Deposit Products

Federally insured by NCUA

Premium Share Account

Premium Savings Minimum Opening Deposit Standard Rate Relationship Rate
Tier 1 ($500 – $9,999.99) $500 0.05% APY .30% APY
Tier 2 ($10,000-$124,999) $500 1.50% APY 1.75% APY
Tier 3 ($125,000) and up $500 1.50% APY 1.75% APY
Last Updated November 1, 2024. 

High Yield Money Market

Minimum Opening Deposit Standard Rate Relationship Rate
Tier 1 ($500 – $99,999.99) $10,000 0.05% APY 0.30% APY
Tier 2 ($100,000 – $124,999.99) $10,000 3.00% APY 3.26% APY
Tier 3 ($125,000.00 and up) $10,000 3.25% APY 3.51% APY
Last Updated November 1, 2024. 

Share Certificates (CDs)

Certificate Standard Rate Certificate Relationship Rate1 Jump Up Standard Rate Jump Up Relationship 1
6 month 4.00% APY 4.26% APY N/A N/A
12 month 4.00% APY 4.26% APY N/A N/A
24 month 3.75% APY 4.01% APY 3.65% APY 3.91% APY
36 month 3.75% APY 4.01% APY 3.60% APY 3.86% APY
60 month 3.50% APY 3.76% APY N/A N/A
Last Updated November 1, 2024. 

IRA and IRA Certificates

Type Minimum Balance Annual Percentage Yield (APY)
Premium Share IRAs (Traditional & Roth) $50 – $499.99 1.15%
$500 – $24,999.99 1.25%
$25,000 – 74,999.99 1.50%
$75,000 – $124,999.99 1.75%
$125,000 and up 2.00%
18-month Share Certificate IRAs (Traditional & Roth) $500 and up 4.00%
36-month Share Certificate IRAs (Traditional & Roth) $500 and up 3.50%
Last Updated November 5, 2024. 
Disclosures

APY(s) = Annual percentage yield(s) accurate as of November 1, 2024. Subject to approval. Early withdrawal penalties may apply. Credit union Membership required. Rates subject to change. Rates for Premium Share Accounts (PSA) and High Yield Money Markets (HYMM) are variable and may change after the account is opened. Tiered balances earn tiered rates. Minimum opening deposit of $500 required for Premium Share.  Minimum opening deposit of $500 required for share certificates. Minimum deposit of $10,000 to open High Yield Money Market. Certain restrictions may apply. Fees and other conditions could reduce the earnings on the account. Certificates earn dividends. Federally insured by NCUA.

1Relationship Rates are based on the following eligibility requirements: 1. Have a qualifying open Vantage West consumer checking account, 2. Have a total monthly direct deposit of at least $750/month to accounts under the same Membership account 3. Keep an aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. HYMM and PSA dividends are based on the account’s standing and Relationship Rate eligibility at the end of the month. Rates for new/renewing/converting CDs will be based upon the account’s Relationship eligibility as of the prior night. In the event that PSA or HYMM account no longer qualifies then the Relationship Rate will be removed, and you will earn the standard posted rate instead of the Relationship Rate. Accounts that do not meet the eligibility requirements receive a lower APY. Relationship Rates, conditions, and benefits are subject to change without notice. Business Accounts and IRA CDs are not eligible for Relationship Rates.

Consult your tax advisor about IRA eligibility, contributions, qualifications, and early withdrawal penalties. Subject to approval.  Certain restrictions may apply. Traditional and Roth IRA rates are variable and subject to change. Minimum opening deposit of $50 required for Premium Share IRAs.  Minimum opening deposit of $500 required for Share Certificate IRAs. Early withdrawal penalties may apply. Early withdrawals, fees, and other conditions could reduce the earnings on the account. Accounts federally insured to at least $250,000 by the National Credit Union Administration.