Featured Savings Rates
Featured Accounts

Vantage West Credit Union

Popular Accounts at this Credit Union

1.70%5-year CD60 Month Share Certificate
0.80%1-year CD10 Month eShare Certificate
0.10%SavingsRegular Savings

Overview / Commentary
2480 N Arcadia Ave
Tucson, AZ 85712-5735

Vantage West Credit Union is headquartered in Tucson and is the 3rd largest credit union in the state of Arizona. It is also the 136th largest credit union in the nation. It was established in 1955 and as of December of 2015, it had grown to 423 employees and 136,233 members at 18 locations. Vantage West Credit Union's savings rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership eligibility to join the Vantage West Credit Union of Arizona is open to the businesses, residents, church members, registered students, community volunteers, and the people that maintain employment within these qualified counties and geographic locations: the 'Copper Basin' area, the community and/or region that is inclusive of the entire Gila River Indian Reservation, and the counties of Pima, Pinal, Cochise, and Maricopa. Membership eligibility also extends to include the majority of the current and/or retired military employees or affiliated employees; including the relevant civilians, dependants, veteran and/or trainees that are assigned to Davis-Monthan Air Force Base or within its direct area, credit union member dominated and/or affiliated groups, companies, organiztions, and associations, and the family members of the current credit union members.
See current membership details

Related Posts

Vantage West CU Offers "Sweet Deal" 25-month CD - 10/12/2015

Vantage West CU (AZ) has a 25-month Share Certificate (1.50% APY). Minimum deposit is $1K of new money, with no balance cap. A variety of specials/promos also available.

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Reviews (7)

Love the customer service

I've been with vantage west for about 3 years now and probably will be for years to come. The products and pricing are really good and they recently started adding things like discounts on car insurance for being a member. The people are always really nice and my husband and I really like the credit card that we have through them. My only real complaint is that the mobile app is slow to update and on sunday it removes all the previous cleared/clearing. So it makes seeing where we are financially on the go a pain. Oh and they use to have coinstar type machine in the bank that was free for members but they took it out, I really liked it but it's not a big deal.

IRA Rates High And NCUA Coverage Means Preservation Of Capital.

I found their IRA rates for Premium Share accounts to be very attractive. My wife had been a customer for over 25 years. I met with a VantageWest customer service rep to set up the transfer of an existing traditional IRA from another financial institution. Only time will tell if their service is good; however, the experience was professional. The rep was highly competent and their webite appears to be good and very easily navigated. I plan to have my wife move her traditional IRA from another financial institution at the earliest next convenience. So, to that extent, I recommend AdvantageWest. Their business longevity speaks for itself. 

This Bank Is Out For Itself

I have a auto loan through Vantage West and I got injuried on the job a month ago.  I called the credit union to see if I could work out an arragement to either suspend payments for a couple months or pay the interest only for a couple months while I was out of work.  I advised them that I had proof from my doctor about my extensive injury and I would be happy to provide them with the proof.  After they took my information about my payments and income I was advised that, "it doesn't appear that you will be able to make your payment even in three months so it doesn't do us any good to help you now".  I was shocked!!  I told the financial person that he couldn't tell what would happen in three months any more than I could.  I told him that I would be happy to pay the interest so they were at least getting that and I again was told that, "it doesn't do us any good to get that if you can't pay the full amount in three months".  So...basically Vantage West would rather get NOTHING from you and take your vehicle back then attempt to help you and get money while you are in trouble.  By the way...for the record...I work at a job that serves the communtiy and make 20 plus dollars a hour....so...I would have been able to make my payment when I went back to work full time. I wouldn't use Vantage West for ANYTHING...they don't care about making money...so much as screwing you over when you need help.  Reminds me of the mortage companies and the problems people are having with keeping their homes.

Customer Service Is Horrible

Posted by: Roy | Sep 29, 2012

Due to the guy, Shawn, at the front desk of VW on Speedway and Wilmot, I will be changing banks. He is rude, degrading and condescending to customers. I would love to by-pass him but he's on such an ego trip he makes you jump through hoops before you can get them done. Even if you have an appointment with someone else, he will make your life miserable because he thinks he can get away with it. I have yet to understand why Shawn is behind that desk! He is anything but helpful.

