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Vantage West Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
Vantage West Credit Union's top rates as of October 10, 2026 are 4.15% APY on its 15 Month Business CDs CD, 0.15% APY on savings, 4.00% APY on money market accounts, 0.05% APY on checking, personal loans from 10.49% APR, and credit cards from 9.49% APR, according to rates verified by MonitorBankRates. Other Vantage West Credit Union CD rates include 15 Month CD at 4.15%, Business 15-Month (Promotional Rate) at 4.15%, and 60 Month CD at 3.80%. MonitorBankRates evaluates the financial stability of Vantage West Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.26%. Rates last updated and verified on 10/10/2026.
Vantage West Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vantage West Credit Union? Share your experience about Vantage West Credit Union by leaving a review below, or read customer reviews before you decide to use Vantage West Credit Union.
Vantage West Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Vantage West Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
5.26%
ExcellentLower than avg
Vantage West Credit Union Texas Ratio
Vantage West Credit Union's Texas Ratio is 5.26%, which is considered excellent and is lower than the national average of 6.13%.
Vantage West Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.84% to 5.26% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Vantage West Credit Union CD Rates
Product
Rate
APY
Term
View More
15 Month CD
-
4.15%
15 month
Min Deposit$500
DetailsPromotional APY. To qualify for the promotional APY, the Certificate must be opened between September 1, 2026, and November 30, 2026, and funded with new money, defined as external funds from accounts other than Vantage West Credit Union or affiliate institutions. The promotional APY is effective as of the date the Certificate is opened and will remain in effect for the full 15-month term, provided the Certificate is maintained in accordance with applicable account disclosures. Additional deposits are not permitted after the Certificate is opened and funded. Early withdrawal penalties apply and may reduce earnings. The maximum deposit for a Certificate opened online is $250,000.00. At maturity, the Certificate will mature according to the option selected. If automatic renewal is elected, the Certificate will renew into a standard 12-month Certificate at the rate in effect at the time of renewal. Vantage West reserves the right to modify or discontinue this promotion at any time without prior notice. Membership required. All accounts are subject to approval, and restrictions may apply. Federally insured by NCUA.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
60 Month CD
-
3.80%
60 Month
DetailsRelationship Rate APY: 4.06%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
36 Month IRA CD
-
3.75%
36 Month
DetailsRelationship Rate APY: N/A
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
36 Month CD
-
3.70%
36 Month
DetailsRelationship Rate APY: 3.96%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
6 Month CD
-
3.70%
6 Month
DetailsRelationship Rate APY: 3.96%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
18 Month IRA CD
-
3.60%
18 Month
DetailsRelationship Rate APY: N/A
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
24 Month CD
-
3.60%
24 Month
DetailsRelationship Rate APY: 3.86%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
36 Month Jump Up CD
-
3.55%
36 Month
DetailsRelationship Rate APY: 3.81%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
12 Month CD
-
3.50%
12 Month
DetailsRelationship Rate APY: 3.76%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
24 Month Jump Up CD
-
3.50%
24 Month
DetailsRelationship Rate APY: 3.76%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union Business CD Rates
Product
Rate
APY
Term
View More
15 Month Business CDs
-
4.15%
15 month
Min Deposit$500
DetailsPromotional APY. To qualify for the promotional APY, the Certificate must be opened between October 2, 2026, and November 30, 2026, and funded with new money, defined as external funds from accounts other than Vantage West Credit Union or affiliate institutions. The promotional APY is effective as of the date the Certificate is opened and will remain in effect for the full 15-month term, provided the Certificate is maintained in accordance with this Addendum and applicable account disclosures. Additional deposits are not permitted after the Certificate is opened and funded. Early withdrawal penalties apply and may reduce earnings. The maximum deposit for a Certificate opened online is $250,000.00. Please refer to the Business Certificate Disclosure provided at account opening for additional terms and conditions. At maturity, the Certificate will mature according to the option selected. If automatic renewal is elected, the Certificate will renew into a standard 12-month Certificate at the rate in effect at the time of renewal. All other terms and conditions are governed by the Business Certificate Disclosure. Vantage West reserves the right to modify or discontinue this promotion at any time without prior notice. Membership required. All accounts are subject to approval, and restrictions may apply. Federally insured by NCUA
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business 15-Month (Promotional Rate)
-
4.15%
15-Month
DetailsAPY* is subject to change. See branch for details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business 60 Month CD
-
3.80%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business 36 Month CD
-
3.70%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business 6 Month CD
-
3.70%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business 24 Month CD
-
3.60%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business 36 Month Jump Up CD
-
3.55%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business 12 Month CD
-
3.50%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business 24 Month Jump Up CD
-
3.50%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union Savings Rates
Product
Rate
APY
View More
Super Saver Kids Club
-
1.00%
Min Balance$5
DetailsBalance: $5.00-$1000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Regular Savings
-
0.15%
Min Balance$5
DetailsBalance: Regular Savings: $5.00 Minimum
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Regular Share Account
-
0.15%
Min Deposit$5
Min Balance$5
DetailsBalance: $5
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Super Saver Kids Club
