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.

How Do Mortgage Rates Work?

Whether you’re ready to buy your first home or are looking for a new one, one of the factors to consider is your mortgage. Mortgages work much like other types of loans you can borrow from a bank or credit union, and the interest rate reflects what it costs to borrow the money. If you have a high credit score, you can enjoy a lower interest rate.

Learn more about the different types of mortgages by watching this video. The financial expert in this video explains the differences between fixed-rate and adjustable-rate mortgages.

Get help making sense of mortgages with assistance from the representatives of Westmark Credit Union in Idaho Falls, Pocatello, Blackfoot, Rigby, Rexburg, Eagle, Meridian and Nampa. Call our credit union today at (208) 523-1071 or visit our website at www.westmark.org to apply for home loan on-line.

Want To Know More About Your Financial Management? Then Read Through These Helpful Articles

Happy couple looking at laptop computer

From credit cards to checking accounts, it helps to have a trusted credit union for all of your financial needs. To learn more about the benefits of membership in Westmark Credit Union, visit us at one of our 10 conveniently located branches in Idaho Falls, Pocatello, Blackfoot, Rigby, Rexburg, Eagle, Meridian and Nampa or contact us at (208) 523-1071.  Look to the following resources for more tips on managing your finances:

Credit cards can be a great financial tool if managed correctly. Get credit card management tips from ABC.

Bankrate has more on the best credit card varieties for building up your credit score.

If you’re struggling to keep up with credit card debt, learn how to relieve you burden from U.S. News. 

Learn about balancing your checkbook and more from Investopedia.

SFGate offers this useful guide to checkbook management.

What You Need to Know About Your Credit Card

Credit cards pose a key financial test for their users.  When used in a smart way, they can boost your buying power and improve your credit rating.  When abused, they can lead to lower credit scores, high interest payments, and unsustainable debt.  Get the most out of this useful financial tool by reading the following guide:

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Know Your Credit Score First

To determine what kind of card you can sign up for, it’s important to know your credit score.  If you have an exceptional FICO score of above 720, you can qualify for a range of specialized cards.  People with mid-range credit scores may qualify for basic credit cards with no annual fees.  If you have low or no credit, you may be able to obtain a secured credit card by offering an up-front deposit as collateral.  If used correctly, this can be a good way to reestablish a credit rating.

Understand the Details

With many credit card issuers relying on fancy marketing to woo customers, it can be easy to ignore the fine print of your credit card agreement.  Understanding the details of any prospective card ahead of time is key to knowing your annual percentage rate (APR), any associated fees, and the consequences for missing a payment.  Once you understand these details, you can make a smart decision on whether the card is right for you.

Pay Off Your Balance On Time

Paying off your balance on time is by and large the most important part of credit card management.  By paying your entire balance every month, you’ll avoid costly interest fees and build a solid credit foundation.  In addition to paying your balance, you will also want to check your account activity carefully to look for any strange charges or fraudulent activity.

For flexible credit cards that meet any lifestyle or budget, contact Westmark Credit Union.  We offer our members three credit card options, with both Visa and MasterCard available.  Visit us at one of our 10 conveniently located branches in Idaho Falls, Pocatello, Blackfoot, Rigby, Rexburg, Eagle, Meridian and Nampa or call us at (208) 523-1071 to learn more or apply online.

Westmark's Annual Membership Meeting

Good financial report

Westmark’s Annual Membership Meeting will be held this year on Wednesday, April 24, 2013 at the Hampton Inn located at 2500 Channing Way in Idaho Falls at 7:00 p.m. 

A Basic Guide to Managing Your Checking Account

If you’re like most people, you use your checking account more than any other financial tool. It’s the center of your financial activity—where you pay your bills and deposit your paychecks. That’s why it’s crucial to manage this tool the right way, both to keep a proper budget and avoid costly overdrafts.

personal finance

Balance Your Checkbook

Balancing your checkbook is simply the act of keeping track of the dates and amounts of your withdrawals and deposits. In this age of electronic banking, many people avoid this traditional financial method altogether. Keeping detailed records of your account balance can help you avoid costly overdraft fees and other financial mishaps, however. To balance your checkbook, keep all receipts and make special note of any checks that you write. On rare occasions, people wait weeks before depositing a check. You’ll want to account for these payments to avoid the impression that you have more money in your account than you actually do.

Check Your Online Balance

To track your spending, look for errors, and protect yourself from fraud, it’s important to check your account balance online periodically. It is a good idea to compare your checkbook balance with your online balance from time to time to look for any discrepancies. Doing this will help you to avoid bouncing checks and paying costly overdraft fees.

Sign Up for Overdraft Protection

Accounting errors can happen to anyone. That is why it is important to sign up for overdraft protection. This service protects you should you ever make a payment that goes over your account balance. For lower overdraft fees, you can opt to link two separate accounts together, such as a checking account and a savings account. Should you ever have insufficient funds for a payment, your bank would simply draw the money from your savings account.

At Westmark Credit Union, we offer a full range of checking account options to our members. To learn how banking with us can help you better manage your finances, visit us at one of our 10 conveniently located branches in Idaho Falls, Pocatello, Blackfoot, Rigby, Rexburg, Eagle, Meridian and Nampa or call us today at (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