Westmark Credit Union
We are a full-service financial institution, owned by our members & committed to the development of their financial future. We have 12 convenient locations.

5 Reasons to Cash in on the Benefits of eStatements [INFOGRAPHIC]

Are you tired of running to the mailbox to check for your credit union statement? Are your file drawers bursting at the seams with years of paper statements, waiting to be shredded? These are just two of the reasons more and more people are going digital with their account management and embracing eStatements. With eStatements, you never have to worry about shredding papers to avoid identity theft or that your financial information could be stolen from your mailbox or delivered to the wrong house. Simply download your statement when it arrives in your inbox or view it online any time. Learn more about the safety, environmental, and time-saving benefits of online banking and eStatements for your checking account in this infographic from Westmark Credit Union. Our credit union in Idaho is committed to providing financial help so you reach your goals, with everything from convenient eStatements to mortgages and loans. Encourage others to embrace eStatements by sharing this information.

Mastering the Debit vs. Credit Question

If you’ve just opened your first account at a credit union, you may have some questions about the differences between debit and credit cards. While each type of card looks essentially the same, there are significant differences regarding how they affect your personal finances. You can hear all about these differences by watching this video or consulting a representative at your credit union.

This expert explains that when you swipe a debit card, the amount of your purchase is deducted from your linked account, which is usually your checking account. When you swipe a credit card, you don’t make the payment right away. Instead, that amount is deducted from your line of credit, rather than your checking account balance. This video also offers some tips on managing your credit wisely.

Westmark Credit Union offers competitive options on credit cards for Idaho residents. Call (208) 523-1071 or visit our website for a list of our branches.

Reasons to Say Goodbye to Paper Statements

Going green by going paperless is much less of a trend these days than a way of life. If you’re still receiving paper statements from your credit union, it’s time to kick the habit and embrace digitization. It’s easy to sign up for eStatements; your credit union will likely let you opt out of the paper version through their website.

Control the Clutter

One of the major reasons why eStatements have become so popular is that they help you exercise some measure of control over your mailbox. If you’re fed up with sorting through stacks of junk mail every evening, then opting for eStatements from your credit union could be a good choice for you. You will be able to access your eStatements online from anywhere at any time, which means you won’t have to worry about losing your information. Since you can readily retrieve old eStatements, it’s easy to keep your personal finances organized.

Safeguard Your Personal Information

Identity theft continues to grow at an alarming pace and anyone could become the next target. Although your credit union can help you sort through the problems associated with identity theft, it may take years to recover from the effects on your credit history. One way to improve the security of your personal information is to make the switch from paper documents to eStatements. Unlike paper documents, which can be retrieved from the trash, eStatements are secured and private.

Be Environmentally Friendly

Another benefit of going paperless is that it’s beneficial for the environment. If you’re concerned about the depletion of natural resources, then you’re likely looking for ways of reducing your “footprint.” Digital statements from your credit union are an easy way to live a greener life.

By going paperless with Westmark Credit Union, you can access eStatements up to two years back and receive monthly notifications when your current eStatement is ready for your review. If you don’t yet have a checking account through our credit union and you live in Idaho, give us a call at (208) 523-1071. Or, click through our website to learn about the many ways that banking with our credit union can help you keep more money in your virtual pocket.

Getting the Most from Online Banking

Online banking makes managing your personal finances easier and more convenient than ever. Check with your credit union to see if eBanking is available and consider signing up to keep close track of your saving and spending habits. The basic features of online banking typically include the ability to check your account balances quickly, review your transaction history, and transfer funds between your savings and checking accounts.

Your credit union may offer even more features than this to help you take control of your finances. Consider setting up automatic transfers from your checking account to your savings account to help you reach your financial goals. You can also add bills to an online bill pay feature, which helps prevent you from missing a payment. And if you have trouble keeping track of your transactions, you can sign up for mobile alerts sent directly to your smartphone via text message.

At Westmark Credit Union, we help you get the most out of your online banking experience with convenient features like Online BillPay, mobile alerts, Popmoney, and Mobile Check Deposit. Call (208) 523-1071 or visit us online to find a credit union branch near you in Idaho.

Making Decisions About Mortgages: First Loans, Refinancing, and More

Since your home is a significant investment, it can sometimes be nerve-wracking to make decisions about your mortgage. You can always turn to your local credit union representative for financial advice. At a credit union, you’ll learn about your home loan options and which choice makes the most sense for your particular situation and financial goals.

First Mortgages

When you first purchase a home, you can choose from a range of mortgage terms and conditions. You may decide to select a conventional mortgage with varying term lengths and down payment requirements. Remember that your long-term financial situation will benefit by paying a larger down payment and selecting a shorter term. However, you should leave enough room in your budget to cope with unexpected expenses such as roof repairs and furnace replacements.

Second Mortgages

Not everyone needs a second mortgage and it’s best to carefully think through the benefits and risks before deciding to apply for one. Some homeowners decide to apply for a second mortgage to pay college tuition for their children or to enable them to start a new business. Like a first mortgage, a second mortgage may be either a fixed-rate loan or an adjustable-rate loan. Some lenders routinely apply a higher interest rate to second mortgages compared to first mortgages, so think carefully about your finances before choosing this option.


Refinancing is often confused as being the same as taking out a second mortgage. In fact, if you refinance your mortgage, you’ll still only have one mortgage. Many people refinance to take advantage of lower interest rates, or to convert the term or type of the home loan. Remember that even if refinancing seems financially prudent, you’ll have to pay closing costs. Before making this type of decision, factor in closing costs to determine whether refinancing is really financially advantageous for you.

Westmark Credit Union offers a selection of Home Loan products to suit every household’s finances. Stop by our online Mortgage Center today to shop for loans or call a representative at (208) 523-1071 to discuss taking out a mortgage for a home in Idaho. Be sure to ask us about our competitive rates, low fees, and in-house underwriting.

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2520 Channing Way
Idaho Falls, ID 83404

Hours of Operation:

  • Closed Sunday
  • 9:30 AM to 5:00 PM Monday
  • 9:30 AM to 5:00 PM Tuesday
  • 9:30 AM to 5:00 PM Wednesday
  • 9:30 AM to 5:00 PM Thursday
  • 9:30 AM to 6:00 PM Friday
  • 9:00 AM to 1:00 PM Saturday