Performance Driven Savings
The high yield savings account Arizona members count on for better returns.
Earn up to 3.51% APY* with the Vantage West High Yield Money Market. It’s a high yield savings account Arizona members trust for exceptional rates and everyday access. For those ready to invest $10,000 or more, this account combines competitive earnings with complete flexibility. Your money keeps growing without being locked away.
⭐ Great Rates Promotional Alert! For A Limited Time: High Yield Money Market Earnings of 4.00% APY* on deposits of $10,000 from outside financial institutions1.
APY*=Annual Percentage Yield
High Returns Meet Everyday Flexibility
Features & Benefits:
- Earn up to 3.51% APY* on higher balances.
- $10,000 minimum balance to open and maintain your account.
- Unlimited deposits and withdrawals2 at Vantage West ATMs.
- No monthly service fees with eStatements.
- Qualifying deposits from outside accounts help you earn the promotional rate1.
- Dividends paid monthly so your money works continuously.
- Full access anytime through Online Banking, or Mobile Banking.
- NCUA insured up to $250,000 for guaranteed peace of mind.
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 select your timeframe for savings
- Step 3: Watch your balance grow! Check out our calculator to estimate returns on your investment.
- Step 4: Accessing your money is always an option. Easy online transfers or ATM withdrawals puts flexibility and control in your hands.
| Super Saver for Kids3 | Regular Savings | Premium Savings | High Yield Money Markets | |
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Minimum Opening Deposit |
$5 |
$5 |
$500 |
$10,000 |
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e-Statements |
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Online Banking |
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Available as Overdraft Source |
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Checks Available |
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Yes (up to 6 per month) |
Yes (up to 6 per month)
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Rates (tier 1) |
1% Annual Percentage Yield (APY) (up to $1,000.00) |
.15% Annual Percentage Yield (APY) |
4 Up to 0.30% Annual Percentage Yield (APY) ($500 – $9,999.99) |
4Up to .05% Annual Percentage Yield (APY) ($500 – $99,999.99)
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Rates (tier 2) |
0.10% APY (over $1,000.00) |
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4Up to 1.75% APY ($10,000-$124,999) |
4Up to 3.26% APY ($100,000 – $124,999.99)
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Rates (tier 3) |
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4Up to 1.75% APY ($125,000 and up) |
4Up to 3.51% APY ($125,000.00 and up)
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Rate Promotional |
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4.00% Annual Percentage Yield (APY)* ($10,000 and up) -Outside funds only
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“Vantage West has been a fantastic to bank with. We have our business as well as personal accounts with them and appreciate how absolutely awesome the staff is each time we have the opportunity to see them. I honestly couldn’t recommend a better bank that can meet all your banking needs. We are definitely team Vantage West!!!”
–Alissa O.
Questions About Our High Yield Money Market Account?
What makes this one of the best high yield money market accounts in Arizona?
It offers competitive rates, easy access to your money, and the security of NCUA insurance—all backed by a trusted local credit union.
How much do I need to open the account?
You’ll need a $10,000 minimum balance to open and maintain your High Yield Money Market account.
How can I qualify for the promotional rate?
Deposits qualifying for the promotional rate must come from outside financial institutions.
Are there any fees or withdrawal limits?
There are no monthly fees when you enroll in eStatements and unlimited deposits and withdrawals¹ at Vantage West ATMs.
How can I access and manage my account?
You can manage your account anytime through Online Banking or Mobile App.
Did You Know?
Explore the benefits to opening a high yield money market account with us
You can manage your savings from anywhere.
Your money stays close to home.
We invest in Arizona communities, not Wall Street.
We offer better rates than most banks.
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.
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Disclosures
*APY(s)=Annual Percentage Yield(s) accurate as of 12/1/2025.
1Promotion runs October 1, 2025, to December 31, 2025. To qualify for the six (6) months promotional 4.00% APY, you must open a new High Yield Money Market (HYMM) using new money (external funds – monies from accounts other than Vantage West or affiliate institutions). After the six (6) month promotional period, the rate will revert to the current standard variable rate offered based on amount in account at the time of expiration of promotional period. The minimum opening deposit for the HYMM is $10,000.00. The account must maintain a $500.00 minimum balance to remain open. If you do not meet the qualification requirements, the standard dividend rate and APY will apply to your account. This promotion cannot be combined with any other promotional offers, rate enhancements, or relationship pricing. Members must remain in good standing throughout the promotional period to retain eligibility for the promotional rate. Business HYMM accounts are not eligible. Employees and Board Members are not eligible for this promotion. Please see Truth in Savings Bonus Addendum for terms and conditions. Vantage West reserves the right to modify or cancel this promotion at any time without prior notice. All accounts are subject to approval. Certain restrictions may apply.
2When made at Vantage West ATMs.
3The Annual Percentage Yield will be calculated by applying one or more dividend rates to multiple balance ranges as set forth above. The dividend rate for each balance range will apply to your account balance within each particular deposit balance range and not the entire account balance. When children turn 18, Super Saver accounts will convert to Regular Savings accounts. The Super Saver Account is subject to the same withdrawal and transfer limitations as the Regular Share Account. There is a limit of one (1) Super Saver Account per primary Member.
4Tiered balances earn tiered rates. Rates 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. Relationship Rates, conditions, and benefits are subject to change without notice.
All products and services are subject to approval. Credit Union membership required. Rates subject to change. Rates for Regular Savings, Premium Savings, Super Saver Kids, and High Yield Money Markets are variable and may change after the account is opened. $5 minimum deposit to open and maintain Regular Savings and Super Saver Kids accounts. Premium Savings requires $500 deposit to open and maintain account. The High Yield Money Market requires a $10,000 opening deposit, with a minimum balance of $500 to maintain the account. Subject to change. Certain restrictions may apply. Federally Insured by NCUA.