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

Small Business Administration (SBA) Loans

Federally insured by NCUA

As an approved SBA lender, Vantage West offers government-guaranteed loans to help qualified businesses obtain financing when they might not otherwise get funding through traditional lenders.

We provide a team of local loan officers who understand your organization and your community’s needs. Our team possesses knowledge, expertise and professionalism to help your business achieve its financial goals.

SBA loan proceeds may be used for most sound business purposes, including working capital, machinery/equipment, furniture/fixtures, land/building including purchase, renovation and new construction, leasehold improvements, and debt refinancing (under special conditions). Visit the SBA website for helpful information and resources regarding financial statements, business seminars, special SBA loan programs for women, minorities, and start-up companies, and more.

Features of SBA Loans:

  • Lower down payment requirement
  • Longer repayment terms (this means lower monthly payments)
  • Higher loan-to-value ratios allowed (makes qualification easier)
  • Borrow up to 90% of your financing needs (preserves working capital)
  • Projected income taken into consideration , in addition to historical cash flow
  • No balloon payment at the end of the loan
  • Fixed & variable rates offered
  • Available for up to $350,000 (SBAExpress), and up to $500,000 (Patriot Express)

Vantage West Credit Union business loans and lines of credit are not subject to prepayment penalties. All loans are subject to credit approval. All pricing and product details are subject to change. Certain restrictions may apply. Federally insured by NCUA.

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.