bright futures ahead

Your dream life awaits. We can help you get there.

a mature couple lean their smiling faces together while holding sparklers on the beach at twilight
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a teenage girl paints with watercolors at the kitchen table

primary
savings

a father wearing a tropical-print shirt holds one of his sons as they sit at the edge of pool and the other son splashes the water with his feet

Building the life you love doesn’t have to be an intimidating process. You also don’t need to have your entire life figured out before you reach your 30s, and you certainly don’t have to do it alone. Take the first step towards financial freedom with a variety of savings accounts, comprehensive financial education, and real people who care about your future. As part owner of your local Arizona credit union, you hold the key to success and only you can write your story. Don’t wait until you’re buried somewhere deep beneath everyday life before you reach out and ask for help. After all, we are the best partners in crime you could ask for and we are here to make sure you thrive financially.

primary savings account

A savings account with SunWest Credit Union is the gateway you need to tap into your potential as a part owner. All SunWest members begin with this basic savings account that earns dividends, which is similar to the interest you would earn with a bank. Of course, the difference between us and the big guys is that we remember why you’re saving and we will create a plan to help you achieve your financial goals. Once you have established this basic savings account with us, you have the opportunity to open as many savings accounts as your heart desires. The best part? All of your accounts are conveniently linked to your main savings account and don’t require a minimum balance to keep them open. You heard right. Zilch. Nada. Zero minimum. Saving for the life you want has never been easier with a partner like us watching out for you.

primary savings account features:
Okay okay, I know I need to save, But where do I start? It all seems so daunting!

Ahh savings...the piece of the puzzle none of us want to think about because we just can’t “afford to save.” This is why saving gets a bad rap. A lot of us consider putting aside money each paycheck but then we pause because we think there is no way we can part with that money--we need every penny we can get these days! You CAN save for a better tomorrow. It just takes a little bit of discipline and a whole lot of grit. Of course, that means you will have to choose between a tangible item that you can hold in your hands right now versus the vision you have created for yourself further down the road. This is all a great pep talk, but how do you actually start saving? By simply being here and learning about your options, you’ve taken the first step. What may be a quick redirection for some, might feel like a giant leap for others. Luckily, that’s why you’ve chosen SunWest as your partner in fighting the good fight. Stop by a branch today, or check out our educational resources now to open a savings account and learn how to tame the spending beast that lives within each of us.

how much should i be saving?

Financial stability is defined differently in each phase of our lives. The best way to set yourself up for success is to look at where you are, where you want to go, and how much you can afford to put aside to get there. Set realistic goals that you can achieve–don’t try to bite off more than you can chew, but don’t sell yourself short either.

are you really able to dedicate 50% of your paycheck to a rainy day fund?

Honestly, probably not.

Is it realistic to put 5% of that aside?

Honestly, it probably is.

Have that truthful conversation with yourself about what you can afford, and remember that it’s as important to tell yourself when it’s too much as it is to say when it’s not enough. Set yourself up to achieve your savings goals, and then push yourself harder when it makes sense for your financial journey.

create your own savings strategy

Check out our Ask SunWest Savings video series for more tips and techniques to get your savings where you want it to be.

a young mother and daughter color coloring sheets on a comfy couch by a Christmas tree

holiday savings

a young mother and daughter color coloring sheets on a comfy couch by a Christmas tree

It’s a little harder to get into holiday mode when you live in the desert. The change in the weather is more gradual, and the only snow we’re likely to see is when we’re sitting on the couch, curled up in a snowman blanket while sipping hot cocoa – with tiny marshmallows – and watching Hallmark movies that we’ll pretend we didn’t watch if anyone asks. Since the Southern Arizona weather doesn’t exactly give us those winter feels, we get good at coming up with other ways to enjoy the holidays. With Holiday Savings, you can contribute funds throughout the year, so when December 1st rolls around, you can deck all the halls with bright lights and check the names off your list.

Being broke around gift exchange season is no fun, and it’s not necessary. Let SunWest help give you the winter wonderland of your dreams with a little preparation:

  • Open with a minimum balance $0.01

    to keep those sugar plum fairies dancing.

  • access through online and mobile banking

    so you can view and transfer balances at your convenience.

  • make withdrawals/transfers up to 6 times per month

    If you reach the max, just visit one of our branches to complete your transactions. This limit resets the first of every month.

secondary savings

Have you ever wondered how your coworker who makes the same as you is able to run off to the beach every few months or so? It’s possible they received an inheritance or won the lottery. Maybe one of their trips was to Vegas, and they risked everything on a winning hand of Texas Hold’em. However, the more probable answer is that they saved up for it.

prepare for specific goals

Our members use these savings accounts for a lot of reasons, such as budgeting their monthly bills, putting aside funds when they expect they’ll be paying Uncle Sam in April, or maybe a beautiful Autumn wedding in an aspen forest up in Flagstaff. You know,  just as the leaves start to turn yellow, and the weather is just crisp enough that you can wear that dress you’d pinned over and over on your wedding Pinterest board even before they proposed because you were just so sure that it was meant to be from the start, and…oh. We’ve gotten off track. Eh, hem. Secondary Savings is a simple solution to keeping money you designate for specific purposes separate from your spending money.

secondary savings account features:
how do i open a savings account?

We can't wait to help you start your savings journey at SunWest! Visit us at your nearest branch and we'll get you all set up.

youth accounts

Saving money is not for the faint of heart. You know it’s tough. We know it’s tough. That’s why we’ve created youth accounts specific to meet your child, teen, or young adult where they are along their financial journey. Instill healthy habits early on and watch your progeny blossom into a financially savvy adult. Click the age groups below to learn more about our youth accounts:

* Keeping a savings share account open with a minimum balance of $5.00 at all times is a requirement to being a member at SunWest. Withdrawals and certain transfers from share accounts are limited by a Federal Regulation to 6 withdrawals per month.