-
0.10%
Min Balance$1,000
DetailsBalance: $1,000.01 and above
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union Money Market Rates
Product
Rate
APY
View More
Launch Money Market
-
4.00%
Min Balance$0
DetailsBalance: $0 - $1,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
High Yield Money Market Account - Relationship
-
3.26%
Min Balance$125,000
DetailsBalance: $125,000 and up
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.26% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
High Yield Money Market Account - Relationship
-
3.01%
Min Balance$100,000
DetailsBalance: $100,000.00-$124,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.01% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
High Yield Money Market Account
-
3.00%
Min Balance$125,000
DetailsBalance: $125,000 and up
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
High Yield Money Market Account
-
2.75%
Min Balance$100,000
DetailsBalance: $100,000.00-$124,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Launch Money Market
-
2.75%
Min Balance$1,000
DetailsBalance: $1,000.01 - $1,999.99
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 2.75% ▼ 1.25 pts · high 4.00% / low 2.75%
Oct 10, 20262.75%▼ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Launch Money Market
-
1.35%
Min Balance$2,000
DetailsBalance: $2,000.00 - $4,999.99
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 1.35% ▼ 2.65 pts · high 4.00% / low 1.35%
Oct 10, 20261.35%▼ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
High Yield Money Market Account - Relationship
-
0.30%
Min Balance$10,000
DetailsBalance: $10,000-$99,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Launch Money Market
-
0.25%
Min Balance$5,000
DetailsBalance: $5,000.00 - $9,999.99
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 0.25% ▼ 3.75 pts · high 4.00% / low 0.25%
Oct 10, 20260.25%▼ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Launch Money Market
-
0.10%
Min Balance$10,000
DetailsBalance: $10,000.00 - $99,999.99
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 0.10% ▼ 3.90 pts · high 4.00% / low 0.10%
Oct 10, 20260.10%▼ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Launch Money Market
-
0.10%
Min Balance$100,000
DetailsBalance: $100,000.00 and up
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 0.10% ▼ 3.90 pts · high 4.00% / low 0.10%
Oct 10, 20260.10%▼ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
High Yield Money Market Account
-
0.05%
Min Balance$10,000
DetailsBalance: $10,000-$99,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business High Yield Money Market Accounts
-
3.25%
Min Balance$250,000
DetailsBalance: $250,000.00 and up
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business High Yield Money Market Accounts
-
3.00%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business High Yield Money Market Accounts
-
0.10%
Min Balance$10,000
DetailsBalance: $10,000.00 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business High Yield Money Market Accounts
-
0.05%
Min Balance$500
DetailsBalance: $500.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Premier Checking
-
0.05%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business Community Checking
-
0.02%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business Select Checking
-
0.02%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Standard 10/10 HELOC
-
-
6.75%
DetailsRate as low as:
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Standard 10/20 HELOC
-
-
6.75%
DetailsRate as low as:
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto 48 Months
-
-
6.05%
48 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.05% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Auto 60 Months
-
-
6.30%
60 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.30% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
New Auto, RV, or Motorcycle Loans
-
-
6.30%
DetailsFinance up to 100% of your new or used vehicle, including taxes, fees, and add-ons.; Competitive fixed rates.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.30% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Auto 72 Months
-
-
6.65%
72 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.65% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Auto 84 Months
-
-
6.95%
84 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
MOTORCYCLE /ATV 48 Months Loan
-
7.75%
48 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
MOTORCYCLE /ATV 60 Months Loan
-
8.00%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
RV 75 Months Loan
-
8.00%
75 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
MOTORCYCLE /ATV 72 Months Loan
-
8.60%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.60% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
RV 84 Months Loan
-
8.75%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
RV 120 Months Loan
-
9.50%
120 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
RV 144 months Loan
-
10.00%
144 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
MOTORCYCLE /ATV 84 Months Loan
-
10.35%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 10.35% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
RV 180 months Loan
-
10.75%
180 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 10.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Visa
-
9.49%
DetailsPublished APR range: 9.49% - 27.49%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Business Credit Cards
-
15.49%
DetailsRate as low as*
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 15.24% → 15.49% ▲ 0.25 pts · high 15.49% / low 15.24%
Oct 10, 202615.49%▲ from 15.24%
Sep 14, 202615.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Signature Rewards Visa
-
17.49%
DetailsPublished APR range: 17.49% - 29.49%.
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 17.24% → 17.49% ▲ 0.25 pts · high 17.49% / low 17.24%
Oct 10, 202617.49%▲ from 17.24%
Sep 18, 202617.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loans
10.49%
36 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Personal Loans
11.25%
48 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Personal Loans
11.95%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 11.95% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Personal Loans
12.75%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Personal Loans
13.75%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 13.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Signature Rewards Visa
17.49%
DetailsPublished APR range: 17.49% - 29.49%.
