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 December 23, 2024 | APY = Annual Percentage Yield
Rates are tiered based on deposit.
Term | APY Rates are as high as: |
90 Days | 1.50% |
180 Days | 2.00% |
8 Months | 4.40% |
9 Months | 4.15% |
11 Months | 4.25% |
12 Months | 4.20% |
13 Months | 2.00% |
18 Months | 4.00% |
23 Months | 3.80% |
24 Months | 3.80% |
36 Months | 3.60% |
48 Months | 3.60% |
60 Months | 3.60% |
Liquid Term Certificate |
|
---|---|
Term | APY Rates are as high as: |
15 Months | 4.00% |
IRA Term Certificate(Traditional, Roth, and SEP IRAs) |
|
---|---|
Term | APY Rates are as high as: |
12 Months | 4.20% |
24 Months | 3.80% |
Coverdell Education Savings Account Term Certificate |
|
---|---|
Term | APY Rates are as high as: |
12 Months | 4.20% |
24 Months | 3.80% |
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 December 1, 2024 | APY = Annual Percentage Yield
Rates are tiered based on deposit.
Effective January 1, 2025 | 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 $1,000 to $99,999 | 2.35% |
Balances $100,000 to $249,999 | 2.45% |
Balances $250,000 to $499,999 | 2.55% |
Balances $500,000 and Higher | 2.60% |
Effective January 7, 2025 | APR = Annual Percentage Rate. The Annual Percentage Rates (APR) are our best rates.
Rates are subject to term, credit history, and underwriting criteria.
Effective February 5, 2025 | APR = Annual
Percentage Rate *Rates are subject to change
without notice*
First Mortgage |
Rate | APR* |
---|---|---|
10 Year Fixed* | 5.50% | 5.652% |
15 Year Fixed* | 5.75% | 5.855% |
20 Year Fixed* | 6.125% | 6.253% |
30 Year Fixed* | 6.50% | 6.596% |
No Fee Refinance Rates
|
||
8 Year No Fee** | 6.50% | 6.50% |
10 Year No Fee** | 6.50% | 6.50% |
15 Year No Fee*** | 6.75% | 6.75% |
20 Year No Fee*** | 7.125% | 7.125% |
30 Year No Fee*** | 7.50% | 7.50% |
30 Year First-Time Homebuyer |
7.25% | 7.306% |
Effective September 13, 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 (APR).
*The Annual
Percentage Rates 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 do not 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.