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.

Win a Family Prize Pack at Member Appreciation Days on June 22 at our Idaho Center, Silverstone and Eagle Branches

The Idaho Center, Silverstone and Eagle Branches are hosting Member Appreciation Days on June 22. If you come, you will have the chance to win great prizes packages, like the ones pictured below. Each branch will also be serving sodas and treats for our members. We hope to see you!

 

 

Backyard Fun Prize Pack

Get More Information On Mortgage Loans And Credit Unions By Reading Through The Resources Below

Happy couple looking at laptop computer

If you are looking to find more information regarding what distinguishes a credit union from a bank, check out these helpful resources. 

Be sure to contact Westmark Credit Union if you are seeking a home or auto loan. Call us at (800) 574-5626 or visit one of our ten Idaho-based branches to learn more about becoming a member today.

Watch: Learn More About Westmark Credit Union

Westmark Credit Union is a full-service financial cooperative serving our members for nearly six decades. Our members are our owners, and the development of their financial future is paramount. We provide a unique sense of family that is unparalleled at any bank.

In this video, you will learn more about what distinguishes Westmark Credit Union from its competitors. We offer attractive rates, low fees, and a variety of excellent services. These services include home banking, loans, checking accounts, savings products, and youth programs.

Contact Westmark Credit Union or stop by one of our ten conveniently located branches in Idaho to discuss becoming a member today. Call us at (800) 574-5626 to learn more.

A Step-by-Step Guide to Applying for a Mortgage Loan

Mortgage Loan Application

Applying for a mortgage loan—especially when it’s your first time—can be a bit intimidating, which is why it is important to find a helpful, experienced loan officer, like those at Westmark Credit Union.

If you are planning to apply for a mortgage, keep reading for an overview of the application process.

Get Your Papers in Order: Before meeting with your loan officer, you should begin compiling the paperwork that you will need to apply. This includes W-2s, previous years’ tax receipts, 401K and stock investment paperwork, and other paperwork accounting for the financial situation in your household. It is also a good idea to check your credit at this point. Be sure to rectify any discrepancies in your report, and if your credit score is low, then take a few months to improve your standing before applying.

Meet with a Loan Officer: Once you are ready to begin the process, you will meet with a loan officer, and he or she will look over your information, including your income, assets, and debts. This meeting is non-committal, but will enable you to find out where you stand on securing the loan.

Fill Out an Application: You will be asked to provide a lot of information when you fill out your application, including your Social Security number, income, expenses, assets, and debts. Filling out an application requires a good deal of work on your end in terms of looking up forms, statements, addresses, and more, which is why it is important to have some of this information already prepared.

Submit Your Application: Once you hand in your application, the work shifts over to the loan officer. He or she must give you a good faith estimate and a truth-in-lending form within three days. A good faith estimate describes the loan and the terms offered, while the truth-in-lending form is used to compare competing loan offers.

Processors Review Your Application: Your application will be examined closely by processors who are looking to find misinformation. They will review your income, credit history, and anything else that could be problematic.

An Underwriter Conducts a Final Review: The last hurdle towards acceptance involves an underwriter who evaluates whether the lender is at risk. At this point, you will find out if your application has been accepted or rejected.

At Westmark Credit Union, our loan officers are experienced and knowledgeable in a vast array of home loan products. And, if you are a member of our credit union, you can enjoy our competitive rates and low fees. Call us at (800) 574-5626, and get one step closer to securing your mortgage loan today. You can also stop by one of our ten convenient locations throughout Idaho.

Westmark Credit Union Voted "Best of the Best" by Post Register Readers!

Thank you to our members for voting Westmark Credit Union as the "Best of the Best" credit union, as chosen by Post Register readers. 

Best of the Best Ad

Be sure to look for our ad in the Post Register on June 10th. For more information about Westmark Credit Union, call us at (800) 574-5626 or visit one of our 10 conveniently located branches in Idaho

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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