% in Q3 2023 to 3.04% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Westmark 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 Westmark 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 Westmark Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Westmark Credit Union
Website
https://www.westmark.org
Address
2520 Channing Way,
Idaho Falls, ID 83404
Phone
208-528-8315
Fax
208-528-6403
President
Stephen Hammon
CEO
Derik Nielsen
Full-Time Employees
282
Part-Time Employees
4
Branch Locations
15
ATM Locations
15
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.04%
Return on Assets (ROA)
0.2305%
Return on Equity (ROE)
2.8951%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
1,655,922,204
Total Amount of Shares and Deposits
1,386,362,689
Total Shares and Deposits < 1 Year
1,318,809,255
Total Shares and Deposits 1 3 Years
63,017,598
Total Shares and Deposits > 3 Years
4,535,835
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
146,147,390
Total Uninsured Shares and Deposits > $250K (F+J)
146,147,390
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,240,215,299
Total Interest Expense (Sum of items 6 8)
18,146,357
Share Certificates
11,089
Number of Accounts for Share Drafts
50,191
IRA KEOGH Accounts
2,719
Number of Accounts for Regular Shares
98,411
All other shares
1,418
Non Member Deposits
17
Money Market Shares
10,456
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)
56,459,868
Total Liabilities
1,524,026,019
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Westmark Credit Union
Frequently Asked Questions About Westmark Credit UnionDoes Westmark Credit Union offer CDs?Yes. Westmark Credit Union current CD rates include its Term CD - 36 month at 4.40% APY, its Term CD - 48 month at 4.40% APY and its Term CD - 60 month at 4.40% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Westmark Credit Union NCUA insured?Yes. Westmark Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Westmark Credit Union?The highest Westmark Credit Union CD rate is its Term CD - 36 month at 4.40% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Westmark Credit Union offer?Westmark Credit Union CD rates are 3.90% APY for a 12 month CD, 4.25% APY for an 18 month CD, 4.35% APY for a 2 year CD, 4.40% APY for a 3 year CD, 4.40% APY for a 4 year CD and 4.40% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Westmark Credit Union for its full lineup. What is the highest savings rate at Westmark Credit Union?The highest Westmark Credit Union savings rate is its High-Yield Savings at 2.45% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Westmark Credit Union?The highest Westmark Credit Union money market rate is its Premium Money Market at 2.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Westmark Credit Union?The highest Westmark Credit Union checking rate is its Premium Checking at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Westmark Credit Union?The lowest Westmark Credit Union 30 year fixed mortgage rate is its First Mortgage Loan - 30 Year Fixed at 6.875%, verified by MonitorBankRates as of October 30, 2026. Westmark Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.50% for a 20 year mortgage, 6.25% for a 15 year mortgage and 5.875% for a 10 year mortgage. What is the lowest auto loan rate at Westmark Credit Union?The lowest Westmark Credit Union auto loan rate is its Auto Loan at 5.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Westmark Credit Union?The lowest Westmark Credit Union personal loan rate is its Personal Line of Credit at 18.00% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Westmark Credit Union?The lowest Westmark Credit Union credit card APR is its VISA Home Equity (Standard Variable) Credit Card at 8.75% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Westmark Credit Union operate?Westmark 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 Westmark Credit Union?Yes, to access services at Westmark 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, Westmark 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, Westmark Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Westmark Credit Union offer online and mobile banking?Most modern institutions like Westmark 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.westmark.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Westmark Credit Union rates compare?Westmark Credit Union's CD rates are 49% higher than the MonitorBankRates national average, and it has an A+ health rating. Westmark Credit Union's top rates are its Term CD - 36 month at 4.40% APY, its High-Yield Savings at 2.45% APY, its Premium Money Market at 2.00% APY, its Premium Checking at 0.10% APY, its First Mortgage Loan - 10 Year Fixed at 5.875%, its Personal Line of Credit at 18.00% APR and its VISA Home Equity (Standard Variable) Credit Card at 8.75% APR, verified by MonitorBankRates on October 30, 2026. Current Westmark Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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