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.

Essential Home Mortgage Tips

home mortgage tips idaho

Most people typically cannot afford to pay for their home up front and in cash, and instead choose to take out a mortgage. Mortgages are like loans in the sense that they allow you to purchase a piece of property without paying the full amount of money at once. Here is a look at a few essential home mortgage tips.

If you want to get the best deal on your mortgage, it is important that you stay organized. Make sure you have an up to date and accurate view of your finances, and get them in order well before it comes time to actually buy the house. It also helps to keep your money still; avoid engaging in unnecessary investments or transferring money from your savings account throughout the time period during which you are looking for a home. Staying on top of your finances can help you make the most of your mortgage.

If you would like additional home mortgage tips, call Westmark Credit Union at (208) 523-2722. We offer car loans and online banking in addition to mortgages in Idaho. Please feel free to visit our website or stop by and meet with us if you live in the area.

Examining Some Common Checking Account Mistakes

examining some common checking account mistakes idahoMany individuals prefer to keep their everyday finances organized with a checking account. This can be quite convenient, but it is important that you know how to use your account properly in order to protect yourself. Read on if you are interested in examining some common checking account mistakes.

Lack of Communication

Your checking account allows you to set up automatic payments for student loans, monthly services, and other bills. While this can be very convenient, it is important that you remember to turn off your automatic payments in certain situations. This is particularly important if you are planning to close your account or if your balance dips lower than usual. It is also important to receive statements from your credit union. Be sure to update your credit union whenever you change your address or name.

Co-Sign Troubles

If you share a checking account with someone else or you have co-signed for another party, it is crucial that you do so with someone you trust. In the event that the other party abuses or mishandles your shared account, it is possible for both parties to suffer the consequences. Never co-sign with anyone you do not fully trust in order to avoid this common checking account mistake.

Handling Errors

Credit unions and banks are not perfect, and sometimes you may encounter a human error. It is important to keep track of your bank statements and let your credit union know if you notice anything that looks questionable. Hold on to any receipts that you may have so that you can present them in the event of a dispute. Do not be afraid to bring up a possible mistake to your credit union representative; even if there was no mistake, your union can explain the situation and make sure you are on the same page.

For more information about these common checking account mistakes, please feel free to contact Westmark Credit Union or visit our website. Our credit union serving Idaho specializes in checking accounts and many other financial services. Please call us at (208) 523-2722 or stop by and see us to learn more about us.

Comparing Banks and Credit Unions

You have two options when it comes to banking services: banks and credit unions. Which one is the right choice for you? By understanding what differentiates these two types of financial institutions, you can find the best fit.

Watch this video to learn the difference between banks and credit unions. Banks are for-profit companies that operate to generate money for shareholders by selling finance products to customers and earning interest on their deposits. Credit unions are non-profit institutions that are member-owned. All income gets invested back into the credit union, so it is able to offer lower personal finance rates and more personalized financial services.

When you’re looking for banking in Idaho, consider Westmark Credit Union. Find out how you can get the benefit of our competitive rates and member services by calling (208) 523-2722.

Why Should You Choose to Bank with a Credit Union?

why you should choose to bank with a credit union idahoWhen it comes to doing your banking, you have options beyond traditional banks. Many consumers have found that credit unions actually have more to offer than corporate banking institutions. Credit unions are member-owned, instead of being owned by shareholders who are looking for profits, which means the profits can be invested in your financial goals. If you’re opening a bank account, here are a few of the reasons why you should consider joining a credit union.

Customer Service

When you walk into a bank, you’re a customer who represents an opportunity to increase profit. At a credit union, you’re a member. That distinction creates a big difference in the kind of customer service you receive. A credit union is able to get to know you and your financial goals and habits and is able to use that information when making decisions about loans, credit cards, and other financial services. They will consider your entire financial picture when making decisions about services you qualify for instead of simply following a formula or treating you like a number on a paper.

Competitive Rates

Banks operate to generate money for shareholders. Credit unions are non-profit. That means that they have to re-invest any income they generate back into member services. In addition to seeing that investment in great customer service, you will also see it in great rates on loan products. Credit unions offer competitive loan rates—often better than banks are able to provide.

Flexible Account Requirements

If you’ve ever tried to open an account at a bank, there is a good chance you encountered a long list of requirements, including minimum balances and limits on transactions. Credit union accounts are usually much more flexible. This frees customers up to use their accounts the way they see fit.

Find out more about credit union services by calling Westmark Credit Union. Our credit union serving Idaho offers competitive financial services with a focus on helping you reach your financial goals. Learn more about membership by calling (208) 523-2722.

Online Banking 101

how to manage online banking idaho

Online banking has made it easier than ever before for Westmark Credit Union members to take control of their finances. With online banking, you can perform a long list of transactions right from your phone or computer, skipping repeated trips to the bank. The service is free for credit union members and is hosted on a secure server for your safety.

With online banking, you can do mobile check deposits, check your balance, track your transactions, and schedule transfers and payments. You can even get alerts about unusual activity on any of your accounts and use Popmoney service for fast payments when you need to split a check or pay for a service. While online banking is convenient, live credit union support is also available when you need it.

To use online banking from Westmark Credit Union, simply download our app on your phone or log into our website. For more personal finance help or additional information about eBanking, call our credit union serving Idaho at (208) 523-2722.

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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