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.


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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’s equity is defined as the difference between the home’s value and the amount that is paid off. For example, if your home is worth $400,000 and you have $100,000 left to pay off the mortgage, then you have $300,000 in built-up equity. A home equity line of credit (HELOC) is a loan that lets you borrow up to a certain amount, using your home’s equity as collateral. A HELOC acts like a credit card: it has a credit limit, and you can borrow against it, pay all or part of the balance, and borrow again up to the credit limit. You may borrow from the HELOC for either 5 or 10 years, known as the draw period, as long as you own your home. After the draw period expires, the repayment period begins. Pay no origination fees, points, application fees, or closing costs.1 Plus, your interest may be tax deductible.2

  • Property must be located in Arizona
  • Credit lines from $10,000
  • Available as an overdraft protection source
  • Access funds at any branch through loan drafts (checks)
  • Transfer funds into a checking account via Phone, Online Banking or Mobile App

Annual Percentage Rate (APR)

8.50% – 11.00% VRL3

Last updated September 1, 2023

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. 1Loan must remain open for a minimum of 2 years to avoid repayment of origination fees. 2Consult a tax advisor for tax deductibility guidelines. 3Variable 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.