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.

What to Consider When Purchasing an RV

If you’re ready to enjoy cross-country adventures in an RV, there are a few things to consider before making your purchase, from the floor plan to how you’ll finance the vehicle. Be sure you get the right RV at the right price for your family by considering these factors while you shop.

Budget

Set your budget for your RV before you start shopping, so don’t fall in love with one that is outside of your price range. The costs of RVs vary dramatically depending on the size of the vehicle, whether you buy new or used, and the features that are included. Your credit union can help you understand your finance options and look at monthly payments for different price points to allow you to make a decision that works for your family. Don’t forget to include upkeep costs in your budget, and make sure you are reserving enough money to actually get out on the road and enjoy your RV.

How You’ll Use It

Considering how you’ll use your RV can help you narrow down your selections. If you only plan to use your RV for a few weekend trips here and there, then you may be able to get by with a smaller, more basic model than if you plan to live out of your RV for months each year while you’re traveling the country. Some RVs offer only modest facilities and little space, while others have floor plans that rival apartments. Think of how you’ll use your RV before buying one to be sure you get the right model.

New or Used

As with purchasing any kind of vehicle, you have the option of buying a new or used RV. New RVs come equipped with all of the latest features and conveniences, but used RVs can be more affordable. Don’t forget to talk to your credit union about how purchasing a new or used RV could impact how you finance the vehicle.

When you’re in the market for a vehicle loan in Idaho, talk to Westmark Credit Union to find out about our competitive rates. We offer financing for RVs and other recreational vehicles and can help you choose the right loan for your budget. To find out more, please call (208) 523-1071.

Conquer Your Credit Card Debt

Credit cards can be helpful tools in managing your finances, but if your debt piles up, they can also jeopardize your credit score and your ability to get car loans, mortgages, and more in the future. If you feel like you are drowning in credit card debt, this video can help.

If you have a card with a high interest rate, talk to your credit union about transferring your balance to a card with a 0% interest introductory rate, which could save you a significant amount of money. If your debt is spread across multiple cards, focus on paying off your highest interest debt first.

If you feel overwhelmed by credit card debt, talk to a representative at Westmark Credit Union for help in creating a personal finance strategy to get your balances under control. Contact our credit union in Idaho today by calling (208) 523-1071.

How to Help Your Teen Manage Summer Earnings Wisely

When teens get summer jobs, they often envision spending their paychecks on fun times with friends and a new summer wardrobe, which leaves parents wondering how involved they should become in helping their teens manage that income more wisely. If you are a credit union member, consider helping your teen open up a youth bank account that lets him or her get used to money management with some help from you. This advice will also help you take guide your teens through managing their summer earnings.

Start the Conversation

Start out by talking to your teen about his or her ideas about money management. You may find out that your teen already has some thoughts about the money that are in line with your own, such as saving a portion of every check towards a specific goal. Don’t lecture your teen if he or she is thinking about blowing through the money. Instead, offer some suggestions for how your teen can get the things he or she wants in both the short and long-term by creating a budget and using both a checking and savings account.

Create a Plan

For teens, getting into the habit of saving a portion of their income now can help them later in life. Talk to your teen about savings goals, from saving up for a car to putting money aside for college. Saving a percentage of each check can help teens become accustomed to saving before they begin spending any of their money.

Set an Example

Your teen gets most of their understanding of money management from you. Set an example by managing your own finances carefully. Share some of the decisions you make about your money with your teen so he or she can learn from the strategies you use.

At Westmark Credit Union, we offer a variety of accounts for teens, including checking and savings accounts and credit cards. Make an appointment today to come in with your teen and talk about financial goals with one of our representatives. Dial (208) 523-1071 to reach our credit union in Idaho.

What You Can Do with Personal Branch

Where is your closest Westmark Credit Union location? As it turns out, your most convenient credit union branch is your computer. With Personal Branch, you can access all of your personal finance information any time of the day or night, right from your computer.

Personal Branch offers access to all of your accounts, including loans and term certificates. You can transfer funds between accounts with a few clicks and view checks that have cleared your account. You can also obtain copies of eStatements dating back two years and see pending items on your account before they clear. You’re in control of your Personal Branch and can tweak the appearance of your page so that the accounts you use the most are easy to see.

To start using Personal Branch, enroll on our website or visit a Westmark Credit Union location to get set up. You can get more information about Personal Branch and all of our personal finance services in Idaho by calling (208) 523-1071.

Negotiate the Best Price for Your Car

When you get your car loan from Westmark Credit Union, you know you will get the best possible interest rate and terms for your deal, but how can you make sure your dealer gives you the best possible price? Here are some of the strategies you can use to negotiate the best deal for your new car.

Shop Multiple Dealerships

Car prices are never as simple as looking at the sticker. Before you even walk into a dealership, request multiple online quotes to see what each dealership is willing to offer. You can also call the dealerships and ask for pricing information, but stay away from discussions about financing, trade-ins, and other factors that could eventually impact the price, so you can see the starting point each dealership is starting from. Check to see that all of your quotes include taxes and fees so you are getting a true idea of the final price.

Decide How Much You Want to Pay

Avoid going into a dealership without a clear idea of your budget and how much you want to pay for your car. This figure should realistically reflect what you can afford to pay, while leaving you extra money for gas and maintenance costs. If the dealership can’t meet your budget, then be prepared to walk away. If you have your heart set on a certain model, walking away from the dealership doesn’t mean you have to give up on that car. You may just need to go to a different dealership.

Shop at the Right Times

When you go to a dealership matters. Nights and weekends are busy, so you’ll have longer waits, and the glut of customers means that dealers don’t feel pressured to negotiate. If you shop on a weekday during the daytime, fewer customers means that your sales manager will be more willing to deal. Shopping on the last day of the month is also a good time if you want a deal.

When you’re ready to finance your car purchase, choose a car loan from Westmark Credit Union. With our financial help in Idaho, you can make big financial decisions, like car loans and mortgages, with confidence. For more information, please call (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