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P.O. Box 7600
Glendale, AZ 85312

Credit Union West is an Arizona-based cooperative that is currently open for membership to local residents and family members of account holders. The credit union offers products and services through the personal and business banking aspects of its business.

As far as its personal banking products, Credit Union West offers savings, checking, money market, and certificate accounts to meet its members’ needs. Its checking account options include a free, basic account and an account that offers opportunities to earn rewards and discounts. The latter checking account offers rebates from national retailers, discounts at local stores and restaurants, and grocery coupons, as well as various ways to reduce the account’s monthly service fee. Savings accounts are available and can be opened with a small initial deposit. Money market accounts reward larger balances with higher rates of interest and have a higher initial deposit minimum than the credit union’s savings account. Certificates and IRAs are offered in term lengths ranging from 6 to 60 months. Youth accounts offered provide access to straightforward checking and savings account for children, teens, and students. Credit Union West has been recognized by DepositAccounts in the past for its long-term Certificate rates.

Credit Union West online banking provides a platform for members to check their account balances, make loan and credit card payments, pay bills, and transfer funds between accounts. The credit union’s website also provides member education resources like budget software, financial counseling, and identity theft services.

Credit Union West was organized and chartered in 1961 and is headquartered in Glendale, Arizona. It serves its members through multiple branches located across the state of Arizona.

Field of Membership Restrictions

Membership is open to all who live, work, or worship in Maricopa or Yavapai Counties in Arizona. - See Details

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Top 5-year CD and IRA CD Rates at Credit Union West in AZ - 12/4/2013

PenFed isn’t the only credit union offering 3% CDs. Another credit union came out with a December CD special with even some higher rates. It’s Credit Union West and it’s offering 5-year CDs and IRA CD ...

Competitive 5-year CD and IRA CD Rates at Credit Union West in AZ - 6/20/2013

I last reviewed Credit Union West in May because of its reward checking account. I just noticed another noteworthy thing about this credit union. It’s offering very competitive 5-year CDs and IRA CDs. ...

New Reward Checking Account at Credit Union West in Arizona - 5/23/2013

I first reported on Credit Union West in 2007 when it was offering a reward checking account called Star Checking. Back in the early days the Star Checking was a very competitive reward checking accou ...

Reviews (2)

Credit Union Uses Unfair Policys

I had a direct deposit with C/W for almost two years. I had a checking account and a $3000 limit credit card with automatic payment deduction. I have never been late and yet I received a notice in the mail my credit card had been cancelled. When I inquired why I was informed that my credit score had fell to 695 and the credit union required a score of 705. It didn't matter that I was an established customer with a perfect payment record. The low credit score was a one month mistake and my score returned to above 705. The credit union didn't follow up and recheck the score and reissue the card. The credit union used poor judgement and was too prompt to abandon a loyal customer.

Robbing You Blind

Credit Union West ....First off, they do not have a way to pay your loans online, or from your bank new age is that? Get with the program. Then, they can't get my status or my married name on my accounts. Is anyone doing there job there? I am so glad I stopped using them as my primary bank, I would probably be broke from all the fees. And when I have my car loan paid off with them, I will be so glad to have them out of my life forever. Beware people, and make sure you do your check-ups on your banks...everyone is out to take your money.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Credit Union West had $309,000 in non-current loans and owned real-estate with $54.14 million in equity and loan loss allowances on hand to cover it. This gives Credit Union West a Texas Ratio of 0.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Credit Union West decreased dramatically from 1.43% as of December 31, 2012 to 0.57% as of December 31, 2013, resulting in a positive change of 60.02%.This indicates that the balance sheet and financial strength for Credit Union West has improved dramatically in recent periods.

Deposit Growth


In the past year, Credit Union West has increased its total deposits by $18.97 million, resulting in 4.35% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Credit Union West has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Credit Union West has $512.2 million in assets with $54.14 million in equity, resulting in a capitalization level of 10.57%, which is above average.

Institution Statistics

NCUA #68421
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$512.20 million
Loans$360.47 million
Deposits$454.68 million
Equity Capital$51.11 million
Loan Loss Allowance$3.04 million
Unbacked Noncurrent Loans$309,000
Real Estate Owned$0
Historic Data - December 2012
Assets$484.15 million
Equity Capital$43.24 million
Loan Loss Allowance$5.09 million
Unbacked Noncurrent Loans$309,000
Real Estate Owned$445,000
Profit Margin - Quarterly
Net Interest Margin4.94%
Return on Assets1.72%
Return on Equity17.21%
Interest Income$20.30 million

Always verify rates and promotions with the bank or credit union. We are not Credit Union West, we are a rate comparison website and can not provide official rates or promotions.

Credit Union West Savings Account Rates

0.20%--IRA Savings
0.01%--Holiday Club
0.01%--Membership Share
0.01%--Other Share Account

Credit Union West Money Market Rates

0.15%$50k-Money Market Account

Credit Union West Checking Account Rates

2.51%-$10kKasasa Cash
0.01%--Kasasa Cash
0.01%--Choice Checking

Credit Union West CD Rates

1.95%$50k-60 Month CD
0.70%$50k-24 Month CD
0.30%$50k-12 Month CD
0.25%$500$10k12 Month Youth Certificate
0.20%$50k-6 Month CD

Credit Union West IRA Rates

2.20%$50k-60 Month IRA Certificate (Traditional,Roth,CESA)
0.95%$50k-24 Month IRA Certificate (Traditional,Roth,CESA)
0.55%$50k-12 Month IRA Certificate (Traditional,CESA)
0.55%$50k-12 Month Roth IRA Certificate
0.45%$50k-6 Month IRA Certificate (Traditional,Roth,CESA)

Credit Union West has 12 locations. Click to view all Credit Union West locations.