The Current
The Current Fall 2022

The Current Fall 2022

Download the Fall 2022 Newsletter as a PDF CWCU Appoints New CEO Community West Credit Union is pleased to announce that Heidi Hunt has been appointed as President and CEO after President and CEO Jon Looman stepped down from his role with the organization.Heidi has over 25 years of experience
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Morning Fog Over A Beautiful Lake Surrounded By Pine Tree

How Much Should Your Car Down Payment Be?

Purchasing a new vehicle is a big decision. Being in a comfortable financial position that allows you to upgrade your vehicle is a great feeling. However, it is crucial to carefully consider all aspects of the purchasing process, including an appropriate amount of money to put down when taking out
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Parent Teaching Child How To Skip Rocks Across The Lake

When Should Parents Start Saving for College?

Higher education offers young adults many advantages and avenues for reaching their personal and professional goals. For instance, a college degree may lead to increased job prospects, greater earning potential, and networking opportunities. However, it also costs a substantial amount of money.Parents who want to make sure their children are
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Woman sitting next to lake using laptop

4 Things to Know When Buying Your First Car

Being in a position to buy your first car is a huge accomplishment. While the search for your new ride can be an exciting experience, it can also be a stressful endeavor if not done correctly. Planning ahead can help make the car buying process easier for first-time buyers. At
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The Current Summer 2022

The Current Summer 2022

Download the Summer 2022 Newsletter as a PDF Does Your House Need Love? Summer is the perfect time to fix up your home and make improvements you love! Home improvement projects can be costly and often turn into DIY projects. However, there are a few projects that don’t cost a
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Happy couple sitting on a sandy beach at sunset

Ways to Pay Off Your Mortgage Early

For many homeowners, monthly mortgage payments make up the bulk of their budget, and paying their mortgage off faster could mean more money in their pockets for other things. The good news is there are many things people can do to pay off their mortgages sooner. Community West Credit Union,
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Child standing on a rock in a stream

When Should You Open a Bank Account for Your Child?

From setting screen-time limits to ensuring safe browsing habits, technology has changed many of the things parents need to teach their children at home. The way purchases are made has also changed, and kids inevitably will need to know how this process works. At Community West Credit Union in West
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Field In A Rural Area Under Cloudy Blue Sky In Michigan

How Do Land Loans Work? Everything You Need to Know

For some, acquiring land is the ideal situation. When you own a plot of land, you’re free to hunt, camp, or even build on it. But when it comes to purchasing that land, you may need to secure a land loan to finance the property. Before you apply for a
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Smart Renovations to Attract More Buyers

Smart Renovations to Attract More Buyers

Right now, it’s challenging to find a new home. Houses are marked as “pending” the day they are listed, people are waving home inspections, paying over the appraised value, and you must be pre-approved for a loan before you can even look. Many homeowners are choosing to skip renovations since
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Ways to Build Credit before Buying a House

Ways to Build Credit before Buying a House

You’ve crunched the numbers, did the research, and you’re ready. It’s time to buy a home. This is an exciting time, but it can become tricky for those who haven’t built up credit or have poor credit. Maybe you’ve avoided debt or maybe you hit a rough patch that impacted
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Bow of cedar canoe on a lake at sunset

Reasons to Consider a Zero-Down Mortgage

If you wish to buy a new home but haven’t sold your current home, a zero-down mortgage might be the perfect solution for you. This financing option also allows you to pay for a home without waiting years to save cash for a down payment. At Community West Credit Union,
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The Current Spring 2022

The Current Spring 2022

Download the Spring 2022 Newsletter as a PDF Love it? Don’t list it! Upgrade your current home using your home’s equity. APPLY NOW Tips for Spring Cleaning Spring is here, which means it’s that time of the year to do a deep clean of your home. Don’t miss the cleaning
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RV on campsite next to kayak and river

RV Loans: What You Need to Know About Securing Financing

Exploring the outdoors, traveling comfortably, and making memories: these are a few of the things you can do with an RV. The opportunities and experiences are endless, but if you’re on the fence about getting one, RV loans are great for making this large investment more affordable. Here, Community West
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The Current Winter 2022

The Current Winter 2022

Download the Winter 2022 Newsletter as a PDFWinter Wonder-LoanCozy up with a Great Rate!- 5.99% APR¹- Max Loan Amount: $7,500- 12 Month Term- Available October 18, 2021, through February 28, 2022 APPLY NOW Vern Hyde ScholarshipScholarship expands to offer College, University, and Trade School Opportunities.This scholarship, given out by Community
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The Current Fall 2021

The Current Fall 2021

Download the Fall 2021 Newsletter as a PDFWinter Wonder-LoanCozy up with a Great Rate!- 5.99% APR¹- Max Loan Amount: $7,500- 12 Month Term- Available October 18, 2021, through February 28, 2022 APPLY NOW Go Ahead, Check Us Out!Take a virtual tour of the Community West Credit UnionHeadquarters and Kentwood Branch.
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The Current Summer 2021

The Current Summer 2021

Download the Summer 2021 Newsletter as a PDF
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6 Spring Cleaning To-Dos to Keep your Home Maintained

