--- title: "CDs" description: "Lock In Steady Growth with Competitive Certificate Deposit (CD) Rates Secure, high interest CD accounts designed to grow your savings faster. Vantage West Certificates offer guaranteed returns that outperform standard savings accounts—giving you peace of mind and a higher earning potential. With flexible terms, competitive credit union certificate rates, and the security of NCUA insurance, […]" featured_image: "https://vantagewest.org/wp-content/uploads/2025/12/17-scaled.jpg" url: "https://vantagewest.org/personal/personal-savings/cds/" date_modified: "2026-10-05T10:23:14-07:00" --- Home » Personal » Personal Savings » CDs # Lock In Steady Growth with Competitive Certificate Deposit (CD) Rates ### Secure, high interest CD accounts designed to grow your savings faster. Vantage West Certificates offer guaranteed returns that outperform standard savings accounts—giving you peace of mind and a higher earning potential. With flexible terms, competitive credit union certificate rates, and the security of NCUA insurance, your investment stays protected while it grows. [Open Your Account](https://apply.vantagewest.org/account-opening/accounts?accountType=certificate&category=general) ⭐ Earn More – CDs with **[Competitive Rates](#cd-rates)** ![Happy disabled businessman using smart phone while working at home.](https://vantagewest.org/wp-content/uploads/2025/08/AdobeStock_330038922.jpeg) ![ClayLyonPhoto_VW111625-110](https://vantagewest.org/wp-content/uploads/2025/11/ClayLyonPhoto_VW111625-110-scaled.jpg) --- [Open Account](https://go.vantagewest.org/online-exclusive-15-mo-cd?utm_source=website&utm_medium=savings-banner&utm_campaign=50454561-15MOCD26) ## Earn 4.15% APY** with our 15-Month CD. A fixed rate. Predictable growth. A simple online application. --- ## Stronger Returns. Lower Risk. More Control. Whether you’re saving for retirement, college, or a major life goal, a Vantage West Certificate lets you earn more on your money without taking on unnecessary risk. Choose the term that fits your timeline, from 6 to 60 months, and enjoy competitive dividend rates that grow with your balance. ### Features & Benefits: - Top-of-market credit union certificate rates that outperform traditional savings. - Low risk, guaranteed returns with insured deposits up to $250,000 by the NCUA. - Flexible terms: choose from 6 to 60 months to match your savings goals. - Minimum deposit of just $500: no maximum limit. - Dividends compounded monthly and paid at maturity for steady growth. - Jump Up You can jump up to a higher rate once during the certificate’s term. - No monthly service fees when you enroll in eStatements. - Convenient Online, Mobile access to track your investment anytime. --- ## How It Works - Step 1: Open your account online or at a local Vantage West branch. - Step 2: Make a one-time initial deposit and/or set up your direct deposit amount to be automatically transferred into this savings account. - Step 3: Watch your balance grow! Check out our calculator to estimate returns on your investment. ## Anticipate Your Growth Current CD Relationship Rate1 APY* as high as: 3.96%. See full rates chart below. Initial deposit * APY (Annual Percentage Yield) Term * Term Type Years Months Interest Earned $ Total Balance $ Interest earned $ {calculation-1} Total balance ${calculation-2} Submit APY(s) = Annual percentage yield(s) accurate as of 10/02/2026. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide financial advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from our qualified Financial Coaches regarding all personal finance questions. **** **** | Term. $500 Minimum Balance. | APY* | Relationship Rate APY* | | --- | --- | --- | | 6 Month CD | 3.70% | 3.96% | | 12 Month CD | 3.50% | 3.76% | | 24 Month CD | 3.60% | 3.86% | | 36 Month CD | 3.70% | 3.96% | | 60 Month CD | 3.80% | 4.06% | | 24 Month Jump Up CD | 3.50% | 3.76% | | 36 Month Jump Up CD | 3.55% | 3.81% | | 18 Month IRA CD | 3.60% | | | 36 Month IRA CD | 3.75% | | | 15-Month (Promotional Rate)** | 4.15% | | *APY(s)=Annual Percentage Yield(s) accurate as of 10/02/2026. Your rate will vary depending on the balance. Early Withdrawal penalties may apply.  **External accounts only. $500 min deposit. --- “Easily the best bank in town! There are plenty of banks around, but none like Vantage West. Thank you for always providing outstanding service.” **–Roberto A.