Low Risk, Guaranteed Returns.

These rates are top of the market. Vantage West Certificates (CDs) offer you the easiest and most secure way to invest to earn higher returns than in a traditional bank savings account. Rates vary depending on the term and balance.

  • Limited time offer on 10- or 15-month CDs. Get our Guaranteed Best Available Rate.
    • If our rates increase within 30 days of opening, we’ll give you the higher rate!3
  • Minimum deposit to open is $500; no maximum
  • Flexible maturity dates: choose terms from 6 to 60 months
  • Dividends compounded every month and at maturity
  • No monthly service fee with eStatements
  • Convenient Online Banking, PhoneBank, and Mobile Banking
  • Insured up to $250,000 by NCUA
Certificate Standard Rate Certificate Relationship Rate1 Jump Up Standard Rate Jump Up Relationship Rate1 IRA Rate
6 Month 4.00% APY 4.26% APY N/A N/A N/A Open Now
10 Month 2 5.00% APY 5.26% APY N/A N/A N/A Open Now
12 Month 4.00% APY 4.26% APY N/A N/A N/A Open Now
15 Month 2 4.75% APY 5.01% APY N/A N/A N/A Open Now
18 Month N/A N/A N/A N/A 5.00% APY ($500 and up) Open Now
24 month 3.75% APY 4.01% APY 3.65% APY 3.91% APY N/A Open Now
36 Month 3.75% APY 4.01% APY 3.60% APY 3.86% APY 4.50% APY ($500 and up) Open Now
60 Month 3.50% APY 3.76% APY N/A N/A N/A Open Now
Last Updated June 1, 2024. 


APY(s) = Annual percentage yield(s) accurate as of June 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. Rates valid until June 30, 2024.

330-day rate adjustment offer only valid on 10-month and 15-month promotional certificates opened on or after September 26, 2023. Eligible Members must contact Vantage West within 30 days of opening their original certificates to request rate adjustment. Rate adjustment will take effect on the requested date and will not be retroactive. Term of certificate will restart on the day of the newly opened certificate. Any dividends earned on the previous certificate will be forfeited. No penalties or fees will be applied upon adjustment. Eligible certificates may only be adjusted once.