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# Vantage West Credit Union: At Vantage West, we believe a bank should do more than hold your money, it should help you and your community thrive. What began over 70 years ago in a one-room Air Force barrack has grown into Southern Arizona’s largest credit union. And while we’ve expanded, our mission has never changed: to invest in the people and communities we serve. We’re here to be more than your financial institution—we’re your trusted financial partner.

## Sitemaps
[XML Sitemap](https://vantagewest.org/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Annual Skip-A-Payment](https://vantagewest.org/annual-skip-a-payment/): Choose to Skip-A-Payment — one per year, per eligible loan.
- [Make a Payment](https://vantagewest.org/make-a-payment/): Making a payment to your Vantage West loan has never been easier. We offer a variety of options to help with payments and account management. Select the option that works best for you.
- [Personal Forms & Applications](https://vantagewest.org/personal-forms-applications/): Use this form if one of your checks was involved in fraud and a polic report is requested.
- [eStatements](https://vantagewest.org/estatements/): Did you know that an identity is stolen every 2 seconds*?
- [FAQ: Mobile & Online Banking](https://vantagewest.org/faq-mobile-online-banking/): We offer a variety of services through Online Banking and our mobile app. These include:
- [Direct Deposits, Electronic Payments & Wire Transfers](https://vantagewest.org/direct-deposits-electronic-payments-wire-transfers/): Direct deposit allows you to deposit paychecks, social security checks, and even tax refunds directly into your Vantage West accounts. Access your funds without ever needing to deposit the checks yourself! Electronic payments can be set up for things like paying bills, paying other people, or moving money.
- [Welcome to Zelle®](https://vantagewest.org/zelle/): var JHZELLE_eventMethod = window.addEventListener?"addEventListener":"attachEvent"; var JHZELLE_eventer = window; var JHZELLE_messageEvent = "attachEvent"==JHZELLE_eventMethod?"onmessage":"message"; JHZELLE_eventer(JHZELLE_messageEvent,function(e){ if(-1!=e.data.indexOf("JHZELLE_RESIZE::")){ var E=e.data.replace("JHZELLE_RESIZE::",""); document.getElementById("JHZELLE_iframe").style.height=E+"px"}},!1);
- [Why Your Bank Should Know Your Name](https://vantagewest.org/why-your-bank-should-know-your-name/): When your bank knows your name, it means they know your story—not just your balance. It means they understand what you’re working toward, and they show up for you in ways that go beyond basic transactions. It’s about being recognized, respected, and supported by people who live and work in the same community you do.
- [Who Can Join a Credit Union (And Why They Should)](https://vantagewest.org/who-can-join-a-credit-union-and-why-they-should/): Sure, many credit unions do exist to serve specific professions or groups, like labor unions, government employees, and members of the military. But many are community-based and only require you to live, work, worship, or attend school in a specific geographic area or community. You can research the specific membership requirements here.
- [Tucson Welcome Home Program: 5 Ways it Helps Arizona Families Become Homeowners](https://vantagewest.org/tucson-welcome-home-program/): But now, for many local residents; from both Tucson to Phoenix that “later” is becoming right now thanks to the *Tucson Welcome Home Program.
- [7 Smart Ways Families Can Save on Summer Travel](https://vantagewest.org/7-smart-ways-families-can-save-on-summer-travel/): Summer in Arizona arrives with rising temperatures and rising wanderlust, which is exactly why it's important to save on summer travel. By June, families across Tucson, Phoenix, and beyond are ready to escape the heat, but travel costs can add up fast. These seven strategies may help you plan ahead, stretch your budget, and enjoy the adventure without financial stress.
- [Vantage West Named Forbes Best-in-State Credit Union for Fourth Consecutive Year](https://vantagewest.org/vantage-west-named-forbes-best-in-state-credit-union-for-fourth-consecutive-year/): TUCSON, AZ – Vantage West Credit Union has been recognized by Forbes as one of America’s Best-In-State Credit Unions, earning the prestigious honor for the fourth consecutive year.
- [Mid-Year Financial Checkup: What to Review in June for Healthy Financial Year](https://vantagewest.org/mid-year-financial-checkup-june/): A Mid-Year financial checkup is vital to your annual financial growth.
- [The Surprising Reason Why the Penny Is Going Away (and Why It Matters Now)](https://vantagewest.org/why-is-the-penny-going-away/): Why is the penny going away?
