Secure your savings with some of the best certificate rates!

 

Visit a branch today to open a CERTIFICATE »

 

Make the right choice.

Vantage West Certificates offer you the easiest and most secure way to invest to earn higher returns than in a traditional bank savings account. Rates are tiered and vary depending on the term and balance.

  • Minimum deposit to open is $1,000; no maximum
  • Flexible maturity dates: choose terms from 5 – 60 months
  • Dividends compounded every month and at maturity
  • No monthly service fee with eStatements
  • Convenient Online Banking, PhoneBank, and Mobile Banking
  • Insured up to $250,000 by NCUA

Certificates offer a secure way to invest for a specified term and achieve higher earnings than in a savings account. Rates are tiered and vary depending on term and balance.

  • Select term — from 6 months to 60 months
Rates accurate as of Tuesday, July 25, 2017:
Type Minimum Balance Annual Percentage Yield (APY)
6-Month Certificate $1,000.00 – $9,999.99 0.60%
$10,000.00 – $24,999.99 0.65%
$25,000.00 – $74,999.99 0.70%
$75,000.00 – $249,999.99 0.75%
$250,000.00 – and up 0.80%
12-Month Certificate $ 1,000.00 – $9,999.99 0.70%
$10,000.00 – $24,999.99 0.75%
$25,000.00 – $74,999.99 0.80%
$75,000.00 – $249,999.99 0.85%
$250,000.00 – and up 0.90%
18-Month Certificate $1,000.00 – $9,999.99 0.90%
$10,000.00 – $24,999.99 0.95%
$25,000.00 – $74,999.99 1.00%
$75,000.00 – $249,999.99 1.05%
$250,000.00 – and up 1.10%
24-Month Certificate $1,000.00 – $9,999.99 1.10%
$10,000.00 – $24,999.99 1.15%
$25,000.00 – $74,999.99 1.20%
$75,000.00 – $249,999.99 1.25%
$250,000.00 – and up 1.30%
36-Month Certificate $1,000.00 – $9,999.99 1.35%
$10,000.00 – $24,999.99 1.40%
$25,000.00 – $74,999.99 1.45%
$75,000.00 – $249,999.99 1.50%
$250,000.00 – and up 1.55%
48-Month Certificate $ 1,000.00 – $9,999.99 1.45%
$10,000.00 – $24,999.99 1.50%
$25,000.00 – $74,999.99 1.55%
$75,000.00 – $249,999.99 1.60%
$250,000.00 – and up 1.65%
60-Month Certificate $1,000.00 – $9,999.99 1.55%
$10,000.00 – $ 24,999.99 1.60%
$25,000.00 – $ 74,999.99 1.65%
$75,000.00 – $249,999.99 1.70%
$250,000.00 – and up 1.75%

eCertificates provide a secure way to invest for a specified term. They allow you to achieve higher earnings than you might with a Regular Savings account.

  • Select term — 5 months, 10 months, or 15 months
  • Can be opened in minutes online

 

Open an eCERTIFICATE online now »

 

Rates accurate as of Tuesday, July 25, 2017:
Type Minimum Balance Annual Percentage Yield (APY)
5-Month eCertificate $1,000 and up 0.75%
10-Month eCertificate $1,000 and up 0.85%
15-Month eCertificate $1,000 and up 1.05%

If the rate goes up, you go with it! you can jump up to a higher rate once during the certificate’s term. This type of account is a secure way to invest for a specified term and achieve higher earnings than you would in a savings account. Rates are tiered and vary depending on term and balance.

  • Select term — 18 months, 24 months, or 36 months
Rates accurate as of Tuesday, July 25, 2017:
Type Minimum Balance Annual Percentage Yield (APY)
18-Month Jump-Up Certificate $1,000 – $9,999.99 0.85%
$10,000 – $24,999.99 0.90%
$25,000 – $74,999.99 0.95%
$75,000 – $249,999.99 1.00%
$250,000 – and up 1.05%
24-Month Jump-Up Certificate $1,000 – $9,999.99 1.00%
$10,000 – $24,999.99 1.05%
$25,000 – $74,999.99 1.10%
$75,000 – $249,999.99 1.15%
$250,000 – and up 1.20%
36-Month Jump-Up Certificate $1,000 – $9,999.99 1.20%
$10,000 – $24,999.99 1.25%
$25,000 – $74,999.99 1.30%
$75,000 – $249,999.99 1.35%
$250,000 – and up 1.40%

Savers willing to commit greater balances can earn higher dividends (with tiered rates) than the Premium Share.*

  • Immediate access to your available funds
  • Income, in form of dividends
  • No monthly service fee with eStatements
  • Unlimited deposits & withdrawals**
  • $10,000 minimum balance to open
  • Online Banking, PhoneBank, and Mobile Banking
  • Write up to 6 checks each month
    Open HYMM Account
Rates accurate as of Tuesday, July 25, 2017:
Type Minimum Balance Annual Percentage Yield (APY)
High Yield Money Market $500 - $9,999.99 0.01%
$10,000.00 - $99,999.99 0.05%
$100,000.00 - $124,999.99 0.50%
$125,000.00 and up 0.75%

Annual Percentage Yield(s) accurate as of 07/24/17. Subject to approval. Certain restrictions may apply. Fees may reduce earnings on these account(s). Minimum deposit of $1,000 to open account(s). Early withdrawal penalties may apply. Tiered balances earn tiered rates. Federally insured by NCUA. *Variable rate and subject to change without notice. **When made at Vantage West ATMs.