Rates
Discover the current rates across the Vantage West suite of Personal and Business Savings and Lending products.
Relationship Rates
Relationship Rates gives eligible Members the opportunity to earn higher rates on qualifying consumer accounts. Relationship Rates are one way we invest our profits back into our Membership.
Qualifying is as simple as 1, 2, 3.
- Have a qualifying open Vantage West consumer checking account
- Have a total monthly direct deposit of at least $750/month to accounts under the same Membership account
- Keep an aggregate loan and/or deposit balance of at least $10,000 in the same Membership account
When you meet all three conditions you will automatically earn the Relationship Rates on the following qualifying consumer accounts:
- New or Renewing Share Certificates (CDs)
- Premium Share (PSA)
- High Yield Money Market (HYMM)
It is as simple and rewarding as that! There is no need to enroll or take any additional steps to qualify. Your PSA and HYMM accounts will be reassessed at the end of each month to verify eligibility for Relationship Rates. Your Share CD(s) will qualify for Relationship Rates for the entire term, if they meet qualifying criteria. Your statement will reflect when you are earning Relationship Rates.
Personal Savings
Savings for Consumers
| Savings Account Type. Balance Tiers. | APY* | Relationship Rate APY* |
|---|---|---|
|
Regular Savings: $5.00 Minimum |
.15% |
N/A |
|
Premium Share: $500.00-$9999.99 |
.05% |
0.30% |
|
Premium Share: $10,000 and up
|
1.5% |
1.75% |
| Term. $500 Minimum Balance. | APY* | Relationship Rate APY* |
|---|---|---|
|
6 Month CD |
3.75% |
4.01% |
|
12 Month CD |
3.50% |
3.76%
|
|
24 Month CD
|
3.25% |
3.51% |
|
36 Month CD
|
3.25% |
3.51%
|
|
60 Month CD
|
3.00% |
3.26% |
|
24 Month Jump Up CD |
3.15% |
3.41% |
|
36 Month Jump Up CD |
3.10% |
3.36% |
|
18 Month IRA CD |
3.50% |
N/A |
|
36 Month IRA CD |
3.25% |
N/A |
Premium Share IRA: Traditional, Roth, and Coverdell Education
Savings for Your Strong Future
| Term. $500 Minimum Balance. | APY* | Relationship Rate APY* |
|---|---|---|
|
$50.00 – $499.99 |
1.15% |
N/A |
|
$500 – $24,999.99 |
1.25% |
N/A |
|
$25,000 – 74,999.99
|
1.50% |
N/A |
|
$75,000 – $124,999.99
|
1.75% |
N/A |
|
$125,000 and up
|
2.00% |
N/A |
| Tiered Balance. Minimum Deposit $10,000. | APY* | Relationship Rate APY* |
|---|---|---|
|
$10,000-$99,999.99 |
0.05% |
0.30% |
|
$100,000.00-$124,999.99 |
3.26% |
3.76%
|
|
$125,000 and up
|
3.25% |
3.51% |
|
Promotional Rate: $10,000 and up
|
4.00% |
N/A |
Auto Loans
From new Auto, RV, Mortorcycle & ATV to Refinancing-we’ve got you covered.
| Vehicle/Loan Type | APR* |
|---|---|
|
Auto 48 Months |
5.80% |
|
Auto 60 Months |
6.05% |
|
Auto 72 Months
|
6.40% |
|
Auto 84 Months
|
6.70% |
|
RV 75 Months
|
8.25% |
|
RV 84 Months |
9.00% |
|
RV 120 Months |
9.75% |
|
RV 144 months |
10.25% |
|
RV 180 months |
11.00% |
|
MOTORCYCLE /ATV 48 Months |
8.00% |
|
MOTORCYCLE /ATV 60 Months |
8.25% |
|
MOTORCYCLE /ATV 72 Months |
8.85% |
|
MOTORCYCLE /ATV 84 Months |
10.60% |
*APR(s)=Annual Percentage Rate(s) accurate as of 12/1/2025. The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated monthly
Visa® Credit Cards
Flexible credit options, benefits, and credit building all-in-one.
| Card Type | APR* |
|---|---|
|
Platinum Visa® Card |
9.49% |
|
Signature Visa® Card |
17.49% |
*APR(s)=Annual Percentage Rate(s) accurate as of 12/1/2025 and based on Prime Rate. The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on credit history and underwriting criteria. Minimum credit limit is $1,000. Max rate is 29.99%. Rates updated monthly.