6 Spring Cleaning To-Dos to Keep your Home Maintained

Spring in West Michigan is the perfect time to spruce up your home after the dreary winter weather! Not only can winter dampen our moods, but it can also take a toll on our homes. We’ve shared six items to mark off your spring cleaning to-do list to help keep
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The Current Spring 2021

The Current Spring 2021

Download the Spring 2021 Newsletter as a PDF
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shopping bags on red background

Ready, Set, Buy – Prepare for Holiday Shopping

Have you ever felt money-related stress around the holidays? Yeah, we’ve all been there. Before you know it, the holidays will be here, leaving us wondering where the time went. Holiday shopping can be stressful, but being prepared can ease the mental load. Set a Budget NOW!  Before you go
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Tips for Creating a Strong Password

Tips for Creating a Strong Password

A strong password is a crucial step in keeping your private information, well private. Passwords that are too simple, too short, or use easy to find information, like your birthday, can be easily hacked. So what type of passwords should you use? DO 1. Have a password you can easily
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Dinner on CWCU

Dinner on CWCU

We wanted to thank our team for all of their hard work during this tough season while also supporting the community. The solution? Pay it forward with dinner on CWCU to any local restaurant! Each staff member was reimbursed during the month of July to enjoy a meal with their
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calm lake with boulders at sunset

8 Reasons to Save with Debit Card Round-Up

Have you heard about Debit Card Round-Up? It’s the free tool that helps you save as you spend! The best part? It’s automatic, so there’s no guesswork or manual transfers required from you! Using your debit card, each purchase you make will be rounded up to the nearest dollar. Then,
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What to Keep and What to Shred?

What to Keep and What to Shred?

Now is the perfect time to organize important documents and financial statements, but where do you start? It’s hard to know what’s okay to shred and what you may need to keep for the future. We’ve made it easy by compiling a list to take out the guesswork. Keep Forever
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Are you ready to buy a home?

Are you ready to buy a home?

The thought of buying a home can be daunting but it doesn’t have to be. Determine if you’re ready to buy a home by asking yourself these questions – you may even realize you’re better equipped than you think. How much house can I afford? Your monthly mortgage payment is
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Details on the Tax Deadline Extension

Details on the Tax Deadline Extension

The Internal Revenue Service knows that many taxpayers have had a stressful spring. So, it has reset the federal tax deadline. You now have until July 15 to file your 1040 form. July 15 is also the deadline to pay any federal taxes owed for 2019.1 Beyond these important details,
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The SECURE Act

The SECURE Act

The Setting Every Community Up for Retirement Enhancement (SECURE) Act is now law. With it, comes some of the biggest changes to retirement savings law in recent years. While the new rules don’t appear to amount to a massive upheaval, the SECURE Act will require a change in strategy for
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Mortgage Application Checklist

Mortgage Application Checklist

Start our easy, online application to begin financing your dream home or refinance your current home. Use the mortgage application checklist below, so you can prepare everything your mortgage loan officer will need to finalize your application. Apply today! Please note: Not all items are due during the initial application.
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5 Meals Using 5 Ingredients or Less

5 Meals Using 5 Ingredients or Less

Easy is my favorite meal, so we’re sharing 5 meals that use 5 ingredients or less! Most of these meals you can prep, throw together and forget about until it’s time to eat. Note: Any necessary spices are not included in the 5 ingredients for each meal.  Tuna (or Chicken)
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20 Indoor Activities for Kids

20 Indoor Activities for Kids

For those rainy days, keep your kids busy with these fun, indoor activities! Build a fort Dye or paint Easter eggs Create an obstacle course Paint a portrait Teach your kids a new card game that your parents taught you Make slime Play ‘hide and seek’ Play a board game
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How to Enroll in Online Banking

How to Enroll in Online Banking

Enrolling in Online Banking is simple! Follow the steps below to begin accessing your account digitally. Simply and safely manage your accounts when it’s most convenient for you using Online and Mobile Banking. It’sMe247 Online Banking Download the Mobile App for Apple Download the Mobile Banking App for Google Play
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wind patterns in sand

Facts about Retirement

Does your vision of retirement align with the facts? Here are some noteworthy financial and lifestyle facts about life after 50 that might surprise you. Up to 85% of a retiree’s Social Security income can be taxed. Some retirees are taken aback when they discover this. In addition to the
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Have you budgeted for retirement?

Have you budgeted for retirement?

Run the numbers There is a rule of thumb for retirees suggesting that retirement income has a target of 70-80% of the household’s end salary, though this can certainly vary. So, years before leaving work, sit down (perhaps with the financial professional you know and trust) and take a look
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5 Costs to Cut from your Budget!