** --- ## Let's Grow Your Balance! [Open Your Account](https://apply.vantagewest.org/account-opening/accounts?accountType=certificate&category=general) --- ## Questions About Our Certificate Accounts? --- Certificates offer guaranteed, higher interest earnings with less risk than market-based investments. You’ll lock in a fixed rate for a specific term, giving you reliable growth. Choose from terms ranging from 6 to 60 months, depending on how long you’d like to keep your money invested. You can open a certificate with a minimum deposit of $500. There’s no maximum limit. Dividends are compounded every month and at maturity, so your earnings keep building throughout your term. Yes. All Vantage West Certificates are federally insured up to $250,000 by the NCUA, ensuring your investment remains secure. --- ## Did You Know? ### Explore the benefits of a Certificate of Deposit (CD) --- ![Icon_Mobile](https://vantagewest.org/wp-content/uploads/2025/03/Icon_Mobile.png) ## You can manage your savings from anywhere. Online banking and mobile apps make it simple to check balances, transfer money, and more. --- ![Icon_Home](https://vantagewest.org/wp-content/uploads/2025/03/Icon_Home.png) ## Your money stays close to home. We invest in Arizona communities, not Wall Street. --- ![Icon_Chart](https://vantagewest.org/wp-content/uploads/2025/03/Icon_Chart.png) ## We offer better rates than most banks. That means more money in your pocket, just for saving smart. --- ![Icon_Approval](https://vantagewest.org/wp-content/uploads/2025/03/Icon_Approval.png) ## Being a member comes with perks. From insurance discounts to loan rate savings: your membership helps you do more with your money. --- - Federally insured by NCUA - Local, member-owned and operated - Top-rated by members for caring service - Financial guidance you can understand --- ## We’ve been serving Arizona since 1955—honestly, respectfully, and with your best interests in mind. Join thousands of members who trust us to keep their savings safe and their goals growing. ## LOOKING FOR SAVINGS SOLUTIONS WITH MORE GREAT RATES? [VIEW SAVINGS OPTIONS](https://vantagewest.org/personal/personal-savings/) --- ### How Else Can We Help? Let’s Make It Easy. ## Want to talk in person? Find a branch near you — we’d love to see you. ## What Are Members Saying? Check out how we’ve helped members like you in our Community & Member Stories. [Member Stories](/knowledge-center/member-stories/) ## Got questions For us? Visit the Knowledge Center for helpful answers on saving, budgeting, and more. [Knowledge Center](/knowledge-center/) --- ## Disclosures --- **The promotional Annual Percentage Yield (“APY”) for this Certificate is 4.15% APY for a 15-month term. This Certificate does not qualify for the relationship dividend rate. To qualify for the promotional APY, the Certificate must be opened between September 1, 2026, and November 30, 2026, and funded with new money, defined as external funds from accounts other than Vantage West Credit Union or affiliate institutions. The promotional APY is effective as of the date the Certificate is opened and will remain in effect for the full 15-month term, provided the Certificate is maintained in accordance with applicable account disclosures. The minimum opening deposit is $500.00. Additional deposits are not permitted after the Certificate is opened and funded. Early withdrawal penalties apply and may reduce earnings. The maximum deposit for a Certificate opened online is $250,000.00. At maturity, the Certificate will mature according to the option selected. If automatic renewal is elected, the Certificate will renew into a standard 12-month Certificate at the rate in effect at the time of renewal. Vantage West reserves the right to modify or discontinue this promotion at any time without prior notice. Membership required. All accounts are subject to approval, and restrictions may apply. Federally insured by NCUA. 1Rates shown are based on Relationship Rates which have the following eligibility requirements: 1. Have a qualifying open Vantage West consumer checking account, 2. Have a total monthly direct deposit of at least $750/month to accounts under the same Membership account 3. Keep an aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Accounts that do not meet the eligibility requirements receive a lower APY. Rates for new/renewing/converting CDs will be based upon the account’s Relationship eligibility as of the prior night. Business Accounts and IRA CDs are not eligible for Relationship Rates. Relationship Rates, conditions, and benefits are subject to change without notice. Federally insured by NCUA. APY(s) = Annual percentage yield(s) accurate as of 10/02/2026. Certificates earn dividends. Minimum opening deposit of $500. Early withdrawal penalties may apply. Early withdrawals, fees, and other conditions could reduce the earnings on these account(s). If the account has not yet earned enough dividends, or if the dividends have already been paid, the early withdrawal penalty will be deducted from the principal. Credit union membership required.   Any offers are subject to change without notice. Subject to approval. Certain restrictions may apply.