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 to Build Credit at a Young Age

It's important for young people to establish credit, or a history of responsible borrowing and paying back of money. Doing so makes it much easier to buy a car, home, or apartment when the time comes. In fact, not having credit might even make it difficult to purchase your own cell phone plan.

This video from CNN Money gives advice on how to build your credit so that you can establish a positive credit history. First, get a copy of your credit report to make sure it's clear. Open an account at a bank or credit union. Apply for a charge card, but be sure you only charge as much as you can pay off at the end of each month. The key to establishing credit is to show restraint and that you pay your bills on time.

If you need help establishing credit, look to Westmark Credit Union for help. Call Westmark Credit Union at (208) 523-1071 to learn more about our checking and savings accounts, loans, credit cards, and other services or stop by one of our 10 conveniently located Idaho branches in Rigby, Rexburg, Blackfoot, Pocatello, Idaho Falls, Eagle, Meridian and Nampa.

The Benefits of Using a Local Credit Union

Happy young couple buying new house

When credit unions first began in the 1930s, their purpose was to promote available credit and thrift through a system of nonprofit, local cooperatives. Laws have changed slightly, and credit union services have grown over the years; in fact, they have thrived. Still, your local credit union is much like a cooperative farm or grocery store because it works for you.

Convenient Local Locations

Because credit unions are local entities, they have plenty of nearby branches. Credit unions sometimes form to serve large employers, such as corporations or state governments, but they also serve entire communities. Credit unions open branches near their members and around town to serve retirees and expanding customer bases. What's more, credit unions also offer convenient ATM services and online banking. 

Excellent Customer Service

Credit unions are big enough to offer what you need, but not so big that you feel lost in the shuffle.  These cooperatively-run banks are designed to help their members improve their financial situations by growing their savings, planning for retirement, and paying their debts. And you can be sure that your money is safe.  Credit unions are owned by their members, the same people who deposit money into and borrow from them.  In a way, every member who walks in is a VIP.

Personalized Attention

Credit unions' smaller size and cooperative ownership mean a more personalized approach to helping you manage your finances. When families join credit unions, children can learn about saving and budgeting by setting up youth savings accounts. Credit union representatives meet with members to discuss mortgage and other loan needs or to help plan for the future with life insurance or investment services.

We'll always give you great customer service and personalized attention at Westmark Credit Union. Westmark was formed in 1954 to serve employees of Idaho National Engineering Laboratory in Idaho Falls. The first branch opened about 10 years later, and we eventually merged with other credit unions to serve a diverse membership throughout Idaho. We now have 10 branches to serve you located in Pocatello, Blackfoot, Rigby, Rexburg, Idaho Falls, Eagle, Meridian and Nampa, along with additional ATMs.

Call Westmark Credit Union at (208) 523-1071 to learn more about our checking and savings accounts, loans, mortgages, credit cards, and investment services. Or simply stop by one of our conveniently-located branches.

Check Out Our Latest Commercial!

We at Westmark Credit Union have just posted a new commercial on our YouTube page. Check it out and let us know what you think.

Are You Interested in Becoming a Member of our Credit Union? Click for More Information and Resources

Large group of multi ethnic real people

Establishing a good credit rating is the first step toward making significant financial investments for your future. Visit these helpful links to learn how a credit union offers the best foundation for a healthy credit history:

  • This article from Forbes gives five good reasons why people are making the switch from banks to credit unions.
  • The National Credit Union Administration gives a thorough historical account on how and why credit unions came about.
  • Research conducted by Pew Charitable Trusts shows how credit unions offer better rates and terms in comparison to banks.
  • Get informed on the steps you can take toward building credit with a credit union in this helpful guide.

At Westmark Credit Union in Idaho, we are committed to helping our members reach their financial potential. Contact us at (800) 574-5626.

Watch: Tips for Building Your Credit

Building a good credit rating is essential if you want to buy a car, secure a mortgage loan, or even gain employment. Your credit history allows companies and employers to gauge your reliability and to determine whether you qualify for indispensable financial investments.

Without a credit history, you won’t be able to prove your creditworthiness. In this video, you’ll learn that one of the best ways for you to start building credit is to have someone co-sign on a small loan or a credit card.

Westmark Credit Union has ten conveniently located branches throughout Idaho to better serve our membership. We offer a number of product and service options specific to members looking to establish or improve credit.  Contact us today at (800) 574-5626.

Page 49 of 52 1 2 3 4 5 6 7  . . . 48 49 50 51 52   Next
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