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!


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Effective July 22, 2019 | APY = Annual Percentage Yield

Rates are tiered based on deposit. Rates shown are lowest to highest tier. 

Term Certificate

Term APY
90 Days 0.25%  -0.40%
180 Days 0.50% - 0.65%
8 Months 0.90% - 1.05%
9 Months 2.60% - 2.60%
11 Months 2.00% - 2.15%
12 Months 2.20% - 2.35%
13 Months 2.20% - 2.35%
18 Months 2.40% - 2.55%
23 Months 2.40% - 2.55% 
24 Months 2.40% - 2.55%
36 Months 2.50% - 2.65%
48-60 Months 2.65% - 2.80%

IRA Term Certificate

(Traditional, Roth, and SEP IRAs)

$500-$19,999

Term APY
12 Months 2.20% - 2.35%
24 Months 2.40% - 2.55%

Coverdell Education Savings Account Term Certificate

$500-$19,999

Term APY
12 Months 2.20% - 2.35%
24 Months 2.40% - 2.55%

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.


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Effective August 1, 2019 | APY = Annual Percentage Yield

Rates are tiered based on deposit. Rates shown are lowest tier to highest tier

Share Deposits

Product APY
Primary Savings 0.10% - 0.15%
Daily Dividend Savings 0.05% - 0.10%
IRA Money Market  0.15% - 0.45%
Premium Checking 0.10% - 0.25%
Premium Money Market 0.10% - 1.21%
Platinum Money Market 0.10% - 0.35%
Little Eagles Savings 0.20% - 0.25%
Prime 55 Checking 0.05% - 0.05%
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Effective August 8, 2019 | 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. 

New Automobiles

APR* 
2017 & newer up to 60 mos. 4.44%
2017 & newer up to 72 mos. 4.69%
2017 & newer up to 78 mos. 4.99%
2017 & newer up to 84 mos. 5.54%

Used Automobiles

APR*
2014-2016 up to 60 mos. 4.59%
2014-2016 up to 72 mos. 4.84%
2011-2013 up to 72 mos. 5.34%
2010 & Older up to 48 mos. 6.19%
Trailers, Motor Homes, Boats APR*
2017 & newer up to 120 mos. 5.09%
2017 & newer up to 144 mos. 5.44%
2017 & newer up to 180 mos. 6.24%
2014-2016 up to 84 mos. 6.10%
2014-2016 up to 120 mos. 6.10%
2012-2013 up to 84 mos. 8.25%
2011 & Older up to 72 mos. 9.25%
Specialty & Off-road
Recreational Vehicles
APR*
2019 & newer 73 to 78 months 5.99%
2019 & newer 79 to 84 months 6.49%
2017 &newer  up to 48 mos. 4.24%
2017 & newer up to 60 mos. 4.84%
2017 & newer up to 72 mos. 5.64%
2014-2016 up to 48 mos. 6.25%
2014-2016 up to 60 mos. 6.71%
2012-2013 up to 48 mos. 7.71%
2011 Models up to 36 mos. 8.71% 
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Effective July 22, 2019 | APR = Annual Percentage Rate

Personal Advance

APR*
36 months 10.30%
48 months 11.55%
Personal Line of Credit 18.00%
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Effective July 22, 2019 | APR = Annual Percentage Rate

Rates are tiered based on credit score. Rates shown are lowest tier to highest tier.

Credit Cards

APR*
VISA Cash Rewards 13.25% - 17.25%
VISA Platinum 9.25% - 13.25%
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Effective July 22, 2019 | APR = Annual Percentage Rate

Home Equity

APR*
VISA Home Equity 7.00%
VISA Home Equity
with Premium Checking Discount
6.75%
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Effective August 5, 2019 | APR = Annual Percentage Rate

First Mortgage

Rate  APR*
10 Year Fixed*  3.00% 3.303%
15 Year Fixed* 3.00% 3.246%
20 Year Fixed* 3.375% 3.568%
30 Year Fixed*  3.50% 3.639%
     
8 Year No Fee** 4.50% 4.50%
10 Year No Fee** 4.50% 4.50%
15 Year No Fee*** 4.75% 4.75%
20 Year No Fee*** 4.875% 4.875%
30 Year No Fee*** 5.00% 5.00%

Second Mortgage

APR*
60 mos. - 1st Lien Position 4.49%
60 mos. - 2nd Lien Position 6.49%
61-120 mos. - 1st Lien Position 4.49%
61-120 mos. - 2nd Lien Position 6.49%
121-180 mos. - 1st Lien Position 4.49%
121-180 mos. - 2nd Lien Position 6.49%

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, 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, 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.