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 17.24% → 17.49% ▲ 0.25 pts · high 17.49% / low 17.24%
Oct 10, 202617.49%▲ from 17.24%
Sep 18, 202617.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Vantage West Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
High Yield Money Market
-
-
4.00%
6 months
Min Deposit$10,000
Min Balance$500
DetailsCurrent promo rate as high as 4.00% APY* for 6 months. Keep access to funds while enjoying high returns. Let your savings take off. Big balances get even better rates without locking up your funds. Promotion runs from August 1, 2026, to November 30, 2026. To qualify for the six (6) months promotional 4.00% APY, you must open a new High Yield Money Market (HYMM) using new money (external funds - monies from accounts other than Vantage West or affiliate institutions). After the six (6) month promotional period, the rate will revert to the current standard variable rate offered based on the amount in the account at the time of expiration of the promotional period. The minimum opening deposit for the HYMM is $10,000.00 and must be funded with external funds within ten (10) business days of account opening. Accounts not funded within this timeframe may be closed. The account must maintain a $500.00 minimum balance to remain open. If you do not meet the qualification requirements, the standard dividend rate and APY will apply to your account. This promotion cannot be combined with any other promotional offers, rate enhancements, or relationship pricing. Members must remain in good standing throughout the promotional period to retain eligibility for the promotional rate. Business HYMM accounts are not eligible. Employees and Board Members are not eligible for this promotion. Please see Truth in Savings Bonus Addendum for terms and conditions. Vantage West reserves the right to modify or cancel this promotion at any time without prior notice. Membership Required. All accounts are subject to approval. Certain restrictions may apply. Federally insured by NCUA.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
IRA
-
-
1.15%
Min Balance$50
DetailsBalance: $50.00 - $499.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
IRA
-
-
1.25%
Min Balance$500
DetailsBalance: $500 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
IRA
-
-
1.50%
Min Balance$25,000
DetailsBalance: $25,000 - 74,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
IRA
-
-
1.75%
Min Balance$75,000
DetailsBalance: $75,000 - $124,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
IRA
-
-
2.00%
Min Balance$125,000
DetailsBalance: $125,000 and up
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Premium Share
-
-
0.30%
Min Balance$500
DetailsBalance: Premium Share: $500.00-$9999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Premium Share
-
-
1.50%
Min Balance$10,000
DetailsBalance: Premium Share: $10,000 and up
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Premium Share - Relationship
-
-
1.75%
Min Balance$10,000
DetailsBalance: Premium Share: $10,000 and up
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Premium Share Account
-
-
0.05%
Min Deposit$500
Min Balance$500
DetailsBalance: $500 - $999.99
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Premium Share Account
-
-
0.05%
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Premium Share Account
-
-
2.15%
Min Deposit$10,000
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 2.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Premium Share Account
-
-
2.15%
Min Deposit$25,000
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 2.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Premium Share Account
-
-
2.15%
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $124,999.99
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 2.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Premium Share Account
-
-
2.15%
Min Deposit$125,000
Min Balance$125,000
DetailsBalance: $125,000+
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 2.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.26%
Financial Health History
Vantage West Credit Union’s Texas Ratio rose from 3.84% in Q3 2023 to 5.26% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$3.3B
5.26%
5.0
A+
March 31, 2026
$3.3B
5.29%
5.0
A+
December 31, 2025
$3.4B
6.64%
5.0
A
September 30, 2025
$3.4B
5.69%
5.0
A+
June 30, 2025
$3.2B
5.11%
5.0
A+
March 31, 2025
$3.2B
5.94%
5.0
A+
December 31, 2024
$3.1B
5.53%
5.0
A+
September 30, 2024
$3.1B
4.48%
5.0
A+
June 30, 2024
$3.0B
4.35%
5.0
A+
March 31, 2024
$3.0B
4.40%
5.0
A+
December 31, 2023
$2.9B
4.96%
5.0
A+
September 30, 2023
$2.8B
3.84%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Vantage West Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Vantage West Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Vantage West Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
178,376,971
Total Uninsured Shares and Deposits > $250K (F+J)
178,376,971
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,642,966,372
Total Interest Expense (Sum of items 6 8)
31,272,122
Share Certificates
17,896
Number of Accounts for Share Drafts
118,482
IRA KEOGH Accounts
5,804
Number of Accounts for Regular Shares
230,670
All other shares
2,951
Non Member Deposits
34
Money Market Shares
19,837
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
125,812,955
Total Liabilities
3,027,293,090
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Vantage West Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Vantage West Credit Union
How many branches does Vantage West Credit Union operate?
Vantage West Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Vantage West Credit Union?
Yes, to access services at Vantage West Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Vantage West Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Vantage West Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Vantage West Credit Union offer online and mobile banking?
Most modern institutions like Vantage West Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vantagewest.org.
Current Vantage West Credit Union Rates
12-Month CD3.50%
18-Month CD3.60%
24-Month CD3.50%
60-Month CD3.80%
Savings0.15%
MMA4.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
