Secure your savings with some of the best certificate rates!

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Visit a branch today to open a CERTIFICATE »

 

Or, open an eCERTIFICATE online to get these amazing rates.

eCertificate rates

Open an eCERTIFICATE online now »

 

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

Certificates 101 »

If you’re looking for a secure way to invest for a specified term, a certificate might be for you! At Vantage West, you’ll get an even better dividend rate on your money than you might get in a savings account.Certificates (or share certificates) are frequently referred to as CDs by the banks, but you might also hear them called time deposits. Most banks offer certificates, but at Vantage West you can rest assured your dividend rate is competitive with (if not above) the market average.

Top 5 Reasons to Open a Certificate »

  1. Laddered certificates might be a solution for short-term liquidity needs
  2. The return on a certificate’s investment is a safer investment than the stock market
  3. Longer guaranteed periods generally offer higher interest
  4. Guaranteed up to $250,000 by NCUA
  5. Powerful investment tool that gives you higher yields than traditional savings accounts

Our Certificates & Rates

Certificates

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 Sunday, February 19, 2017:
Type Minimum Balance Annual Percentage Yield (APY)
6-Month Certificate $1,000.00 – $9,999.99 0.33%
$10,000.00 – $24,999.99 0.36%
$25,000.00 – $74,999.99 0.39%
$75,000.00 – $249,999.99 0.42%
$250,000.00 – and up 0.45%
12-Month Certificate $ 1,000.00 – $9,999.99 0.63%
$10,000.00 – $24,999.99 0.66%
$25,000.00 – $74,999.99 0.69%
$75,000.00 – $249,999.99 0.72%
$250,000.00 – and up 0.75%
18-Month Certificate $1,000.00 – $9,999.99 0.68%
$10,000.00 – $24,999.99 0.71%
$25,000.00 – $74,999.99 0.74%
$75,000.00 – $249,999.99 0.77%
$250,000.00 – and up 0.80%
24-Month Certificate $1,000.00 – $9,999.99 0.98%
$10,000.00 – $24,999.99 1.01%
$25,000.00 – $74,999.99 1.04%
$75,000.00 – $249,999.99 1.07%
$250,000.00 – and up 1.10%
36-Month Certificate $1,000.00 – $9,999.99 1.28%
$10,000.00 – $24,999.99 1.31%
$25,000.00 – $74,999.99 1.34%
$75,000.00 – $249,999.99 1.37%
$250,000.00 – and up 1.40%
48-Month Certificate $ 1,000.00 – $9,999.99 1.33%
$10,000.00 – $24,999.99 1.36%
$25,000.00 – $74,999.99 1.39%
$75,000.00 – $249,999.99 1.42%
$250,000.00 – and up 1.45%
60-Month Certificate $1,000.00 – $9,999.99 1.58%
$10,000.00 – $ 24,999.99 1.61%
$25,000.00 – $ 74,999.99 1.64%
$75,000.00 – $249,999.99 1.67%
$250,000.00 – and up 1.70%
eCertificates
Open

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
Rates accurate as of Sunday, February 19, 2017:
Type Minimum Balance Annual Percentage Yield (APY)
5-Month eCertificate $1,000 and up 0.40%
10-Month eCertificate $1,000 and up 0.70%
15-Month eCertificate $1,000 and up 0.75%
Jump-Up Certificates

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 Sunday, February 19, 2017:
Type Minimum Balance Annual Percentage Yield (APY)
18-Month Jump-Up Certificate $1,000 – $9,999.99 0.63%
$10,000 – $24,999.99 0.66%
$25,000 – $74,999.99 0.69%
$75,000 – $249,999.99 0.72%
$250,000 – and up 0.75%
24-Month Jump-Up Certificate $1,000 – $9,999.99 0.88%
$10,000 – $24,999.99 0.91%
$25,000 – $74,999.99 0.94%
$75,000 – $249,999.99 0.97%
$250,000 – and up 1.00%
36-Month Jump-Up Certificate $1,000 – $9,999.99 1.13%
$10,000 – $24,999.99 1.16%
$25,000 – $74,999.99 1.19%
$75,000 – $249,999.99 1.22%
$250,000 – and up 1.25%

About High Yield Money Market Accounts


Open

Savers willing to commit greater balances can earn higher dividends (with tiered rates) than the Premium Share.2

  • Immediate access to your available funds
  • Income, in form of dividends
  • No monthly service fee with eStatements
  • Unlimited deposits & withdrawals1
  • $10,000 minimum balance to open
  • Online Banking, PhoneBank, and Mobile Banking
  • Write up to 6 checks each month
Rates accurate as of Sunday, February 19, 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%

It’s easy to get started.

Annual Percentage Yield(s) accurate as of 12/6/2016. Subject to approval. Certain restrictions may apply. Fees may reduce earnings on these account(s). Early withdrawal penalties may apply. Tiered balances earn tiered rates. Federally insured by NCUA. 1) When made at Vantage West ATMs. 2) Variable rate and subject to change without notice.