Westmark Credit Union
We are a full-service financial institution, owned by our members & committed to the development of their financial future. We have 10 convenient locations.

Obtaining a Mortgage

A mortgage loan in Pocatello is important for individuals who wish to finance a home for themselves and their families. Many people are aware that they can bolster their credit rating through responsible use of a credit card, but some are unsure about how to actually acquire this loan. Watch this video clip for a quick look at obtaining a mortgage loan.

The rise of the Internet has seen the birth of e-statements through mobile and online banking, and it has also become a viable resource for finding mortgage lenders. If you are looking for such a loan, you will need to contact a banker or a broker. While a banker may lend the money directly, a broker is more of an intermediary. Brokers may introduce you to loan programs that are inaccessible to bankers, but keep in mind that they charge a fee for their services.

If you are in the market for a new home and are in need of a mortgage loan, Westmark Credit Union is here for you. Give us a call at 208-523-2722 today.

The Benefits of Online Banking

Modern American society is all about getting connected, and online banking in Idaho Falls helps individuals do just that with regards to their accounts. With an online bank account, you will never feel alienated from your savings and checking accounts, e-statements, or mortgage loan information. Here is a look at a few of the benefits of online banking.

Accessibility
Banking can sometimes feel like a counterintuitive process; you earned your money, but it is stored in a system that only allows you to access it through certain buildings and automatic teller machines. With an online bank account, you can access your money whenever you need to . Your e-statements will be available to you during holidays and after hours, so you will never be left wondering how much money you have in your account. In many cases you can even pay bills online with your online bank account. Peruse your mortgage loan information or check your recent usage of your debit card at any time of day or night. With the help of smartphones, tablets, and other mobile technology, you can now access your bank account from anywhere you please using mobile banking apps.

Alerts
Not only does an online bank account help you connect with your finances, it also helps your bank communicate with you. Your bank may send you a text message alert or notify you through a mobile banking app that your balance is low or that a successful deposit has just been made. This facet of online banking is very convenient when it comes to keeping track of how much money is in each of your accounts because it helps you to make sure that you spend your money responsibly.

Environmentally Friendly
Many people have jumped on board with the green movement, and online banking fully supports the cause. Instead of using physical checks, receipts, and other paper notes, use online banking and save the environment. A digital inquiry or transaction will use no physical paper and therefore refrain from wasting any resources. However, you will still have the ability to print e-statements for your physical records.

If you are interested in online banking, contact Westmark Credit Union today by visiting us online or calling 208-523-2722.

New Banking Services Offered Among Credit Unions

Many people believe that banks offer more benefits and services than credit unions. Typically, that is because they spend more on traditional advertising that showcases new services, since their responsibility is to maximize profits to shareholders. Credit unions focus on returning money back to their members, and the truth is, they offer the same great services that banks do.

Mobile Banking
Many credit unions plan to add mobile banking as a service to their members. This will add the convenience of being able to bank on the go. You can check your account balance, transfer funds, pay bills, and much more.

Branch Sharing
CU Service Centers network is a group of credit unions that offer services of all participating members, and also more than 2,000 self-service kiosks in 7-Eleven stores. That means you can utilize other credit unions by presenting a government-issued photo ID and the name of your own credit union. This helps to give you more locations to suit your everyday needs.

Rewards Programs
Many credit unions offer great rewards programs that you can access by using more of their products and services. By earning more points, you get benefits like lower rates on loans and free traveler's checks. Some unions even offer the option to turn your points into charitable donations.

Student Loans
The number of credit unions that offer student loans is on the rise. This means you have more low-rate options besides federal loans for you or your kids to go to college.

Since 1954, Westmark Credit Union has been providing top-of-the-line financial services to the people of Idaho. We offer no-fee checking accounts, low-interest car loans, savings products, and many more services to fit whatever your needs may be. Give us a call at (208) 523-1071, or visit any of our convenient branch locations in Idaho Falls to see how we can assist you today.

Checking Your Credit Report for Errors

If you have good credit and are looking to make a big purchase, such as a car, your credit report can be used to your advantage. However, if your credit report has any errors that reflect poorly upon you, it can be a burden that affects your life in negative ways. Checking your credit report for any errors will help ensure you are not misrepresented in important situations. For example, if a potential employer asks for your credit report and sees any erroneous red flags, you might not get the job. Watch this video for more information.

At Westmark Credit Union, you can find all of your credit needs. We offer low rates on credit cards, personal loans, and more. Come visit any of our convenient Idaho Falls locations, or call us at (208) 523-1071.

Protecting Your Bank Account from Theft

Unfortunately, identity theft happens too often for it to be ignored. Victims are left with the hassle of dealing with damage caused by greedy criminals. Using these tips to protect your bank or credit union account will help ensure that you do not become a target of identity theft. 

Identity theft

Protect Your Password
It is not at all uncommon for small, hard-to-find cameras to be installed at locations like store registers or ATMs that capture your information. When you are typing in your password, it is recommended that you cover it with your other hand to keep it out of view of potential identity thieves.

Use Odd Hints
It is common protocol for banks and credit unions to ask you for more information when you forget your password. It is recommended that you pick the most uncommon security questions, otherwise criminals can usually find the answers to some of the more frequently used ones. Researching the year and model of your first car will be harder to find than your mother’s maiden name.

Hiding Your Personal Information
One way to conceal sensitive information is to make sure to shred all papers before tossing them out. Dumpster diving is a common practice, and by shredding your documents, you can help to deter any information being pulled from the trash. In addition, it is recommended that you avoid accessing your accounts using public Wi-Fi, since it is not protected. Similarly, encrypting your home Wi-Fi network will help hide your information.

Westmark Credit Union values the safety and protection of its members. For more than 50 years, we have been providing the Idaho Falls community with secure financial services. We offer great deals on credit cards, car loans, and much more. If you would like to learn more information about the services we provide, feel free to stop by any of our convenient locations, or call us at (208) 523-1071. 

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2520 Channing Way
Idaho Falls, ID 83404

Hours of Operation:

  • Closed Sunday
  • 9:30 AM to 6:00 PM Monday
  • 9:30 AM to 6:00 PM Tuesday
  • 9:30 AM to 6:00 PM Wednesday
  • 9:30 AM to 6:00 PM Thursday
  • 9:30 AM to 6:00 PM Friday
  • 9:00 AM to 1:00 PM Saturday