About Vantage West

Vantage West helps our Members and communities thrive by offering personal and business financial services. We strive to provide our Members with the personalized service, knowledge and honesty they deserve in a financial partner. And while we're proud to be among the largest credit unions in Arizona, our community impact continues to be our proudest achievement: local decision-making, local investment. Find out how to become a Member today.


Not a member? Open Your Account today!

Membership is open to anyone who lives, works, worships, attends school or volunteers in (as well as all businesses located in) these geographic areas…

  • Pima, Pinal, Cochise, or Maricopa Counties
  • Gila River Indian Community Reservation
  • Arizona's "Copper Basin" Area
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Home Equity Line of Credit

If you’ve built up your home’s equity, you can borrow money using your home as collateral. Home equity loans serve as a powerful tool to provide you with extra funds to make home improvements or pay for other major purchases that you might not otherwise be able to afford.

A Home Equity Line of Credit (HELOC) lets homeowners leverage the equity in their home, up to 90% for qualified borrowers.  It’s a great way to fund your home improvement projects, consolidate debt, pay for educational expenses, or any other need.

For example, if your home is worth $400,000 and has a remaining $100,000 mortgage, there is $300,000 in built-up equity.  A HELOC can provide access to funds up to $270,000 (90% x $300,000).

With a generous 10-year draw period and the choice of a 10 or 20-year payback period, a Vantage West HELOC empowers you to leverage your home’s equity on your terms.

  • Property must be located in Arizona
  • Credit lines from $10,000
  • Interest only payment options available
  • Available as an overdraft protection source for a checking account
  • Transfer funds into any account via Phone, Online Banking or Mobile App

Annual Percentage Rate (APR)

8.50% – 11.00% VRL1

Last updated July 1, 2024

Standard 10/10 HELOC

A home equity line of credit from $10,000 to $650,000 for a primary residence or second home. Draw from the account for 10 years with a 10 year payback period.

Standard 10/20 HELOC

Take more time to pay your credit off with a 20 year payback period. You’ll still have the same 10 years to draw from the line of credit. Get a line of credit between $10,000 and $650,000 for your primary residence or second home.


Loans subject to approval.  $50.00 annual fee.  Rate based on LTV and creditworthiness. Certain restrictions and fees may apply. Rates subject to change.  Property insurance is required. Closing costs covered for credit lines up to $100,000. Loan must remain open for a minimum of 2 years to avoid repayment of origination fees and closing costs. Additional restrictions and qualifications may apply. Consult a tax advisor for tax deductibility guidelines. 1Variable rate maximum: 17.99% APR. Mortgage options subject to change without notice. NMLS# 485751


Online Banking If you are logging in for the first time (or if it has been 6 months since your last log in), use temporary credentials in the box to the right. Once in, you’ll be prompted to set up new credentials.

  1. Temporary USERNAME: Vantage West Member #
  2. Temporary PASSWORD: Last 4 digits of primary account holder’s social security # (For business accounts, use the last 4 digits of the business’s EIN.)
  3. Once in, follow prompts to create a new Username & Password. For future logins, use your new credentials.