- [Vantage West Credit Union’s Military Roots | 70+ Years of Unwavering Support](https://vantagewest.org/vantage-west-credit-unions-military-roots/): In 1955, inside a modest room on Davis‑Monthan Air Force Base, a group of airmen came together with a simple but powerful idea: create a financial resource built on trust, cooperation, and community. That idea became D.M.A.F.B. Federal Credit Union, the earliest version of what we now know as Vantage West Credit Union.
- [How to Save on AC Bills in the Arizona Summer?](https://vantagewest.org/save-on-ac/): When the Arizona summer hits, it hits hard. Once temperatures climb past 100° (and stay there), AC becomes less of a luxury and more of a survival tool. But that also means electric bills can spike, especially in Southern Arizona, where long stretches of triple-digit days are the norm.
- [Differences Between a Music CD and a Financial CD](https://vantagewest.org/music-cd-and-financial-cd/): Q: What’s the difference between a Music CD and a Financial CD?A Music CD plays songs. A Financial CD increases your savings at a guaranteed rate. Only one of them pays you back — and it’s not the one in your old car stereo.
- [Vantage West Celebrates Grand Opening of Tatum & Shea Branch](https://vantagewest.org/tatum-shea-press-release/): PHOENIX, AZ (May 15, 2026) – Vantage West Credit Union is proud to celebrate the grand opening of its newly relocated Tatum & Shea Branch. The modern location replaces Vantage West’s former 32nd & Shea branch and reflects the organization’s continued investment in Paradise Valley.  
- [5 Smart Financial Moves to Strengthen Your Small Business](https://vantagewest.org/small-business-financial-planning/): Small businesses are built on passion, grit, and a lot of determination, but long‑term success takes more than a great idea. Strong small business financial planning is what helps businesses stay resilient, adapt, and grow over time.
- [E‑Waste Scholarships Support First‑Generation College Students](https://vantagewest.org/e-waste-scholarships/): Vantage West and College Bound AZ Partnership converts corporate technology donations into scholarships, laptops, and support for first-generation college students in Metro Phoenix.
- [Arizona Tax Prep Checklist 2026: What Do You Need Before Filing in Arizona?](https://vantagewest.org/arizona-tax-prep-checklist/): What do you need before filing in Arizona? If this is a question you find yourself asking we are here to help. Get ready for tax season with this complete tax prep checklist. Learn what documents you need, Arizona-specific credits, and a simple checklist you can follow.
- [What is Community Banking and Why Does It Matter to Southern Arizona?](https://vantagewest.org/what-is-community-banking-credit-unions/): Community Banking Month is the perfect time to explore why choosing a local financial institution, like a credit union, feels less like a transaction and more like people helping people.
- [FC Tucson & Vantage West Announce Two-Year Partnership  ](https://vantagewest.org/fc-tucson/): Tucson, AZ- March 31, 2026 – FC Tucson and longtime partner Vantage West Credit Union are excited to expand their relationship with a new two-year agreement, naming the Tucson-based financial institution as the official financial partner and front-of-jersey sponsor for the FC Tucson Men’s Team and the official back-of-jersey sponsor for the FC Tucson Women’s Team.
- [Mobile Wallet FAQ](https://vantagewest.org/mobile-wallet-faq/): Find more detailed information on mobile wallets and how to set them up in our Mobile Wallet FAQ.
- [Why Did My Credit Score Drop?](https://vantagewest.org/why-did-my-credit-score-drop/): A credit score drop can happen because of higher credit card balances, a missed or late payment, a new credit application, or changes to older accounts.
- [One Big Beautiful Bill Act: Car Loan Tax Benefit](https://vantagewest.org/obbba-car-loan-tax-benefit/): Under the One Big Beautiful Bill Act (OBBBA) of 2025, interest paid on loans for American-made vehicles may be eligible for a federal tax deduction. Members can view 2025 interest paid on their December statements or in Online Banking.
- [What Happens if I Die Without a Will?](https://vantagewest.org/what-if-i-die-without-will/): Most people put off estate planning because it feels complicated, far-off, or uncomfortable. But if something unexpected happens and you die without a will, your loved ones may be left dealing with emotional stress, legal delays, and decisions you never got to make.
- [How Do I Recover From Holiday Spending?](https://vantagewest.org/recover-from-holiday-spending/): If you’re feeling behind after the holidays, you’re not alone. Many people struggle to recover financially after the holidays due to extra spending on gifts, travel, food, and end-of-year expenses.
- [Vantage West – America’s Best Regional Credit Union for Third Year](https://vantagewest.org/newsweek-best-regional-credit-union/): TUCSON, AZ (DECEMBER 16, 2025) – Vantage West Credit Union has been recognized by Newsweek as one of America’s Best Regional Credit Unions for the third consecutive year.
