Current Rates

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!

 

Share and Term Certificate Rates

Effective August 21, 2017 | APY = Annual Percentage Yield

Term Certificate
Term $500-$19,999 $20,000-$49,999 $50,000-$99,999 $100,000 +
90 Days 0.15% 0.15% 0.20% 0.30%
180 Days 0.20% 0.20% 0.25% 0.35%
8 Months 0.25% 0.25% 0.30% 0.40%
9 Months 0.30% 0.30% 0.35% 0.45%
11 Months 0.40% 0.40% 0.45% 0.55%
12 Months 0.45% 0.45% 0.50% 0.60%
13 Months 1.15% 1.15% 1.20% 1.30%
18 Months 1.25% 1.25% 1.30% 1.40%
23 Months 1.10% 1.10% 1.15% 1.25%
24 Months 1.10% 1.10% 1.15% 1.25%
36 Months 1.20% 1.20% 1.25% 1.35%
48-60 Months 1.30% 1.30% 1.35% 1.45%
IRA Term Certificate
(Traditional, Roth, and SEP IRAs)
Term $500-$19,999 $20,000-$49,999 $50,000-$99,999 $100,000 +
12 Months 0.45% 0.45% 0.50% 0.60%
24 Months 1.10% 1.10% 1.15% 1.25%
Coverdell Education Savings Account Term Certificate
Term $500-$19,999 $20,000-$49,999 $50,000-$99,999 $100,000 +
12 Months 0.45% 0.45% 0.50% 0.60%
24 Months 1.10% 1.10% 1.15% 1.25%

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.

 
Share Deposits as of 9/1/17
Product $0-
$999
$1,000-
$4,999
$5,000-
$9,999
$10,000-
$19,999
$20,000-
$49,999
$50,000-
$99,999
$100,000
& Over
Primary Savings 0.10% 0.10% 0.10% 0.10% 0.10% 0.15% 0.15%
IRA Money Market Savings 0.10% 0.10% 0.10% 0.10% 0.10% 0.15% 0.20%
Platinum Plus Checking 0.05% 0.05% 0.05% 0.05% 0.10% 0.10% 0.10%
Daily Dividend Savings Account 0.05% 0.05% 0.05% 0.05% 0.10% 0.10% 0.10%
Platinum Money Market Savings 0.10% 0.10% 0.10% 0.10% 0.15% 0.20% 0.25%
High Yield Checking 0.85% 0.85% 0.85% 0.85% 0.56% 0.36% 0.36%
 

Loan Interest Rates

Effective August 21, 2017 | APR = Annual Percentage Rate | *as low as

Automobiles APR*
New Auto 2014 & newer up to 60 months 3.39%
New Auto 2014 & Newer up to 78 mos. 3.49%
New Auto 2014 & Newer up to 84 mos. 4.49%
Used Auto 2012-2013 up to 60 months 3.75%
Used Auto 2012 - 2013 up to 72 mos. 3.85%
Used Auto 2009 - 2011 up to 72 mos. 4.64%
Used Auto 2008 & Older up to 48 mos. 5.64%
 
Personal Advance APR*
Personal Advance 36 mos. 9.80%
Personal Advance 48 mos. 11.05%
Personal Line of Credit 18.00%
Trailers, Motor Homes, Boats APR*
2014 & Newer up to 120 mos. 3.89%
2014 & Newer up to 144 mos. 4.14%
2014 & Newer up to 180 mos. 4.64%
2012-2013 up to 84 mos. 4.90%
2012-2013 up to 120 mos. 4.90%
2010-2011 up to 84 mos. 7.25%
2009 & Older up to 72 mos. 8.25%
Specialty & Off-road Recreational Vehicles APR*
2016 & Newer 73 to 78 months 5.96%
2016 & Newer 79 to 84 months 5.99%
2014 & Newer up to 48 mos. 3.86%
2014 & Newer up to 60 mos. 4.50%
2014 & Newer up to 72 mos. 5.86%
2012-2013 up to 48 mos. 5.50%
2012-2013 up to 60 mos. 5.96%
2010-2011 up to 48 mos. 6.96%
2009 Models up to 36 mos. 7.96%
 
Credit Cards APR*
Visa 10.25%
MasterCard Gold 9.25%
VISA Platinum 8.25%
Visa Home Equity 6.00%
Visa Home Equity/Low Loan to Value (75% or Lower LTV) 5.00%
 
Second Mortgage APR*
60 mos. - 1st Lien Position 4.75%
60 mos. - 2nd Lien Position 5.90%
61 to 120 mos. - 1st Lien Position 4.75%
61 to 120 mos. - 2nd Lien Position 5.90%
121 to 180 mos. - 1st Lien Position 4.75%
121 to 180 mos. - 2nd Lien Position 6.50%
First Mortgage Interest Rate APR
10 Year Fixed Rate* 2.875% 3.243%
15 Year Fixed Rate* 2.875% 3.129%
20 Year Fixed Rate* 3.500% 3.701%
30 Year Fixed Rate*  3.625% 3.769%

8 Year No Fee First Mortgage**   3.75%
10 Year No Fee First Mortgage**   4.00%
15 Year No Fee First Mortgage***   4.50%
20 Year No Fee First Mortgage***   4.75%
30 Year No Fee First Mortgage***   5.00%

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. Mortgage rates quoted are note rates. Please contact the Mortgage Center at (208) 552-1035 for APRs.

*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, Westmark will waive or pay ALL loan fees. The refinance of an existing Westmark first mortgage may not qualify. On the 8 and 10 year No Fee First Mortgage purchase money loans, all major fees will be waived or paid by Westmark including origination, appraisal, closing, lender’s title policy, 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 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.

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