---
title: "Disclosures & Notices"
description: "Accessibility at Vantage West We comply with the Americans with Disabilities Act and we’re committed to providing access to our members. LEARN MORE Consumer Handbook on ARMs Learn how ARMs works, where to get additional info, a glossary of terms, and more. DOWNLOAD NOW Equal Credit Opportunity Act Notice Read about the Federal Equal Credit […]"
featured_image: "https://vantagewest.org/wp-content/uploads/2025/12/17-scaled.jpg"
url: "https://vantagewest.org/disclosures-notices/"
date_modified: "2025-12-08T14:22:26-07:00"
---

## Accessibility at Vantage West

We comply with the Americans with Disabilities Act and we’re committed to providing access to our members.

[LEARN MORE](https://vantagewest.org/accessibility/)

## Consumer Handbook on ARMs

Learn how ARMs works, where to get additional info, a glossary of terms, and more.

[DOWNLOAD NOW](https://vantagewest.org/wp-content/uploads/2025/12/ConsumerHandbook_ARM.pdf)

## Equal Credit Opportunity Act Notice

Read about the Federal Equal Credit Opportunity Act.

[LEARN MORE](https://vantagewest.org/equal-opportunity-act/)

## Equal Housing Lender Notice

We do business in accordance with federal fair lending laws.

[DOWNLOAD NOW](https://vantagewest.org/wp-content/uploads/2025/12/equalhousingopportunitynotice.pdf)

## Fair Credit Reporting Act

This notice is provided in accordance with the Federal Fair Credit Reporting Act

[LEARN MORE](https://vantagewest.org/fair-credit-reporting-act/)

## What You Should Know About Home Equity Lines of Credit (HELOC)

This is an explanation of some things you should know when your home is on the line — as well as a glossary of frequently used HELOC terms.

[DOWNLOAD NOW](https://vantagewest.org/wp-content/uploads/2025/12/cfpb_heloc-brochure_ELECTRONIC-8.2022.pdf)

## Home Mortgage Disclosure Act

The HMDA data about our residential mortgage lending are available for review.

[LEARN MORE](https://vantagewest.org/home-mortgage-disclosure-act-notice/)

## Social Media Public Use Guidelines

The purpose of this document is to provide guidelines for social media use with Vantage West Credit Union. These guidelines may evolve as new technologies and social networking tools emerge.

[LEARN MORE](https://vantagewest.org/social-media-public-use-guidelines/)

## Terms of Use

Please read these terms carefully before using this website.

[LEARN MORE](https://vantagewest.org/terms-of-use/)

## Unlawful Internet Gambling Enforcement Act (UIGEA)

Read about the UIGEA.

[LEARN MORE](https://vantagewest.org/unlawful-internet-gambling-enforcement-act/)