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
Learn More Switch To Vantage West

Home Loans

At Vantage West, you’re not a loan. We believe homeowners create stronger communities, so we work with our borrowers to ensure you make the right financial decisions to thrive. We treat you as a person, not a number, and bring clarity and honesty through every step of the process.


Your Loan Officer will provide personalized service to help you find the loan that’s right for you. And Vantage West’s quick, local decisions help you move-in faster to begin your new, exciting chapter.

•  Get pre-approved in minutes
•  Most loans close within 30 days
•  Local underwriting
•  Local servicing for most loans
•  VA, FHA, and specialty loans
•  30-, 45, 60-day rate lock options
•  Low fees

Continue through our pathway to homeownership to see what waits for you. If you come up with any questions while you explore your options, please feel free to contact us.

Mortgage Process

Whether you’ve purchased a home before or not, you deserve an experience that’s easier, faster and altogether more clear. That’s why we summarized our mortgage process into six simple steps. Get your ducks in a row by following our mortgage roadmap and you’ll be closing your loan in no time.

Check Rates

We don’t want you to go blindly into the home-buying process. That’s why our Loan Consultant feature determines the products and rates that match your needs. Take the guesswork out of buying a home by answering a few questions about what type of home loan you desire.


You’ve done the research, checked our rates, met our Loan Officer team. If you’ve decided that it’s time to buy a home, you’ve come to the right place. We created a simplified application process that takes 15-20 minutes to complete. Create a login to instantly check the status of your application.

Home Equity Loans1

Home equity (HELOC) loans serve as a powerful tool to provide you with extra funds by tapping your home’s built-up value. Vantage West offers HELOC loans starting at $10,000. To qualify, your property must be located in Arizona and be owner-occupied, along with being your primary residence.


Buying a new home or selling your existing can be among the more stressful financial transactions you make. We make it easy and affordable by offering the tools you need to do it all – from start to finish. We partner with HomeAdvantage® to help you search, buy, sell and save on your next real estate purchase. Use it to find the home of your dreams, sell your existing home, research the market, connect with a top local agent, and save money at closing. All this is available to Members at no cost.


You may be requested to provide additional documentation. Loans subject to approval. Mortgage options subject to change without notice. Certain other restrictions and fees may apply. Rate based on creditworthiness. Property insurance is required. 

1$50.00 annual fee.

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.