Credit Union West
1 cardholder agreement · 483 KB
- Starting score100
- Forced arbitration (opt-out available)-12
- Class-action waiver-12
- Fair Terms score76 · grade B
See the exact wording behind each below.
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You can opt out of this issuer's forced arbitration
deadline ≈ 30 daysCredit Union West's agreement lets you reject arbitration and keep your right to sue — usually within 30 days of opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…n Waiver, is found to be unenforceable, the remaining provisions shall remain fully enforceable. 6. Right to Opt-Out. You have the right to opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Membership Account Agreement and Disclosures or your relationship with the Credit Union. To opt out, you must notify the Credit Union in writing of your intent to do so within 30 days after the Arbitration Agreement was provided to you. Your opt-out will not be effective and you will be deemed to have consented and agreed to the Arbitration Agreement unless your notice of intent to opt out is received by the Credit Union in writing at Credit Union West, P.O. Box 7600, Glendale, AZ 85312 ATTN: Compliance Department; within such 30-day time period. Your notice of intent to opt out can be a letter that is signed by you or a secure email sent by you that s…”
Read the exact mailing address in the clause above, then use our opt-out letter template and full guide →
Contract X-Ray — what's buried in the fine print
2 red flags · 1 filed docDetected in the CFPB-filed cardholder agreements from Credit Union West. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…AND THE "CREDIT UNION" MEANS CREDIT UNION WEST OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. BINDING ARBITRATION: Your account will be subject to a mandatory binding arbitration provision that limits your rights to bring legal action in court, including class ac…”
You can't band together with other cardholders in a class action.
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“…nquent. 9013 LASER CRIF FI16871 Rev 10-2025 page 6 of 7 COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved. ARBITRATION AGREEMENT WITH WAIVER OF CLASS ACTION You [The term you means you, the member of Credit Union West. The terms us , we or credit union means Credit Union West] and the credit union…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…lass Action Waiver, is found to be unenforceable, the remaining provisions shall remain fully enforceable. 6. Right to Opt-Out. You have the right to opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Membership Account Agreement and Disclosures or your relationship with the…”
Checked & clear: Jury-trial waiver · Deferred interest · Change-anytime clause · Penalty APR
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.