- [Pima, Tucson Host Returning Celebration of Service to Education](https://vantagewest.org/pima-tucson-host-returning-celebration-of-service-to-education/): Metro Education Commission’s Evening to Empower Ed Honors Students, Educators, and Community Leaders Across the Greater Tucson Area
- [Start up costs calculator](https://vantagewest.org/start-up-costs-calculator/)
- [Loan vs lease calculator](https://vantagewest.org/loan-vs-lease-calculator/)
- [Gross profit break-even calculator](https://vantagewest.org/gross-profit-break-even-calculator/)
- [Five ways to increase profit calculator](https://vantagewest.org/five-ways-to-increase-profit-calculator/)
- [Break-even calculator](https://vantagewest.org/break-even-calculator/)
- [Burn down calculator](https://vantagewest.org/burn-down-calculator/)
- [Discount calculator](https://vantagewest.org/discount-calculator/)
- [Vantage West Debit Perks](https://vantagewest.org/vantage-west-debit-perks/): Vantage West Debit Perks rewards eligible Members for using their Vantage West debit card. Consider it our little “Thank You” for being a loyal Member!
- [Financial health check](https://vantagewest.org/financial-health-check/)
- [Business planning tool](https://vantagewest.org/business-planning-tool/)
- [Visa Checkout](https://vantagewest.org/visa-checkout/): Love shopping online, but hate all the hassles when it’s time to pay?  Visa Checkout is a digital payment service that can make online payments as fun and easy as online shopping.
- [Community Resources](https://vantagewest.org/community-resources/): DREAMSPRING
- [Hardship Declaration](https://vantagewest.org/hardship-declaration/): Trouble Making Loan Payments?
- [Excellence in Banking: Credit unions of the year](https://vantagewest.org/excellence-in-banking-credit-unions-of-the-year/): AZ Business magazine‘s “Excellence in Banking” feature for 2026 underscores the critical role financial institutions play in driving Arizona’s growth, highlighting innovation, stability, and community impact as essential benchmarks for industry leadership. 
- [Episode 1: Passwords & Passphrases](https://vantagewest.org/episode-1-passwords-passphrases/)
- [Episode 2: Phishing & Social Engineering](https://vantagewest.org/episode-2-phishing-social-engineering/)
- [Episode 3: Multifactor Authentication](https://vantagewest.org/episode-3-multifactor-authentication/)
- [Episode 4: Software Updates](https://vantagewest.org/episode-4-software-updates/)
- [Fair Credit Reporting Act](https://vantagewest.org/fair-credit-reporting-act/): This notice is provided to you in accordance with § 601 et seq. of the Federal Fair Credit Reporting Act (FCRA). In connection with processing your loan application, we will request a consumer credit report on your credit standing, credit capacity and creditworthiness from a Consumer Reporting Agency. If adverse action is taken on your loan application, we will advise your name, address and telephone number of the Consumer Reporting Agency and you will have the right to obtain within 60 days of adverse action a free copy of the consumer credit report from the Consumer Reporting Agency. You also have the right to dispute the accuracy or completeness of any information in the credit report furnished by the Consumer Credit Reporting Agency.
- [Home Mortgage Disclosure Act Notice](https://vantagewest.org/home-mortgage-disclosure-act-notice/): To obtain HMDA data for a particular year, follow the instructions below. Please contact an employee if you have any questions.
- [Unlawful Internet Gambling Enforcement Act](https://vantagewest.org/unlawful-internet-gambling-enforcement-act/): Per the Unlawful Internet Gambling Enforcement Act (UIGEA), individual and business members are prohibited from transacting unlawful Internet gambling activities through their accounts at Vantage West Credit Union.
- [Overdraft Protection](https://vantagewest.org/overdraft-protection/): Our Overdraft Protection program offers an alternative to overdraft privilege. With this program, we automatically transfer funds from your share account into your checking in order to cover the overdraft. Overdraft transfers in increments of $100 or your available balance if there is less than $100 in the share account.
- [Disclosures & Notices](https://vantagewest.org/disclosures-notices/): We comply with the Americans with Disabilities Act and we’re committed to providing access to our members.
- [Social Media Public Use Guidelines](https://vantagewest.org/social-media-public-use-guidelines/): Vantage West encourages the use of social media platforms as a way to share and receive information about our credit union and to foster an open and respectful dialogue relating to the specific issues and topics covered in our posts.  Please read the following guidelines to ensure a safe and useful experience when engaging with Vantage West Credit Union via social media platforms. By accessing Vantage West social media sites, you agree to comply with these social media guidelines as well as the engagement rules related to third party platforms where Vantage West content appears (e.g. Facebook Statement of Rights and Responsibilities, Twitter Terms of Service, LinkedIn User Agreement, Instagram Terms of Use, TikTok Terms of Service etc.).
