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About Vantage West


Vantage West helps our members and communities thrive by offering personal and business financial services. We strive to provide our members with the personalized service, knowledge and honesty they deserve in a financial partner. And while we're proud to be among the largest credit unions in Arizona, our community impact continues to be our proudest achievement: local decision-making, local investment. Find out how to become a member today.
Not a member? Open Your Account today!

Membership is open to anyone who lives, works, worships, attends school or volunteers in (as well as all businesses located in) these geographic areas…

Pima, Pinal, Cochise, or Maricopa Counties
Gila River Indian Community Reservation
Arizona’s “Copper Basin” Area

Learn More Switch To Vantage West

Need a break from your loan payment?

Choose to Skip-A-Payment — one per year, per loan.

You can skip a payment in Mobile/Online Banking.

Simply sign onto your account and look for the Skip-A-Payment feature. Note: You will only see this option if you have eligible loans.

Skip-A-Payment can only be used on installment loans secured by vehicles (autos, RV’s, motorcycles, etc.), signature loans, and variable rate share secured loans. Loan payment deferment will be your next due date. Please refer to your statement to confirm the month being skipped.

There is a $30 processing fee to skip each payment on each loan.


Terms and Conditions

  1. All deferrals are subject to approval criteria established by Vantage West Credit Union and restrictions may apply.
  2. Installment loans secured by vehicles (autos, RVs, motorcycles, etc.), signature loans, and variable rate share secured loans are eligible for the Skip-A-Payment program. Business loans, loans secured by real estate, fixed rate share secured loans (i.e. those tied to certificates of deposit) and revolving loan types (i.e. credit cards and lines of credit) are not eligible for the program.
  3. To be eligible, you must be current on all payments and not have caused Vantage West a loss.
  4. Loans with a modifications in the last 12 months, workout loans, and loans that are currently delinquent or have been delinquent 61 days or more in the last 12 months are not eligible for the Skip-A-Payment program.
  5. Loans must be open a minimum of 4 months to be eligible.
  6. Account must be in good standing and have par value.
  7. Minimum monthly loan payment must be greater than $50.00 to be eligible.
  8. You can only skip one payment per calendar year, per loan, with this program. Skips must be at least 90 days apart.
  9. Although no late charges or penalties will be imposed for failure to make the payment being deferred, finance charges will continue to accrue at the rate provided in your original loan disclosures and agreements.
  10. Deferring a payment will result in higher total finance charges than if you made payments as originally scheduled.
  11. Deferring a payment will extend the term of your loan and extra payment(s) will be required after your loan would be otherwise paid off.
  12. If the deferred payment is scheduled for an automatic transfer or electronic payment through Vantage West, we will advance that scheduled payment and set it to resume the following month. If your payment is originated from another financial institution, it is your responsibility to update that scheduled payment. Vantage West will not be responsible if the payment is not cancelled in a timely manner
  13. You agree and are required to resume your regular payment schedule after the deferred month.
  14. Credit life, disability, debt protection, GAP, or other insurance contracts will not extend beyond the original maturity date identified in those contracts as a result of your participation in the Skip-A-Payment program.
  15. Requests to skip a payment must be submitted ten (10) business days before the payment’s due date.
  16. There is a $30.00 fee for a Skip-A-Payment. It will be automatically deducted from the share account you designate. If funds are not available, your request will not be honored.
  17. Vantage West reserves the right to modify the program, or any aspect or feature of the program, at any time without prior notice.
Disclosures

Updated: November 17, 2016

The following loans are not eligible for a payment skip: 1) Credit Cards, Business Loans, Business Credit Cards, Real Estate Loans (First Mortgages, Home Equity Loans and Home Equity Lines of Credit, Land Loans, Investment Properties, and Vacation Homes), Certificate Secured Loans or one time Pay Share Secured Loans; 2) Loans that are currently delinquent or have been delinquent 61 days or more in the last 12 months; 3) Loans with modifications within the last 12 months; 4)Workout Loans. By participating in our Skip-A-Payment program, you agree and understand that: (i)although no late charges or other penalties will be imposed for failure to make the payment being deferred, interest will still accrue on your outstanding balance of the loan at the agreed rate (which will result in higher interest charges than if you made your payment as originally scheduled; (ii) the deferred payment will extend the term of your loan beyond the original maturity date (which will result in you having to make payments after your loan would otherwise have been paid off); and (iii) you will be required to resume your regularly scheduled payments the following month. Please note that any life, disability, debt protection, GAP coverage, or other insurance contracts will not extend beyond the original maturity date identified in those contracts as a result of participation in the Skip-A-Pay program. Payment skips can only be used one time per year and must be at least 90 days apart. Certain other restrictions may apply.  Federally insured by NCUA. NMLS#485751. Subject to approval.

Online Banking
If you are logging in for the first time (or if it has been 6 months since your last log in), use temporary credentials in the box to the right. Once in, you’ll be prompted to set up new credentials. 

  1. Temporary USERNAME:
    Vantage West Member #
  2. Temporary PASSWORD:
    Last 4 digits of primary account holder’s social security #
    (For business accounts, use the last 4 digits of the business’s EIN.)
  3. Once in, follow prompts to create a new Username & Password. For future logins, use your new credentials.