Build Up Your Credit

Four llamas standing in a field with long, shaggy coats. It appears to be windy and the field has very tall yellowing grasses.

Save the Credit Drama for the Llamas!

Tired of fighting off credit drama when you’re ready to take the next step toward a new car, house, or loan? At Community West, we’re offering a unique “package deal” to help build your credit and navigate your finances with a loan to build your credit, a checking account that has your back, and a high-yield savings account.

Credit Builder Loan

Struggling to get a loan for important things like a car or a house because of your credit? Community West Credit Union can help. Our Credit Builder Loan is there to help you build or fix your credit. Here are some unique aspects of this loan:

  • Establish/improve your credit score with on-time payments
  • $500 loan that earns interest in a Certificate of Deposit for 1 year. After the term, the $500 and interest are yours to keep!

The Credit Builder Loan can help put your credit a step in the right direction!

Rates effective as of today.

DESCRIPTION APR* (as low as)
Credit Builder CD Rate + 8.00%

12 Month Repayment term
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 12.25% APR is $88.97 per 12-month term. Certain loans may have more requirements.

Navigator Checking

When you open a Navigator Checking account at Community West Credit Union, you can enjoy a range of exciting features, including:

  • Overdraft forgiveness up to 12 NSF/non-return fees refunded over the life of the account
  • No minimum balance requirements
  • No monthly service or maintenance fees
  • Free online banking and mobile app with check deposit
  • Easy, secure account monitoring with eStatements and eNotices
  • Convenient access to our network of 30,000+ ATMs nationwide

Navigator Checking is great for anyone who enjoys the peace of mind that comes from knowing that their checking account has them covered.

Navigator Checking Requirements:
Overdraft forgiveness includes up to 12 NSF/non-return fees refunded over the life of the account. To qualify for fee reversal, members must have active online banking, eStatements, and eNotices.

Navigator Savings

Whether you’re struggling to start, or looking for an extra boost, this new savings account can help you stay afloat.
Get started with a Navigator Savings account, where you can earn up to 5.00% APY* on your deposits. When you combine with a checking account and debit card, you’ll be well on your way to seeing your savings soar! The best part:

  • Earn higher interest than traditional savings
  • No minimum balance required
  • No monthly maintenance fees

Rates effective as of today.

DESCRIPTION RATE APY*
Navigator Savings ($0.00 – $499.99) 4.18% 4.25%
Navigator Savings ($500.00 – $999.99) 4.91% 5.00%
Navigator Savings ($1,000.00 – $2,499.99) 2.48% 2.50%
Navigator Savings ($2,500.00+) 0.50% 0.50%

*APY = Annual Percentage Yield. Rates subject to change. No minimum balance is required. Limit 1 per membership. Checking with a debit card required to open account. Not eligible for combination with business or youth checking accounts. Charges may reduce earnings on account. Click here for the Schedule of Service Charges.

How to Get Started

To open an account is as simple as meeting with one of our friendly representatives. No matter which location you visit, you’ll need to bring a few things with you, including:

  • At least one account owner who is 18 or older
  • Some basic information, including name, birth date, address, email, and phone number
  • A valid government photo ID, such as a driver’s license, military ID, state ID, or passport
  • Proof of social security number
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