Relationship Rates

Federally insured by NCUA

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.

  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

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.

View Relationship Rates below:

Premium Share Account

Premium Savings Minimum Opening Deposit Standard Rate Relationship Rate
Tier 1 ($500 – $9,999.99) $500 0.05% APY .30% APY
Tier 2 ($10,000-$124,999) $500 1.50% APY 1.75% APY
Tier 3 ($125,000) and up $500 1.50% APY 1.75% APY
Last Updated December 1, 2024. 

High Yield Money Market

Minimum Opening Deposit Standard Rate Relationship Rate
Tier 1 ($500 – $99,999.99) $10,000 0.05% APY 0.30% APY
Tier 2 ($100,000 – $124,999.99) $10,000 3.00% APY 3.26% APY
Tier 3 ($125,000.00 and up) $10,000 3.25% APY 3.51% APY
Last Updated December 1, 2024. 

Share Certificates (CDs)

Certificate Standard Rate Certificate Relationship Rate1 Jump Up Standard Rate Jump Up Relationship 1
6 month 4.00% APY 4.26% APY N/A N/A
12 month 4.00% APY 4.26% APY N/A N/A
24 month 3.75% APY 4.01% APY 3.65% APY 3.91% APY
36 month 3.75% APY 4.01% APY 3.60% APY 3.86% APY
60 month 3.50% APY 3.76% APY N/A N/A
Last Updated December 1, 2024. 
Disclosures

APY(s) = Annual percentage yield(s) accurate as of December 1, 2024. Membership Required. Offer subject to change without notice. Subject to approval. Certain restrictions may apply. Certificates earn dividends. Minimum opening deposit of $500. Fees may reduce earnings on these account(s). Early withdrawal penalties may apply. 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.

1Business Accounts and IRA CDs are not eligible for Relationship Rates. Eligibility requirements are:  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. Relationship Rates, conditions, and benefits are subject to change without notice. Rates for new/renewing/converting CDs will be based upon the account’s Relationship eligibility as of the prior night. Federally insured by NCUA.

2Upon maturity, certificates will roll over into 12-month certificates at prevailing rate.