- [Privacy Policy](https://vantagewest.org/privacy-policy/): The Vantage West Online Privacy Policy describes how we collect, use, share and protect consumers’ personal information when they visit or use online services offered by the credit union and our affiliates.
- [70 Ways to Give](https://vantagewest.org/70-ways-to-give/): Every year, each Vantage West team member is offered 16 hours of community service time, and they get to choose what they want to do with it—from volunteering, to serving on boards, or supporting local causes. So far this year, our team has logged almost 1,000 hours of community service! 

## Pages
- [Personal Signature Loans](https://vantagewest.org/personal/personal-loans/personal-signature-loans/): Home »
- [Our People/Membership](https://vantagewest.org/why-us/our-people-membership/): All products and services are subject to approval. Programs, rates, restrictions, terms and conditions apply and are subject to change at any time. Certain restrictions may apply. Credit Union Membership required. Federally Insured by NCUA.
- [Contact Us](https://vantagewest.org/contact-us/): Home »
- [Wills & Trusts](https://vantagewest.org/benefits/wills-trusts/): Home »
- [Insurance](https://vantagewest.org/benefits/insurance/): Home »
- [Why Us](https://vantagewest.org/why-us/): We’ve spent 70 years doing what credit unions do best: keeping banking human, local, and genuinely helpful. So while we’re proud to stand with credit unions as a better choice overall, we’re especially proud of the reason members stay with us year after year: our member satisfaction is stronger than other credit unions and banks, as shown by independent research. People don’t just open accounts here...they build long-term relationships.
- [Debt Consolidation Loans](https://vantagewest.org/personal/personal-loans/debt-consolidation-loan/): A debt consolidation loan from Vantage West can help you take control of your financial future with a single, predictable payment and a competitive fixed rate. Whether you're juggling credit cards, medical bills, or other loans, we make the process clear, supportive, and built around your goals.
- [Financial Wellness](https://vantagewest.org/benefits/financial-wellness/): Home »
- [Benefits](https://vantagewest.org/benefits/): You're In! As a new member-owner you now have access to the Benefits and Perks of Membership. 
- [Join Us](https://vantagewest.org/join-us/): Home »
- [Young Adults](https://vantagewest.org/personal/young-adults/): Home »
- [Leadership](https://vantagewest.org/why-us/leadership/): Home »
- [IOLTAs](https://vantagewest.org/business/ioltas/): IOLTAs help fund the Arizona Foundation for Legal Services & Education (AZFLSE/The Foundation) and the State Bar of Arizona to promote access to justice for all Arizonans and preparing Arizona youth for civic responsibility. The Foundation works to level the playing field, so that all in Arizona have knowledge and access to the justice systems.
- [Cash Management Solutions](https://vantagewest.org/business/cash-management-solutions/): Running a business in Arizona means every day brings decisions that impact your people, your customers, and your future. Our Cash Management Solutions are built to give you more control, more certainty, and more time back — so you can focus on growing what matters.
- [Merchant Services](https://vantagewest.org/business/merchant-services/): Home »
- [Governance](https://vantagewest.org/why-us/governance-annual-reports/): Home »
- [Established](https://vantagewest.org/business/established/): Big banks often prioritize scale over relationship. Vantage West is different because we’re member-owned and rooted in Arizona. That means we reinvest in better rates, lower fees, and smarter business banking tools that deliver ongoing value to established companies. Your success strengthens your community, and we’re proud to be the kind of partner that helps both grow.
- [Ready To Grow](https://vantagewest.org/business/ready-to-grow/): Home »
- [Youth Savings](https://vantagewest.org/personal/personal-savings/youth-savings/): Home »
- [New Auto Loan](https://vantagewest.org/personal/auto-loans/new-auto-loan/): Home »
- [Auto Refinancing](https://vantagewest.org/personal/auto-loans/auto-refinancing/): Home »
- [Auto Loans](https://vantagewest.org/personal/auto-loans/): Home »
- [Loan Protection Insurance](https://vantagewest.org/personal/personal-loans/loan-protection-insurance/): Home »
- [Line of Credit](https://vantagewest.org/business/business-lending/line-of-credit/): A Business Line of Credit from Vantage West gives you a reliable, reusable source of funding to keep your small business running smoothly, without having to re-apply every time you need cash.