Very Negative Experience

Posted by: xcj1028 | Jan 5, 2013

I purchased a new vehicle last summer and Vantage West had the most competitive rate. So far it has been a nightmare with this lender. - Very difficult to make payments. VW doesn't accept online payments for auto loans from any bank but their own. I attempted to mail a check but it was returned to sender with no explanation. Pay by phone works but you are charged a fee and it takes days to process. I was offered to go to numerous shared branches however after visiting three locations payment was not accepted (even in cash). - Customer Service is horrible. I attempted to contact customer service to assist with payment methods. I was told I could log in online to set up automatic payments. This sounded like a good solution to make sure this lender would accept my money. When I could not find anything to online I called again. I was told they could not assist me and I would need to visit a branch. I asked for a manager and was transferred. The manager told me it was my responsibility to figure out how to pay my bill. I was then directed to go to a different credit union...another shared branch...and as for help from a different bank. I own my home and this is my third vehicle. I've never made a late payment and still haven't with Vantage West, but it shouldn't take a week to pay a bill. The only way I found to pay the bill is call about a week before the due date and pay a fee for them to take my money. I'm in the process of trying to refinance just to get away from Vantage West.

Overdraft Fees

Posted by: LISA505 | Oct 18, 2012

Vantage west takes advantage of their customers with the extremely high fees for over draft. they charge you $32.00 on a $4.00 over draft.. I know it was my own fault for not having enough to cover the $4.00 debit trans. however thats a total of 8 times the amount I was overdrafted. Thats just wrong..  they also attach fees on fees. I guess they have to make there money some how..

Don't Bank Here

Posted by: Anonymous | Apr 8, 2011

You ever see their commercials on TV? Maybe the one where the pretty lady says she loves "no transfer fees". It's a lie! They charge 6.00 every time they transfer funds from your savings to checking account. Worse yet, don't trust their "Scheduled transfer" system. You set the date, they decide the time of day they're going to make the transfer. I setup a scheduled transfer, knowing I would be out of town, and my bills were due to be paid from my checking account. They paid all of my bills first, making individual transfers from the savings account (a 6.00 charge for each one), then finally the scheduled transfer was completed leaving my savings account close to 1000.00 less than it should have been. They refused to remove the transfer fees. I'm already changing Credit Unions.


Health Grade Components

NCUA #68558
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD6.72%
Annual Interest Income$68.2MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$1.58B$1.42B
LoansQ4 2015vs Q4 2014$1.42B$1.25B
DepositsQ4 2015vs Q4 2014$1.38B$1.19B
Equity CapitalQ4 2015vs Q4 2014$183.1MM$170.3MM
Loan Loss AllowanceQ4 2015vs Q4 2014$14.9MM$14.1MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$13.4MM$12.5MM
Real Estate OwnedQ4 2015vs Q4 2014$2.8MM$145.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vantage West Credit Union Savings Account Rates

1.75%*$125k*-Premium Shares IRA
OTHER TIERS: 0.60% $50 - $500 | 1.60% $500 - $25k | 1.65% $25k - $75k | 1.70% $75k - $125k
0.20%*$125k*-Premium Share Savings
OTHER TIERS: 0.01% $500 - $10k | 0.15% $10k - $125k
0.20%*$125k*-Business Premium Share
OTHER TIERS: 0.01% $500 - $10k | 0.15% $10k - $125k
0.10%*$5k*-Regular Savings
OTHER TIERS: 0.05% Up to $5k
0.10%*$5k*-Business Regular Share
OTHER TIERS: 0.05% Up to $5k

Vantage West Credit Union Money Market Rates

0.75%*$125k*-High Yield Money Market Account
OTHER TIERS: 0.05% $500 - $100k | 0.50% $100k - $125k
0.75%*$125k*-Business High Yield Money Market
OTHER TIERS: 0.05% $500 - $100k | 0.50% $100k - $125k

Vantage West Credit Union Checking Account Rates

0.10%--Business Premier Checking
0.05%$20-Premium Checking
0.05%--Business Select Checking
0.05%--Business Community Checking

