Secure your savings with some of the best certificate rates!

 

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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, April 25, 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 0.88%
$10,000.00 – $24,999.99 0.91%
$25,000.00 – $74,999.99 0.94%
$75,000.00 – $249,999.99 0.97%
$250,000.00 – and up 1.00%
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 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%
36-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%
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 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, April 25, 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%

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, April 25, 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 1.23%
$10,000 – $24,999.99 1.26%
$25,000 – $74,999.99 1.29%
$75,000 – $249,999.99 1.32%
$250,000 – and up 1.35%
36-Month Jump-Up Certificate $1,000 – $9,999.99 1.43%
$10,000 – $24,999.99 1.46%
$25,000 – $74,999.99 1.49%
$75,000 – $249,999.99 1.52%
$250,000 – and up 1.55%

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, April 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 04/1/17. 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. ¹$250,000 and up earns 1.00% APY; $75,000-$249,999.99 earns 0.97% APY; $25,000.00-$74,999.99 earns 0.94% APY; $10,000.00-$24,999.99 earns 0.91% APY; $1,000.00-$9,999.99 earns 0.88% APY. ²$250,000 and up earns 1.45% APY; $75,000-$249,999.99 earns 1.42% APY; $25,000.00-$74,999.99 earns 1.39% APY; $10,000.00-$24,999.99 earns 1.36% APY; $1,000.00-$9,999.99 earns 1.33% APY. ³$250,000 and up earns 1.70% APY; $75,000-$249,999.99 earns 1.67% APY; $25,000.00-$74,999.99 earns 1.64% APY; $10,000.00-$24,999.99 earns 1.61% APY; $1,000.00-$9,999.99 earns 1.58% APY. *Variable rate and subject to change without notice. **When made at Vantage West ATMs.