- [Cash Management](https://vantagewest.org/business/cash-management/): Cash management gives you day-to-day control of your business operations. It is the nuts and bolts that keep money moving where it should, on time and with the customizable controls in place. With Vantage West Cash Management solutions, you can streamline cash flow, receivables, payments, payroll, and access for trusted team members, so your operation runs smoother and your finances stay in sync with your goals.
- [Business Installment Loan](https://vantagewest.org/business/business-lending/business-installment/): A Business Installment Loan from Vantage West gives you predictable, fixed-rate financing to fund major goals with terms that fit your timeline.
- [Procurement Line of Credit](https://vantagewest.org/business/business-lending/procurement-loc/): A Procurement Business Line of Credit from Vantage West gives your business pre-approved purchasing power, so you can secure the equipment you need this year without slowing down operations.
- [Commercial Vehicle Loan](https://vantagewest.org/business/business-lending/commercial-vehicle-loan/): Home »
- [Small Business Loan](https://vantagewest.org/business/business-lending/small-business-loan/): Home »
- [Support Requests](https://vantagewest.org/why-us/support-requests/): Home »
- [Scholarship Program](https://vantagewest.org/why-us/community-impact/scholarship-program/): By applying for the Vantage West Scholarship, you’re not just investing in your education—you’re investing in your future. Our scholarship program is designed to support individuals like you in achieving their academic and career goals. Don’t miss out on this opportunity to receive financial assistance and join a community committed to your success.
- [Community Impact](https://vantagewest.org/why-us/community-impact/): Home »
- [Tucson Welcome Home](https://vantagewest.org/personal/mortgage/tucson-welcome-home/): Home »
- [Rates](https://vantagewest.org/rates/): Home »
- [Mortgage](https://vantagewest.org/personal/mortgage/): Home »
- [Refinance Home Loan](https://vantagewest.org/personal/mortgage/refinance-home-loan/): Home »
- [Business Resources](https://vantagewest.org/knowledge-center/business-resources/): Home »
- [Security & Fraud](https://vantagewest.org/knowledge-center/security-and-fraud/): Home »
- [Member Stories](https://vantagewest.org/knowledge-center/member-stories/): Home »
- [In the News](https://vantagewest.org/knowledge-center/in-the-news/): Home »
- [Events & Community](https://vantagewest.org/knowledge-center/events-and-community/): Home »
- [Financial Education](https://vantagewest.org/knowledge-center/financial-education/): Home »
- [Online Banking & Services](https://vantagewest.org/knowledge-center/online-banking-and-services/): Home »
- [Vantage West At Work](https://vantagewest.org/vantage-west-at-work/): As a local business owner, you are qualified to participate in Vantage West at Work, an exclusive package featuring incentives, premium rates, and other special offers on financial products and services for your employees.
- [Business Credit Cards](https://vantagewest.org/business/business-credit-cards/): Home »
- [Commercial Lending](https://vantagewest.org/business/commercial-lending/): Home »
- [Business Lending](https://vantagewest.org/business/business-lending/): Arizona business financing built for every stage of growth.
- [Refer A Friend](https://vantagewest.org/refer-a-friend/): Home »

## Locations
- [Tatum & Shea](https://vantagewest.org/location/tatum-shea/)
- [43rd & Peoria](https://vantagewest.org/location/glendale-43rd-peoria/)
- [Tombstone](https://vantagewest.org/location/tombstone/)
- [Casa Grande](https://vantagewest.org/location/casa-grande/)
- [Cooper Square](https://vantagewest.org/location/gilbert-cooper-square/)
- [Wilmot](https://vantagewest.org/location/tucson-wilmot/)
- [Tanque Verde](https://vantagewest.org/location/tucson-tanque-verde/)
- [Southwest](https://vantagewest.org/location/tucson-southwest/)
- [Rita Ranch](https://vantagewest.org/location/tucson-rita-ranch/)
- [Marana (Arizona Pavilions)](https://vantagewest.org/location/marana-arizona-pavilions/)
- [Northwest](https://vantagewest.org/location/tucson-northwest/)
- [La Cañada & Naranja](https://vantagewest.org/location/tucson-la-canada-naranja/)
- [I-19 & Irvington](https://vantagewest.org/location/tucson-i-19-irvington/)
- [Golder Ranch](https://vantagewest.org/location/tucson-golder-ranch/)
- [First Ave](https://vantagewest.org/location/tucson-first-ave/)
- [Base](https://vantagewest.org/location/tucson-base/)
- [Broadway](https://vantagewest.org/location/tucson-broadway/)
- [22nd & Kolb](https://vantagewest.org/location/tucson-22nd-kolb/)
- [University](https://vantagewest.org/location/tucson-university/)