Disclosures & Notices

Accessibility at Vantage West

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

Adjustable-Rate Mortgage (ARM) Disclosure

This is a disclosure describing the features of ARMs.

Bill Payment Agreement and Disclosures

The agreement that permits you to use your Internet-enabled device to direct payments to third parties.

Business Visa Credit Card Disclosure

Read the “fine print” of our Business Visa credit card.

Business Visa Credit Card Agreement

Information on rates, fees and how to avoid paying interest on purchases.

Business Membership and Disclosures

The rights and responsibilities with a business account.

Consumer Credit Card Agreement

Read the “fine print” of our Visa Connect Signature consumer credit card.

Consumer Handbook on ARMs

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

Equal Credit Opportunity Act Notice

Read about the Federal Equal Credit Opportunity Act.

Equal Housing Lender Notice

We do business in accordance with federal fair lending laws.

Electronic Statements, Disclosures, and Notices Consent Agreement

When you enroll in electronic eDocuments, these are the terms to which you agree.

Fair Credit Reporting Act

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

Fee Schedule

This list includes the fees we are required to disclose.

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.

Home Equity Early Disclosure: Important Terms of HELOC

This disclosure contains important information and terms regarding our Home Equity Line of Credit Plans.

Home Mortgage Disclosure Act Membership and Account Agreement

The membership and account agreement when you become a member at Vantage West.

Electronic Fund Transfers Agreements and Disclosure

This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers (EFT) services offered to you by Vantage West Credit Union.

Funds Availability

This disclosure describes your ability to withdraw funds at Vantage West.

Online Banking Agreement and Disclosure

This discloses your rights and obligations as a user of Online Banking & BillPay.

Privacy Policy

Find out what Vantage West does with your personal information.

FraudScout® Identity Monitoring & Protection Services

Find information on products, pricing and eligibility.

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.

Terms of Use

Please read these terms carefully before using this website.

Truth-in-Lending Act Regulation Z Disclosure

Read about “Regulation Z.”

Truth-in-Lending Terms

Learn the definitions to some frequently used Truth-in-Lending terms.

Unlawful Internet Gambling Enforcement Act (UIGEA)

Read about the UIGEA.

Certification Regarding Beneficial Owners of Legal Entity Members