5 Costs to Cut from your Budget!

Small expenses can quickly eat away at a budget and make it harder to save or do the things that matter to you! By cutting these 5 items from your budget, you may be able to save more, invest, or finally plan the vacation you’ve been dreaming of. Coffee The
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Managing Money in Your Relationship

Managing Money in Your Relationship

Managing money can be a tricky task on your own, let alone in a relationship. The aspect of money can be difficult to navigate if you’ve only had to consider your own income and spending. According to a study done by SunTrust Bank, finances are considered the leading cause of
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Eating Healthy on a Budget

Eating Healthy on a Budget

Eating healthy can be a difficult task for many when working with a small grocery budget. We all know we should incorporate healthy foods into our diet but boxed products are not only more convenient – they’re often cheaper than fresh foods, too! Eat fresh AND stay on budget by
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A Parent's Guide to Navigating Teenage Employment

A Parent’s Guide to Navigating Teenage Employment

The teenage years are full of new experiences, which may include a first job. Whether it’s scooping ice cream at a local shop or babysitting for the neighbor down the street, it’s a time when your teen is earning money on their own. While it’s important to be a kid,
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Protecting Your Account and Identity

Protecting Your Account and Identity

Since 2013, there have been over 14 billion data breaches where data has been lost or stolen. It’s normal to think it won’t happen to you, but the reality is that we put our information at risk if we aren’t diligent about seeking tools for protection. Amid the latest Equifax
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Heritage Days Pie Baking Contest

Heritage Days Pie Baking Contest

Love pie? Love baking? Then join Community West Credit Union for the Middleville Heritage Days Pie Baking Contest on Saturday, August 17! That’s right, a pie baking contest with an opportunity for some pie eating, too! Bakers across West Michigan are invited to submit their best homemade pie for a
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Grand Rapids Blue Bridge

Low-Cost Activities: Summer Edition

Below are free and inexpensive things to do in West Michigan this weekend that won’t cost you your entire budget. Enjoy summer fun without feeling the strain on your wallet! Free – Tuesdays and Thursdays at The GRAM Not a weekend activity but every Tuesday and Thursday The GRAM offers
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ocean waves with blue sky

5 Steps to Boost Your Credit Score

Your credit score is determined by many factors and it’s your financial habits that will affect the strength of your score. Your credit score can range between 300 – 850 with a higher number increasing your chances for loan approval and better interest rates. Need to raise your credit score?
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Low-Cost Weekend Activities: Winter Edition

Low-Cost Weekend Activities: Winter Edition

Start your budget off strong this month while still enjoying your weekend! After experiencing the 2019 Polar Vortex this week, we’re all itching to get out of the house. Below are free or inexpensive activities you can do this weekend that won’t cost you your entire budget. Free – Visit Your Local
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Saving for Spring Break

Saving for Spring Break

Spring Break is probably the last thing on your mind. But the vacation you’ve been craving since the first snowfall will be here before you know it, which means now is the best time to put a plan into place! It’s never too early to start saving and with spring
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How to: Create a Budget and Stick to it

How to: Create a Budget and Stick to it

Imagine this: it’s the end of the month and you have $300 in your account and rent is due in three days. That scenario would be fine if your rent was only $200 but it’s 2019 and that’s not very realistic. You work hard but it always seems like you’re
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Ocean Waves And Sunny Sky

Date Night on a Budget

Spending time together is important for any relationship but sometimes the cost of going out can add up. While some date nights are worth celebrating (anniversaries, accomplishments, etc.), not every evening together has to break the bank. We’ve put together four frugal date nights to keep your budget and marriage thriving!
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Preparing for Your Financial Future in Your 20's

Preparing for Your Financial Future in Your 20’s

It’s easy to fall into societal traps. In our twenties, we’re told we either need to be living large, exploring and spending our money on experiences or should be slaves to our savings accounts, never splurging. Take it from me, it all comes down to living within your means. When
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Downtown Grand Rapids landscape

Veterans Day 2018

Community West is honoring those who have served in the Armed Services with a digital display in our branches this month.  If you or your loved one has served or is currently serving, we would appreciate it if you would provide us with a service photo, name, branch of the
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Student Loans: All the Information You Need

Student Loans: All the Information You Need

The federal government is by far the single largest source of financial aid to college students, but there are also state government loans, college-sponsored loans, commercial lending institutions and credit unions which also offer private student loans. Qualifying for funding involves filling out multiple forms, including the Free Application for Federal Student Aid
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A Complete Guide to Financial Aid

A Complete Guide to Financial Aid

Before applying for a private student loan, make sure that you have thoroughly exhausted all sources of free and low-cost financial aid (such as scholarships, grants, and federal direct student loans). While the process may seem daunting, planning carefully and researching all of your options can save you thousands! Completing
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How to buy a house: our best home buying tips!

How to buy a house: our best home buying tips!

If you’re thinking about purchasing a home, there are a few things you should consider. Most people start day-dreaming about their dream house before they’ve begun planning financially. When you’re ready to start planning to buy a home, you really need to consider a few things and we will discuss
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How To Fund Your Education

How To Fund Your Education

Congratulations! You’ve decided to further your education by attending a college or university! Between applying for schools, picking a major, and choosing where to go, you are probably overwhelmed by the amount of decisions you have to make.  Luckily, we have a few different suggestions to help reduce your stress
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Savings Tips

Savings Tips

Let’s be real — saving money sometimes seems like an impossibly intimidating task, especially when living life is so expensive. Well, today we are going to go over just a few different methods that can help you kick start your saving habits and help you cut down on your spending.
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