Skip-A-Pay

Choose to skip one payment, per year, per loan. Simply sign into your account. If you have any eligible loans for Skip-A-Pay you will see it listed.

Make A Payment

The many ways you can make a payment to your Vantage West loan(s) or credit card(s). You can pay one time or set up a recurring payment.

Prevent Fraud on Your Accounts

If you have any reason to believe you might be a victim of fraud, the first thing to do is change your online banking password. Then, to report suspicious activity, verify whether any communication is legitimate, or ask any other questions about your account, please call our Member Solutions Center at 800-888-7882.

Document Index

Brochures

Check out our brochure library to download and review Vantage West Credit Union information.

Business Forms & Applications

Get easy access to the forms and applications you need for business banking.

Disclosures & Notices

Review our disclosures, notices, and policies — all on one convenient page.

Newsletters & Annual Reports

Find these materials in our our archives.

Personal Forms & Applications

We compiled a list of our most frequently used forms, online applications, and downloadable PDFs.

Overdraft Privilege and Protection

Find out how Vantage West protects your account against overdraft fees and what you can do to further protect yourself.

Set Up Direct Deposit

Don’t wait 2 days for your check to clear. Here is how to set up direct deposit and get paid faster.

FAQS

Glossary

A

assets

Cash and cash equivalents, certificates of deposit, checking, and savings accounts, money market accounts, physical cash, Treasury bills. Property or land and any structure that is permanently attached to it. Personal property can include boats, collectibles, household furnishings, jewelry, and vehicles.

B

Balance Transfer

The process of moving an outstanding balance from one credit card to another. This is usually done to obtain a lower interest rate on the outstanding balance.

Bank

A financial establishment that invests money deposited by customers, pays it out when required, makes loans at interest, and exchanges currency.

C

closing costs

Closing costs are fees paid at the closing of a real estate transaction. This point in time called the closing is when the title to the property is conveyed to the buyer. Closing costs are incurred by either the buyer or the seller

C

Credit Union

A member-owned financial co-operative that is created and operated by members and profits are shared amongst the owners.

D

Dividends

A sum of money paid regularly (typically quarterly) by a company to its shareholders out of its profits (or reserves).

I

income

Income is money (or some equivalent value) that an individual or business receives, usually in exchange for providing a good or service or through investing capital. Income is used to fund day-to-day expenditures. Investments, pensions, and Social Security are primary sources of income for retirees. For individuals, income is most often received in the form of wages or salary.

L

liabilities

A liability is what a person or organization owes money on. This includes the obligation to pay taxes, loans, mortgage payments, and invoices for goods and services.

M

mortgage

A debt instrument used in a real estate transaction where the property is the collateral for the loan. A mortgage gives the lender a right to take possession of the property if the borrower fails to pay off the loan.

S

Surcharge

An additional charge or payment.

U

underwriting

Underwriting is the process that banks and other financial institutions use to assess the creditworthiness or risk of a potential borrower. During this stage of the loan process, the underwriter checks the borrower’s ability to repay the loan based on an analysis of their credit history, collateral, and capacity.