Current Savings & Loan Rates
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Westmark offers competitive lending and savings rates
Being a credit union means you, the shareholder, get better savings and lending rates. We offer a full range of savings and lending products, compare our rates here!
Effective May 1, 2024 | APY = Annual Percentage Yield
Rates are tiered based on deposit.
| Term | APY Rates are as high as: |
| 90 Days | 0.35% |
| 180 Days | 0.55% |
| 8 Months | 4.80% |
| 9 Months | 1.50% |
| 11 Months | 4.75% |
| 12 Months | 4.90% |
| 13 Months | 2.00% |
| 18 Months | 4.50% |
| 23 Months | 4.25% |
| 24 Months | 3.55% |
| 36 Months | 4.00% |
| 48 Months | 4.00% |
| 60 Months | 3.75% |
Liquid Term Certificate |
|
|---|---|
| Term | APY Rates are as high as: |
| 15 Months | 4.65% |
IRA Term Certificate(Traditional, Roth, and SEP IRAs) |
|
|---|---|
| Term | APY Rates are as high as: |
| 12 Months | 4.80% |
| 24 Months | 3.55% |
Coverdell Education Savings Account Term Certificate |
|
|---|---|
| Term | APY Rates are as high as: |
| 12 Months | 4.80% |
| 24 Months | 3.55% |
Rates are set by the Board of Directors and are subject to change without notice. Rates are quoted as Annual Percentage Yield (APY). Early withdrawal of funds may affect the APY. Contact a Full Service Representative at (208) 523-1071 for more information.
Minimum balance for a Term Certificate is $500 unless otherwise noted. Rates are set by the Board of Directors and are subject to change without notice. Rates are quoted as Annual Percentage Yield (APY). Early withdrawal of funds may affect the APY. A penalty may be imposed for early withdrawal and could reduce the earnings of this account. Contact a Member Service Representative at (208) 523-1071 for more information.
Effective May 1, 2024 | APY = Annual Percentage Yield
Rates are tiered based on deposit.
Effective April 1, 2024 | APY = Annual Percentage Yield
Rates are tiered based on deposit.
High-Yield Savings Rates are as high as: |
|
|---|---|
| Product | APY |
| Balances below $1,000 | 0% |
| Balances above $1,000 | 3.35% |
Effective May 9, 2024 | APR = Annual Percentage Rate. The Annual Percentage Rates (APR) are our best rates.
Your rate may be higher depending on credit history and underwriting criteria.
Used Automobiles |
APR* Rate As Low As: |
|---|---|
| 2018-2020 up to 60 months | 7.24% |
| 2018-2020 up to 72 months | 6.99% Promotional Rate |
| 2015-2017 up to 72 months | 9.74% |
| 2014 & Older up to 48 months | 9.74% |
Effective May 15, 2024 | APR = Annual Percentage Rate *Rates As Low As*
First Mortgage |
Rate | APR* |
|---|---|---|
| 10 Year Fixed* | 5.625% | 5.775% |
| 15 Year Fixed* | 5.875% | 5.979% |
| 20 Year Fixed* | 6.00% | 6.129% |
| 30 Year Fixed* | 6.50% | 6.596% |
| 8 Year No Fee** | 6.625% | 6.625% |
| 10 Year No Fee** | 6.625% | 6.625% |
| 15 Year No Fee*** | 6.875% | 6.875% |
| 20 Year No Fee*** | 7.00% | 7.00% |
| 30 Year No Fee*** | 7.50% | 7.50% |
First Time Home-Buyer30 Year Term |
7.25% | 7.306% |
Effective April 22, 2024 | APR = Annual Percentage Rate Rates As Low As:
These rates are based on approved credit, FICO score, loan-to-value, the length of term you select, and the type and age of collateral (if any). All rates quoted reflect the Annual Percentage Rate or APR.
*The Annual Percentage Rates (APR) are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
**On the 8, 10, 15, 20 and 30 year No Fee First Mortgage refinance loans, we will waive or pay ALL required loan fees which include origination, and flood hazard determination fees. Contact a loan officer for more details.
***The 15 and 30 year loans don't include the following fees. If necessary, they must be paid by the borrower:
- Private Mortgage Insurance Fees
- Closing Fees or Closing Costs required by third party sales
- Tax Service Fees
- Any fees required to close, not specifically included in the promotional offer
***If the loan is repaid in the first 5 years, borrowers will need to reimburse Westmark for the promotional fees covered by this program.
