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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.
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Federally insured by NCUA

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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
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Savings Accounts

Federally insured by NCUA

Premium Savings

Earn dividends on tiered rates, starting with a minimum balance of $500. Perfect for those able to invest greater balances. Includes all the perks of a Regular Savings account, plus the ability to write up to 6 checks per month.

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Regular Savings

Our basic savings account, offering competitive dividend rates and no monthly service fee with eStatements. Start and maintain an account for as little as $5. A Regular Savings account includes FREE Online Banking, Phonebank, Mobile and Text Banking. You can also use the account for overdraft protection.

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Launch Money Market

Astronomical returns on small balances to help fuel your savings journey. Launch Money Market pays a premium dividend rate on low balances. As balances grow, you’ll continue to earn a competitive blended rate. Best for balances of $5,000 or less.

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Additional Savings Accounts

If you already have an account and want to add more saving power, this is the place to do that. Start and maintain an additional savings account for as little as $5. Simply select “I am an existing Vantage West Credit Union Member” on the next page to get started.

OPEN

High Yield Money Markets

For those able to invest amounts of $10,000 or more, High Yield Money Market accounts offer the security of Share Certificates but with convenient access to your money. Enjoy unlimited deposits and withdrawals1 when made at Vantage West ATMs and immediate access to your funds and regular dividends.

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Certificates (CDs)

Vantage West Certificates (CDs) provide a secure investment and returns far superior to a savings account. We offer certificates (CDs) that range in terms from 6 to 60 months and require a minimum deposit of $500 with no maximum.

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Jump-Up Certificates

If the rate goes up, you go with it. You can jump up to a higher rate once during the certificate’s term. This type of account is a secure way to invest for a specified term and achieve higher earnings than you would in a savings account.

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IRAs & IRA Certificates (CDs)

Vantage West IRAs and IRA Certificate (CD) accounts give you a safe way to save for retirement while providing you with potential tax benefits. We offer both Premium Share IRAs and IRA certificates (CDs) as either Traditional or Roth featuring specific tax advantages. Learn the differences between a Traditional and Roth IRA to find out which is right for you.

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Super Saver Club For Kids

Help your child learn to save early. When the account is opened, the child will receive:

  • A coloring book that promotes good financial habits
  • A slinky
  • A savings chart (to help track savings)
  • With each deposit, an “I’m a Super Saver” sticker
Open

Saving for College

Need some help financing your education? Learn about Individual Development Accounts (IDAs) from our nonprofit partner, Earn to Learn, or an ESA Coverdell Education Savings Account.

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Account Features Super Saver for Kids2 Regular Savings Premium Savings High Yield Money Markets
Minimum Opening Deposit $5 $5 $500 $10,000
e-Statements
Online Banking
Available as Overdraft Source

Checks Available

Yes (up to 6 per month) Yes (up to 6 per month)
Rates (tier 1) 1.00% Annual Percentage Yield (APY) (up to $1,000.00) 0.15% Annual Percentage Yield (APY) 3 Up to 0.30% Annual Percentage Yield (APY) ($500 - $9,999.99) 3Up to 0.30% Annual Percentage Yield (APY) ($500 - $99,999.99)
Rates (tier 2) 0.10% APY (over $1,000.00)
3Up to 1.75% APY ($10,000-$124,999) 3Up to 3.26% APY ($100,000 - $124,999.99)
Rates (tier 3)

3Up to 1.75% APY ($125,000 and up) 3Up to 3.51% APY ($125,000.00 and up)
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Last Updated December 1, 2024. 

Disclosures
Subject to approval. Early withdrawal penalties may apply. 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. Minimum opening deposit of $1,000 required for share certificates. Minimum deposit of $10,000 to open High Yield Money Market. Certain restrictions may apply. Fees and other conditions could reduce the earnings on the account. Federally insured by NCUA. Annual Percentage Yields (APY) accurate as of October 1, 2024.

1When made at Vantage West ATMs.
2The 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.

3 Tiered 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. Business Accounts and IRA CDs are not eligible for Relationship Rates.

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.

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