--- title: "Regular Savings" description: "Start Saving. Start Belonging. A simple, personal savings account that puts your money to work. With just a $5 deposit, you can open your Personal Savings Account and become a member-owner of Vantage West. You’ll enjoy a savings bank account that’s easy to manage, earns dividends, and connects you to all the benefits of membership. […]" featured_image: "https://vantagewest.org/wp-content/uploads/2025/12/17-scaled.jpg" url: "https://vantagewest.org/personal/personal-savings/regular-savings/" date_modified: "2026-07-06T15:03:32-07:00" --- Home » Personal » Personal Savings » Regular Savings # Start Saving. Start Belonging. ## A simple, personal savings account that puts your money to work. With just a $5 deposit, you can open your Personal Savings Account and become a member-owner of Vantage West. You’ll enjoy a savings bank account that’s easy to manage, earns dividends, and connects you to all the benefits of membership. Because when you thrive, we thrive. [Open Your Account](https://apply.vantagewest.org/account-opening/accounts?accountType=savings&category=general) ![⭐](https://s.w.org/images/core/emoji/16.0.1/svg/2b50.svg) Great Rates Alert! Our Savings Bank Accounts Earn Competitive APY\* *APY\*=Annual Percentage Yield* ![20251012-FUJI5063](https://vantagewest.org/wp-content/uploads/2025/10/20251012-FUJI5063-scaled.jpg) ![20251012-C5D_1786](https://vantagewest.org/wp-content/uploads/2025/10/20251012-C5D_1786-1-scaled.jpg) --- ## Your First Step Toward Financial Confidence Our Regular Savings Account is more than a safe place for your money, it’s the foundation of your membership. Whether you’re starting to save or looking for a dependable account to build from, you’ll gain access to secure, flexible tools that help you move forward with confidence. ### Features & Benefits: - Only $5 to open your personal savings account: begin your membership and start saving right away. - Earn dividends on every dollar you save. - No monthly maintenance fee: your savings should stay yours. - FREE Online, Mobile, and Text access: manage your money anytime, anywhere. - Use for overdraft protection: add peace of mind to your checking account. - Automatic access to full Vantage West membership benefits: better rates, local support, and Arizona-grown service. [Open Your Account](https://apply.vantagewest.org/account-opening/accounts?accountType=savings&category=general) --- ## 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. - Step 4: Accessing your money is always an option. Easy online transfers or ATM withdrawals puts flexibility and control in your hands. ## Anticipate Your Growth Current Regular Savings APY\* Rate: .15% 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. --- *“I have been a member of Vantage West since before they were Vantage West (when they were Saguaro Credit Union). I have always felt like they do a great job serving and representing the community. The banking options (savings, checking, loans, credit cards, and more) are excellent and the employees are always knowledgeable and helpful. I have had far superior experiences with them than I’ve had with national, commercial banks. I highly recommend Vantage West.”* **–Susan T.** --- ## Let's Get Saving! [Open Your Account](https://apply.vantagewest.org/account-opening/accounts?accountType=savings&category=general) --- ## Frequently Asked Questions About Your Personal Savings Account --- Just **$5** opens your account and officially makes you a Vantage West member-owner. **No.** Your Regular Savings Account has no monthly maintenance fees. **Yes.** Every account includes FREE Online Banking, Mobile Banking, Text Banking, and Phonebank access so you can manage your savings from anywhere. **Yes.** Your savings earn dividends, helping your money grow while you stay connected to your financial goals. **Absolutely.** Link your savings to your Vantage West checking account for convenient overdraft protection. --- ## Did You Know? ### Explore the benefits to opening a regular savings account with us --- ![Icon_Savings](https://vantagewest.org/wp-content/uploads/2025/03/Icon_Savings.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_Like](https://vantagewest.org/wp-content/uploads/2025/03/Icon_Like.png) ## Being a member comes with perks. From insurance discounts to loan rate savings—your membership helps you do more with your money. --- ## 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. - Federally insured by NCUA - Local, member-owned and operated - Top-rated by members for caring service - Financial guidance you can understand ## 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 --- Minimum $5.00 to maintain account and membership. Rates subject to change. Rates for Regular Savings are variable and may change after the account is opened. Withdrawals, fees, and other conditions could reduce the earnings on the account. Subject to approval. Certain restrictions may apply. Federally insured by NCUA. Annual Percentage Yields (APY) accurate as of 10/02/2026.