The Rumor is True: Credit Unions Really do Offer Competitive Rates and Great Loan Options.
From new homes to first cars to life’s next big step, we make borrowing simple, affordable, and built around you. Explore flexible loan options designed to get you closer to financial confidence.
PERSONAL, HOME, AUTO
In 2024, members saved $2,269 compared to Arizona banks through lower rates and fewer fees.*
Personal Loans
for Real-Life Needs
Use your loan for whatever matters most: consolidating debt, covering expenses, or reaching a personal goal.
“Sometimes you just need a little boost, and a Personal Loan from Vantage West can help you move forward with peace of mind.“
Personal (Signature) Loans
Debt Consolidation Loan
Fixed interest rate that stays the same for the life of your loan.
Flexible repayment terms (12-84 months)
CashPlease® Loan
Citizenship Loan
Borrow up to $1,500 to cover naturalization application and legal fees.
Flexible repayment terms up to 24 months.
Shared-Secure Loan
Borrow against your Vantage West share account without touching your savings.
Start with loans as low as $500, with fixed or variable-rate options.
With flexible financing options, you can make important purchases and grow your financial confidence at the same time
Protect Your Loan (Insurance)
Create greater peace of mind with borrowing protections.
Perfect for vehicle loans and personal loans.
We can help take stress out of unexpected events that might affect your finances.
Home Loans
OPENING DOORS,
AND CLOSING WITH CONFIDENCE.
“Design matters, location matters, but so does peace of mind. A loan that fits just right can make your new house feel like home.”
Purchase A Home (Mortgage Loans)
Personalized guidance and local decision-making at every step.
Competitive rates and a streamlined process to make homebuying easier.
The right loan for you with support that feels close to home every step of the way.
Refinance A Home Loan
Lower your monthly payments with competitive refinance rates.
HELOC (Home Equity Loans)
Tap into your home’s equity with loans starting at $10,000.
Flexible way to access funds for major expenses, improvements, or life goals.
Turn your home’s equity into opportunity and fund life’s big moments.
Auto Loans
FIND & FUND YOUR VEHICLE.
“With the right loan, you don’t just drive off the lot, you drive off with financial breathing room.”
New Auto, RV, or Motorcycle Loans
Finance up to 100% of your new or used vehicle, including taxes, fees, and add-ons.
APR Rates as low as 6.70%
Refinance Your Auto Loan
Lower rates on average than originating dealership financing.
Changes in loan term can help reduce monthly payments.
You aren’t locked in to one auto loan forever, discover the options available when you refinance your loan with us.
Find Your AutoSMART Match!
Browse over 1.6 million vehicles with a powerful search tool.
Compare prices, features, ratings, and local dealerships in one place.
Looking for more options in borrowing? Discover our rewarding Credit Cards.
Platinum
Visa®
Signature Rewards Visa®
We've Been Serving Arizona Since 1955—And We've Built Our Reputation On Doing Right By Our Members.
Join thousands of members who trust us to keep their savings secure and their goals moving forward.
You can manage your account from anywhere.
Our mobile app and online access make it simple to check balances, make payments, and more.
Your money stays close to home.
We offer better rates than most banks.
Being a member comes with perks.
We’ve been serving Arizona since 1955—honestly, respectfully, and with your best interests in mind.
- Federally insured by NCUA
- Local, member-owned and operated
- Top-rated by members for caring service
- Financial guidance you can understand
How Else Can We Help? Let’s Make It Easy.
What Are Members Saying?
Got questions For us?
Disclosures
*Source: America’s Credit Unions Member Benefits Report. Estimated savings in direct financial benefits when compared to Other Arizona Banks.
Rates accurate as of 12/1/2025. Rates are variable and subject to change.
Payment example: A loan of $25,000 for 60 months at 6.85% APR will have a monthly payment of $493.26
All loans subject to approval. Rates based on credit worthiness, loan product, term of loan and age and value of collateral (if applicable). All rates, terms and conditions are subject to change without notice. Certain restrictions may apply. Membership required.
For terms and conditions, see the Truth-In-Lending Terms. Also see the Truth-In-Lending Disclosure.