Open a Checking Account and Skip Your Next Auto Loan Payment with No Fee!*
As a valued member of Credit Union West, we want you to make the most of your membership by opening a checking account with us. Our Skip-A-Pay offer rewards you for adding that new checking account.
How It Works
Click the Open Account button below to visit our website’s checking account page. Add a new Checking Account and Skip Your Next Auto Loan Payment.* You can also call 480-999-4866 to speak with a representative or visit one of our convenient branch locations. It’s that easy!
Added Bonus
As an existing auto loan member, you can qualify for our Heritage High-Yield Checking Account and earn 6.00% APY* on balances up to $20,000. Here’s what you need to qualify for the higher dividends each month:
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- At least 15 point-of-sale (POS) transactions each cycle
- At least one direct deposit or ACH each cycle
- Enrolled in eStatements
Frequently Asked Questions
Answers to the most common questions that you may have about the Skip-A-Pay offer, along with other important information.
How do I sign up for Online Banking?
First-time users can easily sign up for online banking on our website. It’s quick and simple.
Is Credit Union West really going to allow me to skip my next auto loan payment when I open a new checking account?
Credit Union West values the relationship we have with our members and wants to be your primary banking institution. This offer of skipping your next auto loan payment is an example of how much we appreciate our relationship with our long-term members.
Is there a fee to skip my next auto loan payment?
There is no fee to apply. The normal $25 fee for a skipped payment of $1.00 – $399.99 and the $40 fee for a skipped payment of $400.00 or more are WAIVED with this offer.
Will I receive a debit card?
Yes, you will receive a debit card 7-10 business days after the account opening process is completed. You are able to order checks with your new checking account.
Will this affect my credit?
No. a credit bureau soft pull may be conducted in certain cases for review. The skip-a-payment offer is not classified as a late or delinquent payment and should not negatively impact your credit score.
Is my personal information secure?
Credit Union West and our marketing partner take the security of your personal information seriously. Please review our privacy policy on our corporate website for details.
Do you have a branch located near me?
If you would prefer to meet with someone in person, our branch locations, hours of operation, and schedule information are listed on our locations page.
How do I apply for a checking account?
You have 2 options on how to apply.
- Complete the application by clicking on the OPEN ACCOUNT button below.
- Or stop by your nearest branch or make an appointment and one of our representatives can assist you.
Need Further Assistance?
We hope you find our application easy, but we’re happy to help if needed — give us a call at 480-999-4866 or stop by one of our convenient locations and our representatives will be able to assist you.
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Need to sign up for online banking? Click Here.
Para hablar con uno de nuestros representantes en español por favor llámenos al 800-914-7536.
*APY = Annual Percentage Yield. In order to skip your payment, all loans and accounts must be current and in good standing at the time we receive your request, and your loan must be opened for more than 6 months. The deferral of loan payments pursuant to this agreement will automatically extend the loan maturity date by a corresponding period of time. Deferral of payments will reduce the portion of future payments applied to principal resulting in a larger final payment, or negative amortization. Interest and any voluntary insurance premiums, if applicable will continue to accrue as usual during the deferral period. The number of Skip-a-Payments in a rolling 12-month period is limited to a maxium established by the credit union and may be subject to change. Certain restrictions apply and not all loans are eligible for this program. Subject to credit qualifications and performance. Program subject to change at any time.
IMPORTANT NOTE: You must continue to make your auto loan payment until we confirm your skip-a-pay has been processed. If Credit Union West has set up an automatic payment to your loan, the payment(s) for that month will be deferred. If you have set up a recurring payment through online or mobile banking or through a Bill Payment service, you will need to defer the payment(s) for the month. Offer expires March 3, 2026.