Credit union · NCUA insured
Vantage West Credit Union Savings Rates
Top CarrotVantage West Credit Union’s best savings rate is 0.15% APY on $10,000, with its Regular Savings. Rates checked October 22, 2026.
How Vantage West Credit Union’s savings 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
4.00%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
High Yield Money Market
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
3rd-highest rate
Western Alliance Bank
3.80%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $380
Vantage West Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0002.75%
- QualifiedQualified4.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Money Market
Up to 4.00%APY
Credit Union membership required. Requires $10,000 opening deposit and $500 minimum balance to maintain the account and remain open. Rates are variable and subject to change. No monthly service fees with eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and up6-month promotional rate. Promotion runs August 1, 2026 to November 30, 2026. Must open new High Yield Money Market using new money (external funds) funded within 10 business days of account opening. Must maintain $500 minimum balance. Reverts to standard variable rate after 6 months. Cannot combine with relationship pricing or other promotions. Employees, Board Members, and Business HYMM accounts not eligible. | 4.00% | $400 | 6-month promotional rate. Promotion runs August 1, 2026 to November 30, 2026. Must open new High Yield Money Market using new money (external funds) funded within 10 business days of account opening. Must maintain $500 minimum balance. Reverts to standard variable rate after 6 months. Cannot combine with relationship pricing or other promotions. Employees, Board Members, and Business HYMM accounts not eligible. |
| $10,000 – $100,000Relationship Rate APY requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. Eligibility reassessed monthly. | 0.30% | $30 | Relationship Rate APY requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. Eligibility reassessed monthly. |
| $10,000 – $100,000Standard rate. Requires $500 minimum balance to maintain account. | 0.05% | $5 | Standard rate. Requires $500 minimum balance to maintain account. |
| $100,000 – $125,000Relationship Rate APY requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. Eligibility reassessed monthly. | 3.01% | — | Relationship Rate APY requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. Eligibility reassessed monthly. |
| $100,000 – $125,000Standard rate. Requires $500 minimum balance to maintain account. | 2.75% | — | Standard rate. Requires $500 minimum balance to maintain account. |
| $125,000 and upRelationship Rate APY requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. Eligibility reassessed monthly. | 3.26% | — | Relationship Rate APY requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. Eligibility reassessed monthly. |
| $125,000 and upStandard rate. Requires $500 minimum balance to maintain account. | 3.00% | — | Standard rate. Requires $500 minimum balance to maintain account. |
Sources (3)
- vantagewest.org/personal/personal-savings
- vantagewest.org/personal/perso…/high-yield-money-market
- vantagewest.org/rates
All captured Oct 3, 2026
Premium Savings
Up to 1.75%APY
Tiered balances earn tiered rates. Variable rates. Minimum of $500 to open and maintain account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000Standard rate. No monthly maintenance fees. | 0.30% | — | Standard rate. No monthly maintenance fees. |
| $10,000 – $124,999Relationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Total monthly direct deposit of at least $750/month to accounts under same Membership, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. | 1.75% | $175 | Relationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Total monthly direct deposit of at least $750/month to accounts under same Membership, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. |
| $10,000 and upStandard non-relationship rate. | 1.50% | $150 | Standard non-relationship rate. |
| $125,000 and upRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Total monthly direct deposit of at least $750/month to accounts under same Membership, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. | 1.75% | — | Relationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Total monthly direct deposit of at least $750/month to accounts under same Membership, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. |
Sources (3)
- vantagewest.org/personal/personal-savings
- vantagewest.org/personal/perso…-savings/premium-savings
- vantagewest.org/rates
All captured Oct 3, 2026
Launch Money Market
1.20%APY on $10,000
Limit one (1) Launch Money Market per member. Credit Union membership required. The Dividend Rate for each balance range applies to balance within that particular deposit balance range. Rates are variable and subject to change.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 4.00% |
| $1,000 – $2,000 | 2.75% |
| $2,000 – $5,000 | 1.35% |
| $5,000 – $10,000 | 0.25% |
| $10,000 – $100,000 | 0.10% |
| $100,000 and up | 0.10% |
On $10,000 the tiers blend to about 1.20% APY, earning $120 a year.
Sources (3)
- vantagewest.org/personal/personal-savings
- vantagewest.org/personal/perso…ings/launch-money-market
- vantagewest.org/rates
All captured Oct 3, 2026
Regular Savings
0.15%APY
Membership required ($5 minimum deposit to open and maintain account). Variable rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upNo monthly maintenance fee. Earns dividends.$5 and up | 0.15% | $15 | No monthly maintenance fee. Earns dividends. |
Sources (3)
- vantagewest.org/personal/personal-savings
- vantagewest.org/personal/perso…-savings/regular-savings
- vantagewest.org/rates
All captured Oct 3, 2026
Special-purpose accounts
Coverdell Education Savings Account (ESA)
1.25%APY
High-yield account set up for saving for higher learning expenses for a designated beneficiary under age 18. Must be set up with legal guardian. Variable rates. Annual contribution limit up to $2,000 per year.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Not eligible for Relationship Rates. | 1.15% | — | Not eligible for Relationship Rates. |
| $500 – $25,000Not eligible for Relationship Rates. | 1.25% | $125 | Not eligible for Relationship Rates. |
| $25,000 – $75,000Not eligible for Relationship Rates. | 1.50% | — | Not eligible for Relationship Rates. |
| $75,000 – $125,000Not eligible for Relationship Rates. | 1.75% | — | Not eligible for Relationship Rates. |
| $125,000 and upNot eligible for Relationship Rates. | 2.00% | — | Not eligible for Relationship Rates. |
Sources (3)
- vantagewest.org/personal/personal-savings
- vantagewest.org/personal/personal-savings/youth-savings
- vantagewest.org/rates
All captured Oct 3, 2026
Individual Retirement Account (IRA) Savings
1.25%APY
Available as Traditional or Roth IRA (also referred to as Premium Share IRA). Variable rates with tiered balances and no annual fees. Not eligible for Relationship Rates.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Not eligible for Relationship Rates. | 1.15% | — | Not eligible for Relationship Rates. |
| $500 – $25,000Not eligible for Relationship Rates. | 1.25% | $125 | Not eligible for Relationship Rates. |
| $25,000 – $75,000Not eligible for Relationship Rates. | 1.50% | — | Not eligible for Relationship Rates. |
| $75,000 – $125,000Not eligible for Relationship Rates. | 1.75% | — | Not eligible for Relationship Rates. |
| $125,000 and upNot eligible for Relationship Rates. | 2.00% | — | Not eligible for Relationship Rates. |
Sources (3)
- vantagewest.org/personal/personal-savings
- vantagewest.org/personal/personal-savings/iras
- vantagewest.org/rates
All captured Oct 3, 2026
Super Saver for Kids
0.10%APY
For minors ages 17 and under. Limit one per primary member. Converts to Regular Savings at age 18. Tiered rate calculated by applying dividend rates to multiple balance ranges. $5 minimum deposit to open and maintain account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier 1 balance range ($5.00 - $1,000.00). Not eligible for Relationship Rates. | 1.00% | — | Tier 1 balance range ($5.00 - $1,000.00). Not eligible for Relationship Rates. |
| Over $1,000Tier 2 balance range (over $1,000.00 / $1,000.01 and above). Not eligible for Relationship Rates. | 0.10% | $10 | Tier 2 balance range (over $1,000.00 / $1,000.01 and above). Not eligible for Relationship Rates. |
Sources (3)
- vantagewest.org/personal/personal-savings
- vantagewest.org/personal/personal-savings/youth-savings
- vantagewest.org/rates
All captured Oct 3, 2026
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.