Credit union · NCUA insured
Vantage West Credit Union CD Rates
Top CarrotVantage West Credit Union’s best CD rate is 4.15% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Vantage West Credit Union’s CD rates compare
Compared with banks and credit unions near Tucson, AZ, where Vantage West Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vantage West Credit Union
4.15%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $521
15-Month Online-Exclusive CD
Top rate
Academy Bank
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
ICCU
4.30%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,343
Vantage West Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Vantage West Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
15-Month Online-Exclusive CD
4.15%APY · 1 term
Must be opened between September 1, 2026, and November 30, 2026, and funded with new money (external funds from accounts other than Vantage West Credit Union or affiliate institutions). Not eligible for relationship dividend rates. Minimum opening deposit $500; maximum deposit $250,000 for accounts opened online. Additional deposits not permitted after opening. If automatic renewal is elected, renews into a standard 12-month Certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsPromotional rate valid for accounts opened between September 1, 2026, and November 30, 2026, funded with external new money. Maximum deposit $250,000 for online opening. No relationship dividend rate applicable. Monthly fee waived with eStatements | 4.15% | $521 |
Sources (3)
- vantagewest.org/personal/personal-savings
- vantagewest.org/personal/personal-savings/cds
- vantagewest.org/rates
All captured Oct 15, 2026
Certificates (CD)
Up to 4.06%APY · 5 terms
Minimum opening deposit of $500. Early withdrawal penalties apply and may reduce earnings. Membership required. No monthly service fees when enrolled in eStatements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements | 3.96% | $196 |
| 6 monthsStandard rate. Monthly fee waived with eStatements | 3.70% | $183 |
| 12 monthsRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements | 3.76% | $376 |
| 12 monthsStandard rate. Monthly fee waived with eStatements | 3.50% | $350 |
| 24 monthsRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements | 3.86% | $787 |
| 24 monthsStandard rate. Monthly fee waived with eStatements | 3.60% | $733 |
| 36 monthsRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements | 3.96% | $1,236 |
| 36 monthsStandard rate. Monthly fee waived with eStatements | 3.70% | $1,152 |
| 60 monthsRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements | 4.06% | $2,202 |
| 60 monthsStandard rate. Monthly fee waived with eStatements | 3.80% | $2,050 |
Sources (3)
- vantagewest.org/personal/personal-savings
- vantagewest.org/personal/personal-savings/cds
- vantagewest.org/rates
All captured Oct 15, 2026
Jump Up CD
Up to 3.81%APY · 2 terms
Allows jumping up to a higher rate once during the certificate's term. Minimum opening deposit of $500. Early withdrawal penalties apply and may reduce earnings. Membership required. No monthly service fees when enrolled in eStatements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements | 3.76% | $766 |
| 24 monthsStandard rate. Can jump up to a higher rate once during certificate term. Monthly fee waived with eStatements | 3.50% | $712 |
| 36 monthsRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements | 3.81% | $1,187 |
| 36 monthsStandard rate. Can jump up to a higher rate once during certificate term. Monthly fee waived with eStatements | 3.55% | $1,103 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate (CD)
Up to 3.75%APY · 2 terms
Available as Traditional or Roth IRA certificates. Fixed rates for 18-month or 36-month terms. Minimum opening deposit of $500. Not eligible for Relationship Rates. Automatic rollover at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsAvailable as Traditional or Roth IRA. Not eligible for Relationship Rates. No annual fee | 3.60% | $545 |
| 36 monthsAvailable as Traditional or Roth IRA. Not eligible for Relationship Rates. No annual fee | 3.75% | $1,168 |
Who can join Vantage West Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Arizona residents qualify for membership.
Employers and groups
- Employees of partner companies qualify for membership.
Cost to join
- Opening an account requires a $5 deposit.
Membership information collected October 4, 2026.