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.

Banking by Text: What You Need to Know

One of the biggest benefits of smartphone technology is that you can maintain more control than ever over your finances. Alongside our mobile banking and eStatements, Westmark Credit Union is now pleased to make banking by text a reality for our members. This straightforward process makes it simple to manage your checking and saving account with text messages.

To bank by text, start by sending a text to 25215 to request your account information. Type a message stating the kind of information you want, such as BAL for balance. Send your message and get a reply from us with the information you want. In addition to seeing your balances, you can also view all of your recent transactions.

To sign up for Text Banking, enroll in Westmark Credit Union’s Home Banking Personal Branch and then register your phone in your mobile banking services screen. You can also visit a branch of our credit union in Idaho for more information or call (208) 523-1071 for help.

The Future of Financial Management Is Now at Westmark [INFOGRAPHIC]

The days where you had to visit a credit union branch to stay in control of personal finance decisions are gone. Now, your credit union is always in your pocket in the form of your smartphone. Westmark Credit Union offers extensive mobile banking and text banking options, as well as Apple Pay, Popmoney, and more. Use mobile banking to check your account balance, transfer funds, and pay bills with just a few clicks. You can even text us to find out your account balance and to see your recent transactions. Our mobile banking services are protected by robust security, so your money is always safe. Check out this Infographic from Westmark Credit Union to find out more about mobile banking with our credit union in Idaho. If you need help getting set up with mobile banking, visit one of our credit union locations, and please spread the word about the convenience of smartphone banking by sharing this information.

How to Recover from Holiday Overspending

The holidays tend to revolve around over-indulging, both at the table and at the register. If holiday spending has given your finances a black eye, it is easier than you think to rebuild your checking and savings accounts to where you want them to be. Reclaim your control over your finances after the festivities with this advice.

Look at Your Credit Card Balances

If you used credit cards to cover your holiday spending, start your recovery there. Carrying credit card debt means your spending gets even more expensive, as interest climbs on your debt. If you spent on more than one card, prioritize paying off the one with the highest interest rate first, even if that means only paying the minimum on your other cards. Follow that strategy, balance by balance, to get your debt down to zero.

Cut Down on Small Expenses

Saving money doesn’t have to be painful, and it doesn’t have to mean spending all of your time at home. You may be surprised by how much you can save by cutting out the small expenses that add up to big costs. For instance, if you make your coffee at home for a month or only eat lunch out once per week, the few dollars you save each day will make a big impact on your checking account in a short amount of time. That money can be diverted to paying off debt or simply rebuilding your savings that you may have spent on the holidays.

Make a Plan for Next Year

The holidays are always going to require extra money, but you can save yourself stress—and money—by planning ahead. Decide now what your holiday budget will be and put a little money aside each month so that it is waiting for you when next year’s season comes. By saving now, you won’t have to rely on credit cards or adjust your lifestyle to foot the bill next time.

Whatever your savings goals, Westmark Credit Union is here to help, with a range of financial services designed to help you take control of your money. Contact us today at (208) 523-1071 for more information or learn how to become a member of our credit union in Idaho.

What Are Money Market Accounts?

Could a money market account be the right way for you to increase your savings? Before you visit your credit union to find out how money market accounts could play a role in your financial planning, watch this video to learn more.

A money market account is similar to a saving account. It typically offers higher interest rates than traditional savings accounts for higher balances. Depending on the amount of money you’re saving, a money market account could boost your return.

To see if a money market account is right for you, make an appointment at Westmark Credit Union. Our experts are always available to provide help when you need it and assist you in choosing the right financial services for your needs. You can learn more about our credit union in Idaho by calling (208) 523-1071.

Advice for Saving Up a Home Down Payment

Buying a home is a significant investment. Even if the mortgage payment seems affordable, the first hurdle is saving up the down payment. Depending on the kind of mortgage you get, you may need to save up to 20% of the home’s purchase price as a down payment, which you will pay as a lump sum at the closing. Although saving this much money can seem daunting, it is achievable if you make a plan. Take a step towards purchasing a home with these tips for saving up a down payment.

Make It Automatic

You may decide to transfer a certain amount of every paycheck to your savings account, but unless you make it automatic, you will find that it is easier said than done. Consider having a certain amount of your paycheck deposited directly into your savings account, or set up weekly, biweekly, or monthly transfers from your checking account to your savings so that you don’t even have to think about it. When you take the responsibility to manually save money out of your hands, you won’t be tempted to skip transfers or get sidelined.

Save Your Windfalls

Instead of using windfalls to spend more, put them directly into your savings account. For instance, if you get a raise, put the difference between your current pay and your new salary into your savings for a set period of time. All bonuses, inheritances, tax refunds, and gifts can also go into your savings so you can build money faster without changing your lifestyle.

Look for Extra Income

Chances are that you have a marketable skill that can help you make extra money without interfering with your work schedule, such as tutoring or teaching piano. Put all of your extra income directly into your savings. You can also consider seasonal work to temporarily boost your income.

At Westmark Credit Union, we’re committed to helping you achieve success with your personal finances at all stages of life, from your first checking account to your first mortgage. Visit your branch to discuss purchasing a new home or learn more about our competitive mortgages by calling (208) 523-1071.

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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