What are the current interest rates at Vantage West Credit Union?

Current rates for Vantage West Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.60%, 24-Month CD: 3.50%, 60-Month CD: 3.80%, Savings: 0.15%, MMA: 4.00%

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Vantage West Credit Union

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Vantage West Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.26%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Vantage West Credit Union
Corporate Headquarters

2480 N Arcadia Ave
Tucson, AZ 85712-5735

https://www.vantagewest.org

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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
15 Month CD	-	4.15%	15 month
Min Deposit $500 Details Promotional 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 Updated 10/10/2026 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
Details Relationship Rate APY: 4.06% Last Updated 10/10/2026 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
Details Relationship Rate APY: N/A Last Updated 10/10/2026 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
Details Relationship Rate APY: 3.96% Last Updated 10/10/2026 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
Details Relationship Rate APY: 3.96% Last Updated 10/10/2026 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
Details Relationship Rate APY: N/A Last Updated 10/10/2026 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
Details Relationship Rate APY: 3.86% Last Updated 10/10/2026 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
Details Relationship Rate APY: 3.81% Last Updated 10/10/2026 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
Details Relationship Rate APY: 3.76% Last Updated 10/10/2026 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
Details Relationship Rate APY: 3.76% Last Updated 10/10/2026 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
15 Month Business CDs	-	4.15%	15 month
Min Deposit $500 Details Promotional 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 Updated 10/10/2026 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
Details APY* is subject to change. See branch for details. Last Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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
Super Saver Kids Club	-	1.00%
Min Balance $5 Details Balance: $5.00-$1000.00 Last Updated 10/10/2026 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 Details Balance: Regular Savings: $5.00 Minimum Last Updated 10/10/2026 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 Details Balance: $5 Last Updated 10/10/2026 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 Details Balance: $1,000.01 and above Last Updated 10/10/2026 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
Launch Money Market	-	4.00%
Min Balance $0 Details Balance: $0 - $1,000.00 Last Updated 10/10/2026 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 Details Balance: $125,000 and up Last Updated 10/10/2026 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 Details Balance: $100,000.00-$124,999.99 Last Updated 10/10/2026 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 Details Balance: $125,000 and up Last Updated 10/10/2026 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 Details Balance: $100,000.00-$124,999.99 Last Updated 10/10/2026 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 Details Balance: $1,000.01 - $1,999.99 Last Updated 10/10/2026 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 Details Balance: $2,000.00 - $4,999.99 Last Updated 10/10/2026 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 Details Balance: $10,000-$99,999.99 Last Updated 10/10/2026 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 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/10/2026 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 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/10/2026 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 Details Balance: $100,000.00 and up Last Updated 10/10/2026 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 Details Balance: $10,000-$99,999.99 Last Updated 10/10/2026 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
Business High Yield Money Market Accounts	-	3.25%
Min Balance $250,000 Details Balance: $250,000.00 and up Last Updated 10/10/2026 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 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/10/2026 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 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/10/2026 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 Details Balance: $500.00 - $9,999.99 Last Updated 10/10/2026 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
Business Premier Checking	-	0.05%
No additional details. Last Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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
Standard 10/10 HELOC	-	-	6.75%
Details Rate as low as: Last Updated 10/10/2026 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%
Details Rate as low as: Last Updated 10/10/2026 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
Auto 48 Months	-	-	6.05%	48 months
No additional details. Last Updated 10/10/2026 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 Updated 10/10/2026 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%
Details Finance up to 100% of your new or used vehicle, including taxes, fees, and add-ons.; Competitive fixed rates. Last Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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
MOTORCYCLE /ATV 48 Months Loan	-	7.75%	48 Months
No additional details. Last Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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
Platinum Visa	-	9.49%
Details Published APR range: 9.49% - 27.49%. Last Updated 10/10/2026 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%
Details Rate as low as* Last Updated 10/10/2026 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%
Details Published APR range: 17.49% - 29.49%. Last Updated 10/10/2026 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
Personal Loans	10.49%	36 Months
No additional details. Last Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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 Updated 10/10/2026 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%
Details Published APR range: 17.49% - 29.49%. Last Updated 10/10/2026 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
High Yield Money Market	-	-	4.00%	6 months
Min Deposit $10,000 Min Balance $500 Details Current 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 Updated 10/10/2026 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 Details Balance: $50.00 - $499.99 Last Updated 10/10/2026 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 Details Balance: $500 - $24,999.99 Last Updated 10/10/2026 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 Details Balance: $25,000 - 74,999.99 Last Updated 10/10/2026 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 Details Balance: $75,000 - $124,999.99 Last Updated 10/10/2026 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 Details Balance: $125,000 and up Last Updated 10/10/2026 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 Details Balance: Premium Share: $500.00-$9999.99 Last Updated 10/10/2026 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 Details Balance: Premium Share: $10,000 and up Last Updated 10/10/2026 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 Details Balance: Premium Share: $10,000 and up Last Updated 10/10/2026 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 Details Balance: $500 - $999.99 Last Updated 10/10/2026 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 Details Balance: $1,000 - $9,999.99 Last Updated 10/10/2026 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 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 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 Details Balance: $25,000 - $99,999.99 Last Updated 10/10/2026 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 Details Balance: $100,000 - $124,999.99 Last Updated 10/10/2026 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 Details Balance: $125,000+ Last Updated 10/10/2026 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%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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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.

Credit Union Profile & Overview

Credit Union Name Vantage West Credit Union

Website https://www.vantagewest.org

Address 2480 N Arcadia Ave, Tucson, AZ 85712-5735

Phone 520-298-7882

Fax

President Manuel Lucero

CEO Sandra Sagehorn-Elliott

Full-Time Employees 488

Part-Time Employees 11

Branch Locations 19

ATM Locations 18

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.26%

Return on Assets (ROA)

0.3881%

Return on Equity (ROE)

3.7596%

Non-Performing Loans Ratio (NPL)

0.84%

Total Assets

3,336,309,495

Total Amount of Shares and Deposits

2,821,343,343

Total Shares and Deposits < 1 Year

2,724,480,276

Total Shares and Deposits 1 3 Years

91,518,136

Total Shares and Deposits > 3 Years

5,344,933

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

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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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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.

Compare to Other Credit Unions

Vantage West Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Vantage West Credit Union Texas Ratio

Vantage West Credit Union Health Trend

Vantage West Credit Union CD Rates

Vantage West Credit Union Business CD Rates

Vantage West Credit Union Savings Rates

Vantage West Credit Union Money Market Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Vantage West Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Vantage West Credit Union

How many branches does Vantage West Credit Union operate?

Is a member application needed to join Vantage West Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Vantage West Credit Union offer online and mobile banking?

Current Vantage West Credit Union Rates

Compare to Other Credit Unions