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    Understanding Your Credit Score

    Last updated 8 hours 6 minutes ago

    Your credit score is an invaluable tool that can be used to your advantage or disadvantage, depending on whether you have good credit or not. When your credit score is good, it can help you get good rates on loans for important purchases, such as a car or house. This is because lenders want to know your credit risk, and if they can depend on you to pay back what they give you.

    Oftentimes, your credit score will be referred to as a FICO score, because most are produced by software made by Fair Isaac & Company. They range from 300 up to 850, calculated based on a mathematical equation that takes into account multiple pieces of information from your credit report. The higher your score, the better it is. Upon obtaining it, the credit agency will provide you with multiple reasons for the score. Having a low credit score does not mean you won’t be able to get access to credit; lenders take other aspects into consideration beyond your credit score.

    Are you interested in applying for a credit card or loan? Give Westmark Credit Union a call at (208) 523-1071/(800)-574-5626, or visit any of our branches located in Idaho Falls, Blackfoot, Pocatello, Rigby, Rexburg, Nampa, Eagle and Meridian. You can also conveniently open an account or apply for a loan on-line at  We have been assisting the people of Idaho with all of their financial needs for more than 60 years. 

    Checking Your Credit Report for Errors

    Last updated 7 days ago

    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  locations in Idaho Falls, Blackfoot, Pocatello, Rigby, Rexburg, Nampa, Eagle and Meridian or call us at (208) 523-1071/(800)-574-5626.  You can also conveniently open an account or apply for a loan on-line at  

    Protecting Your Bank Account from Theft

    Last updated 14 days ago

    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. 

    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 60 years, we have been providing our members 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.  We have 10 conveniently located branches in Idaho Falls, Blackfoot, Pocatello, Rigby, Rexburg, Nampa, Eagle and Meridian or call us at (208) 523-1071/(800)-574-5626. 

    Debunking Common Credit Union Myths

    Last updated 1 month ago

    When deciding what to do with your money, it is important to know everything about your available options before making a choice. Banks and credit unions are two of the most widely used financial institutions when it comes to personal finances. However, there continue to be numerous misconceptions about credit unions.

    Credit Unions Do Not Offer the Same Convenience

    Many people think that local credit unions do not offer the same advantages that banks do. For example, a lot of people believe that they do not provide advanced technological services like mobile banking. However, reports from CFI Group, a research firm in Michigan, show that credit unions actually scored higher than banks on mobile banking. Another common misconception is that they offer fewer locations. Even though credit unions have less physical locations than most banks, they have shared banking networks through sister credit unions and popular outlets like 7-Eleven.

    Banks Offer More Rewards and Better Service

    A lot of people are only focused on what they earn through rewards programs, so they do not pay attention to the fees they incur. Not only do credit unions offer similar rewards programs, but they also offer great features such as free checking and lower interest rates. In addition, many individuals mistake more advertising for better service. Since credit unions focus on returning surplus money back to its members, they spend less on marketing than banks. However, they still offer great service.

    Joining One is Hard

    Many individuals choose not to join a credit union, because they think they are ineligible. Different ones serve different groups of people. If you try searching for one related to your profession, you may be surprised to see how many options there are. You can even use the status of a family member within a community to gain access to one. In addition, many credit unions offer complimentary switch kits that make transferring automatic payments and other information hassle-free. 

    At Westmark Credit Union, we have been assisting the people of Idaho Falls and the surrounding areas with all of their financial needs since 1954. Along with no-fee checking accounts, we offer a multitude of financial services like low-rate mortgages and credit cards. Call us at (208) 523-1071, or come visit us at one of our many branch locations to see how you can become a member. 

    Reasons to Use Mobile Banking Services

    Last updated 1 month ago

    With mobile banking services from Westmark Credit Union, managing your accounts is as easy as reaching for your smartphone. Mobile banking lets you manage your finances in your free time instead of having to make stops at the credit union. Our mobile banking services allow you to complete a number of different account tasks right from your device.

    With mobile banking, you can transfer money, check your account balances, and see what balances have cleared. You can also use Popmoney to pay friends on the spot and set up automatic bill pay transactions. If you’re worried about security, don’t be! We offer the same security as we do with online banking, and experts have never seen a breach of mobile banking data. Even if you lose your device, your password will protect your account until you can disable your phone.

    Stop by a Westmark Credit Union location to sign up for mobile banking, or join online. You can get answers to all of your questions about mobile banking and all of the other services we provide at our Idaho Falls credit union by calling (208) 523-1071.

Apply Online for a Credit Card or Credit Card Balance Transfer!

Start Saving with a 2.99% APR That's right, using your Westmark Credit Union balance transfer checks you can transfer your higher rate loans and cards from your other financial institutions to your Westmark Credit Card and save with a 2.99% APR until December 31st, 2013.

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