Skip Your Next Auto Loan Payment When You Open a New Checking Account.

Make the most of your Credit Union West membership when you open a checking account. Because you have a loan with us, you are already a member! Our Skip-A-Pay offer rewards you for adding that new checking account.

Added Bonus

How It Works

Skip your next auto loan payment when you open any new checking account. We’ll even waive the Skip-A-Pay fee!*

Open a Heritage High-Yield Checking Account and earn 6.00% APY* on balances up to $20,000 when these monthly qualifications are met:

  • At least 15 point-of-sale (POS) transactions
  • At least one direct deposit or ACH
  • Be enrolled in eStatements

Frequently Asked Questions

Answers to the most common questions that you may have about this Skip-A-Pay offer, along with other important information.

First-time users can easily sign up for online banking on our website. It’s quick and simple.

Click here to get started

Yes, as long as your name is on the loan and the new checking account. Since you have a loan with us, you are already a member.

No, there is no fee to apply. The standard $30 fee for a skipped payment of $1.00 - $399.99, $45 fee for a skipped payment of $400.00 - $599.99 and the $60 fee for a skipped payment of $600 or more are WAIVED with this offer.

Yes, providing you request one at the time of account opening, you will receive a debit card for your new checking account within 7-10 business days.

No. We do not perform a credit check for this promotional offer. The skip-a-payment offer is not considered a late or delinquent payment. You should have no adverse effect to your credit score.

Yes. Credit Union West and our marketing partner take the security of your personal information seriously. Please review our privacy policy on our website for details.

Yes. Our branch locations, hours of operation, and schedule information are listed on our locations page.

  • Complete the application by clicking the OPEN ACCOUNT button below, or
  • Stop by a branch or
  • Make an appointment and one of our representatives can assist you.

Need Further Assistance?

Give us a call at 480-999-4866 or stop by one of our convenient branch locations.

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 June 23, 2026.