Vantage West Credit Union CD Rates

1.70%*$250k*-60 Month Share Certificate
OTHER TIERS: 1.58% $1k - $10k | 1.61% $10k - $25k | 1.64% $25k - $75k | 1.67% $75k - $250k
1.70%*$250k*-Business 60 Month Share Certificate
OTHER TIERS: 1.58% $1k - $10k | 1.61% $10k - $25k | 1.64% $25k - $75k | 1.67% $75k - $250k
1.45%*$250k*-48 Month Share Certificate
OTHER TIERS: 1.33% $1k - $10k | 1.36% $10k - $25k | 1.39% $25k - $75k | 1.42% $75k - $250k
1.45%*$250k*-Business 48 Month Share Certificate
OTHER TIERS: 1.33% $1k - $10k | 1.36% $10k - $25k | 1.39% $25k - $75k | 1.42% $75k - $250k
1.30%*$250k*-36 Month Share Certificate
OTHER TIERS: 1.18% $1k - $10k | 1.21% $10k - $25k | 1.24% $25k - $75k | 1.27% $75k - $250k
1.30%*$250k*-Business 36 Months Share Certificate
OTHER TIERS: 1.18% $1k - $10k | 1.21% $10k - $25k | 1.24% $25k - $75k | 1.27% $75k - $250k
1.15%*$250k*-36 Month Jump-up Share Certificate
OTHER TIERS: 1.03% $1k - $10k | 1.06% $10k - $25k | 1.09% $25k - $75k | 1.12% $75k - $250k
1.15%*$250k*-Business 36 Month Jump-up Share Certificate
OTHER TIERS: 1.03% $1k - $10k | 1.06% $10k - $25k | 1.09% $25k - $75k | 1.12% $75k - $250k
1.00%*$250k*-24 Month Share Certificate
OTHER TIERS: 0.88% $1k - $10k | 0.91% $10k - $25k | 0.94% $25k - $75k | 0.97% $75k - $250k
1.00%*$250k*-Business 24 Month Share Certificate
OTHER TIERS: 0.88% $1k - $10k | 0.91% $10k - $25k | 0.94% $25k - $75k | 0.97% $75k - $250k
0.90%*$250k*-24 Month Jump-Up Share Certificate
OTHER TIERS: 0.78% $1k - $10k | 0.81% $10k - $25k | 0.84% $25k - $75k | 0.87% $75k - $250k
0.90%*$250k*-Business 24 Month Jump-Up Share Certificate
OTHER TIERS: 0.78% $1k - $10k | 0.81% $10k - $25k | 0.84% $25k - $75k | 0.87% $75k - $250k
0.85%*$250k*-12 Month Share Certificate
OTHER TIERS: 0.73% $1k - $10k | 0.76% $10k - $25k | 0.79% $25k - $75k | 0.82% $75k - $250k
0.85%*$250k*-18 Month Share Certificate
OTHER TIERS: 0.73% $1k - $10k | 0.76% $10k - $25k | 0.79% $25k - $75k | 0.82% $75k - $250k
0.85%*$250k*-Business 12 Month Share Certificate
OTHER TIERS: 0.73% $1k - $10k | 0.76% $10k - $25k | 0.79% $25k - $75k | 0.82% $75k - $250k
0.85%*$250k*-Business 18 Month Share Certificate
OTHER TIERS: 0.73% $1k - $10k | 0.76% $10k - $25k | 0.79% $25k - $75k | 0.82% $75k - $250k
0.80%$1k-10 Month eShare Certificate
0.80%*$250k*-18 Month Jump-Up Share Certificate
OTHER TIERS: 0.68% $1k - $10k | 0.71% $10k - $25k | 0.74% $25k - $75k | 0.77% $75k - $250k
0.80%*$250k*-Business 18 Month Jump-Up Share Certificate
OTHER TIERS: 0.68% $1k - $10k | 0.71% $10k - $25k | 0.74% $25k - $75k | 0.77% $75k - $250k
0.80%$1k-15 Month eShare Certificate
0.40%*$250k*-6 Month Share Certificate
OTHER TIERS: 0.28% $1k - $10k | 0.31% $10k - $25k | 0.34% $25k - $75k | 0.37% $75k - $250k
0.40%*$250k*-Business 6 Month Share Certificate
OTHER TIERS: 0.28% $1k - $10k | 0.31% $10k - $25k | 0.34% $25k - $75k | 0.37% $75k - $250k
0.35%$1k-5 Month eShare Certificate

Vantage West Credit Union IRA Rates

1.90%*$250k*-36 Month Share Certificate IRA
OTHER TIERS: 1.78% $1k - $25k | 1.81% $25k - $75k | 1.84% $75k - $125k | 1.87% $125k - $250k
1.20%*$250k*-18 mo Share Certificate IRA
OTHER TIERS: 1.08% $1k - $25k | 1.11% $25k - $75k | 1.14% $75k - $125k | 1.17% $125k - $250k

Vantage West Credit Union has 18 locations. Click to view all Vantage West Credit Union locations.