Lock In Steady Growth with Competitive Certificate Deposit (CD) Rates
Secure, high interest CD accounts designed to grow your savings faster.
⭐ Great Rates Alert! 6 Month CD with a minimum $500 Deposit Earns up to 4.01%% APY with our Relationship Rate!1
Stronger Returns. Lower Risk. More Control.
Features & Benefits:
- Top-of-market credit union certificate rates that outperform traditional savings.
- Low risk, guaranteed returns with insured deposits up to $250,000 by the NCUA.
- Flexible terms: choose from 6 to 60 months to match your savings goals.
- Minimum deposit of just $500: no maximum limit.
- Dividends compounded monthly and paid at maturity for steady growth.
- Jump Up You can jump up to a higher rate once during the certificate’s term.
- No monthly service fees when you enroll in eStatements.
- Convenient Online, Mobile access to track your investment anytime.
How It Works
- Step 1: Open your account online or at a local Vantage West branch.
- Step 2: Make a one-time initial deposit and/or set up your direct deposit amount to be automatically transferred into this savings account.
- Step 3: Watch your balance grow! Check out our calculator to estimate returns on your investment.
Anticipate Your Growth
Current CD Relationship Rate1 APY* as high as: 4.01%. See full rates chart below.
APY(s) = Annual percentage yield(s) accurate as of 12/1/2025. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide financial advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from our qualified Financial Coaches regarding all personal finance questions.
| Term. $500 Minimum Balance. | APY* | Relationship Rate APY* |
|---|---|---|
|
6 Month CD |
3.75% |
4.01% |
|
12 Month CD |
3.50% |
3.76%
|
|
24 Month CD
|
3.25% |
3.51% |
|
36 Month CD
|
3.25% |
3.51%
|
|
60 Month CD
|
3.00% |
3.26% |
|
24 Month Jump Up CD |
3.15% |
3.41% |
|
36 Month Jump Up CD |
3.10% |
3.36% |
|
18 Month IRA CD |
3.50% |
N/A |
|
36 Month IRA CD |
3.25% |
N/A |
“Easily the best bank in town! There are plenty of banks around, but none like Vantage West. Thank you for always providing outstanding service.”
–Roberto A.
Questions About Our Certificate Accounts?
What are the benefits of a Certificate (CD)?
What are the available term options?
What’s the minimum deposit to open a Certificate?
You can open a certificate with a minimum deposit of $500. There’s no maximum limit.
How are dividends paid?
Are my funds insured?
Did You Know?
Explore the benefits of a Certificate of Deposit (CD)
You can manage your savings from anywhere.
Your money stays close to home.
We invest in Arizona communities, not Wall Street.
We offer better rates than most banks.
Being a member comes with perks.
From insurance discounts to loan rate savings: your membership helps you do more with your money.
- Federally insured by NCUA
- Local, member-owned and operated
- Top-rated by members for caring service
- Financial guidance you can understand
We’ve been serving Arizona since 1955—honestly, respectfully, and with your best interests in mind.
Join thousands of members who trust us to keep their savings safe and their goals growing.
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Disclosures
1Rates shown are based on Relationship Rates which have the following eligibility requirements: 1. Have a qualifying open Vantage West consumer checking account, 2. Have a total monthly direct deposit of at least $750/month to accounts under the same Membership account 3. Keep an aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Accounts that do not meet the eligibility requirements receive a lower APY. Rates for new/renewing/converting CDs will be based upon the account’s Relationship eligibility as of the prior night. Business Accounts and IRA CDs are not eligible for Relationship Rates. Relationship Rates, conditions, and benefits are subject to change without notice. Federally insured by NCUA.
APY(s) = Annual percentage yield(s) accurate as of 12/1/2025. Certificates earn dividends. Minimum opening deposit of $500. Early withdrawal penalties may apply. Early withdrawals, fees, and other conditions could reduce the earnings on these account(s). If the account has not yet earned enough dividends, or if the dividends have already been paid, the early withdrawal penalty will be deducted from the principal. Credit union membership required. Any offers are subject to change without notice. Subject to approval. Certain restrictions may apply.