| Loan Term. Minimum $1000, Maximum $50,000 | APR* |
|---|---|
|
36 Months |
10.74% |
|
48 Months |
11.50% |
|
60 Months
|
12.20% |
|
72 Months
|
13.00% |
|
84 Months
|
14.00% |
*APR(s)=Annual Percentage Rate(s) accurate as of 12/1/2025. The annual percentage rates (APR) listed are our best rates. Your rate may vary based on credit history, and underwriting criteria. Rates updated monthly
Business Savings & Lending Rates
Discover current rates for Vantage West Business Accounts
| Checking Account Type. No Minimum Balance. | APY* |
|---|---|
|
Select Checking |
0.02% |
|
Premier Checking |
0.05% |
|
Community Checking |
0.02% |
|
IOLTA |
2.15% |
*APY(s)=Annual Percentage Yield(s) accurate as of 12/1/2025. No Minimum Balance.
Business Savings: Regular & Premium Share Accounts
Savings for Businesses.
| Savings Account Type & Balance Tiers | APY* |
|---|---|
|
Regular Share Account: $5 |
.15% |
|
Premium Share Account: $500 – $999.99 |
0.05% |
|
Premium Share Account: $1,000 – $9,999.99 |
0.05% |
|
Premium Share Account: $10,000 – $24,999.99 |
2.15% |
|
Premium Share Account: $25,000 – $99,999.99 |
2.15% |
|
Premium Share Account: $100,000 – $124,999.99 |
2.15% |
|
Premium Share Account: $125,000+ |
2.15% |
Business Savings: High Yield Money Market
Savings for Businesses.
Business Savings: Certificates of Deposit (CDs)
Savings for Businesses.
| Term. $500 Minimum Balance. | APY* |
|---|---|
|
6 Month CD |
3.75% |
|
12 Month CD |
3.50% |
|
24 Month CD
|
3.25%
|
|
36 Month CD
|
3.25%
|
|
60 Month CD
|
3.00% |
|
24 Month Jump Up CD |
3.15% |
|
36 Month Jump Up CD |
3.10% |
Business Lending: Visa® Business Credit Card
Flexibility & Secure Line of Funding
Ready to Grow With Arizona’s Leading Credit Union?
Whether you’re opening your first account or financing your next expansion, Vantage West delivers competitive rates, fast local decisions, and guidance that keeps your business moving forward.
Disclosures
APY(s)=Annual Percentage Yield(s). All deposit products and services are subject to approval. Programs, rates, restrictions, terms and conditions apply and are subject to change at any time. 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. Tiered balances earn tiered rates. Traditional and Roth IRA rates are variable and subject to change. Share Certificates earn dividends and earn a fixed rate. Certificate minimum opening deposit of $500. Early withdrawal penalties may apply. Early withdrawals, fees, and other conditions could reduce the earnings on the account. Certain restrictions may apply. Credit Union Membership required. Federally Insured by NCUA.
Some 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.
Auto loan rates posted are the best rate offered, for that specific term, for each vehicle type. All vehicle loans are subject to approval. Minimum auto loan amount is $5,000. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. All rates, programs, restrictions, terms and conditions are subject to change without notice. Certain restrictions may apply. Membership required.
Payment example: A loan of $25,000 for 60 months at 6.85% APR will have a monthly payment of $493.26
Credit Card type and APR are based on creditworthiness and underwriting criteria. Rates for the Platinum Visa range from 9.49% APR to 27.49% APR. Rates for the Signature Visa range from 17.49% APR to 29.49% APR. Rates are variable and are subject to change based on Prime Rate. Minimum credit line is $1,000. All loans are subject to credit approval. All rates, programs, restrictions, terms and conditions are subject to change without notice. Membership required. Certain restrictions may apply.
Signature Loan rates posted are the best rate offered for the term listed. Rates based on credit worthiness and underwriting criteria. All Signature Loans are subject to approval. Minimum Signature Loan amount is $1,000. Max Term is 84 Months. Rates based on credit worthiness. All rates, programs, restrictions, terms and conditions are subject to change without notice. Certain restrictions may apply. Membership required.
Payment example: a loan of $10,000 for 24 months at 15.00% APR will have a monthly payment of $484.87.
For loan terms and conditions, see the Truth-In-Lending Terms. Also see the Truth-In-Lending Disclosure.