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Ventura County Credit Union

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Ventura County Credit Union Rates & Review November 2026

Q: What are the current interest rates at Ventura County Credit Union?

Current rates for Ventura County Credit Union include: 12-Month CD: 2.75%, 18-Month CD: 2.75%, 24-Month CD: 2.75%, 60-Month CD: 3.75%, Savings: 0.25%, MMA: 2.25%

Q: What CD terms does Ventura County Credit Union offer?

Ventura County Credit Union CD rates are 4.25% APY for a 6 month CD, 3.75% APY for a 12 month CD, 2.75% APY for an 18 month CD, 2.75% APY for a 2 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Ventura County Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Ventura County Credit Union's Fixed Rate CD - 6 month rates are at 4.25%, Get Fit CD - 6 Month CD Basic rates are at 3.85%, Get Fit CD - 6 Month CD Plus rates are at 3.85%, Fixed Rate CD - 12 month rates are at 3.75%, Fixed Rate CD - 60 month rates are at 3.75%. Ventura County Credit Union's savings rates are at 0.25%. Ventura County Credit Union's money market rates are at 2.25%. Ventura County Credit Union's checking rates are as high as 0.35%. Ventura County Credit Union's 5/6 ARM 2/1/5 Jumbo 30 day avg. SOFR (1) rates are at 6.25%, 5/6 ARM 2/1/5 High Balance Loan 30 day avg. SOFR (1) rates are at 6.25%, 5/6 ARM 2/1/5 Conforming 30 day avg. SOFR (1) rates are at 6.25%, 5/5 ARM 2/2/5 Jumbo 5 YR Treasury CMT (2) rates are at 6.38%, 5/5 ARM 2/2/5 High Balance 5 YR Treasury CMT (2) rates are at 6.38%. Ventura County Credit Union's Personal Loan Rates are as low as 10.70%. Ventura County Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has a B health rating. MonitorBankRates evaluates the financial stability of Ventura County Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.65%. Rates last updated and verified on 10/30/2026.

Ventura County 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 Ventura County Credit Union? Share your experience about Ventura County Credit Union by leaving a review below, or read customer reviews before you decide to use Ventura County Credit Union.

Overall Health & Safety Grade

Solid Health Score: 86/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

19.65%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Ventura County Credit Union
Ocean View

2575 Vista Del Mar Dr
Ventura, CA 93001

https://www.vccuonline.net/

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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.

Ventura County Credit Union CD Rates

Product	Rate	APY	Term
Fixed Rate Certificate - 6 month	4.17%	4.25%	6 Months
Min Balance $1,000 Details Balance: $1,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 30, 20264.25%▲ from 3.75% Oct 19, 20263.75%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 6 month	4.17%	4.25%	6 Months
Min Balance $10,000 Details Balance: $10,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 30, 20264.25%▲ from 3.75% Oct 19, 20263.75%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 6 month	4.17%	4.25%	6 Months
Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 30, 20264.25%▲ from 3.75% Oct 19, 20263.75%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Get Fit IRA 1 Year Certificate	3.88%	3.95%	1 Year
Min Balance $1,000 Details Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Get Fit Certificate - 6 Month Certificate Basic	3.78%	3.85%	6 Months
Min Balance $500 Details Balance: $500; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 8 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Get Fit Certificate - 6 Month Certificate Basic	3.78%	3.85%	6 Months
Min Balance $1,000 Details Balance: $1,000; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 8 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Get Fit Certificate - 6 Month Certificate Plus	3.78%	3.85%	6 Months
Min Balance $2,500 Details Balance: $2,500; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 9 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 1 Year Certificate	3.78%	3.85%	1 Year
Min Balance $1,000 Details Balance: $1,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 1 Year Certificate	3.78%	3.85%	1 Year
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 1 Year Certificate	3.78%	3.85%	1 Year
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 5 Year Certificate	3.78%	3.85%	5 Year
Min Balance $1,000 Details Balance: $1,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 5 Year Certificate	3.78%	3.85%	5 Year
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 5 Year Certificate	3.78%	3.85%	5 Year
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 12 month	3.69%	3.75%	12 Months
Min Balance $1,000 Details Balance: $1,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 12 month	3.69%	3.75%	12 Months
Min Balance $10,000 Details Balance: $10,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 12 month	3.69%	3.75%	12 Months
Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 60 month	3.69%	3.75%	60 Months
Min Balance $1,000 Details Balance: $1,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 60 month	3.69%	3.75%	60 Months
Min Balance $10,000 Details Balance: $10,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 60 month	3.69%	3.75%	60 Months
Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 4 Year Certificate	3.54%	3.60%	4 Year
Min Balance $1,000 Details Balance: $1,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 4 Year Certificate	3.54%	3.60%	4 Year
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 4 Year Certificate	3.54%	3.60%	4 Year
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 48 month	3.448%	3.50%	48 Months
Min Balance $1,000 Details Balance: $1,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 48 month	3.448%	3.50%	48 Months
Min Balance $10,000 Details Balance: $10,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 48 month	3.448%	3.50%	48 Months
Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 3 Year Certificate	3.298%	3.35%	3 Year
Min Balance $1,000 Details Balance: $1,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 3 Year Certificate	3.298%	3.35%	3 Year
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 3 Year Certificate	3.298%	3.35%	3 Year
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 36 month	3.198%	3.25%	36 Months
Min Balance $1,000 Details Balance: $1,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 36 month	3.198%	3.25%	36 Months
Min Balance $10,000 Details Balance: $10,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 36 month	3.198%	3.25%	36 Months
Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 2 Year Certificate	3.058%	3.10%	2 Year
Min Balance $1,000 Details Balance: $1,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.10% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 2 Year Certificate	3.058%	3.10%	2 Year
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.10% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificates (Fixed Rate) - 2 Year Certificate	3.058%	3.10%	2 Year
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.10% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 24 month	2.96%	3.00%	24 Months
Min Balance $1,000 Details Balance: $1,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 24 month	2.96%	3.00%	24 Months
Min Balance $10,000 Details Balance: $10,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Certificate - 24 month	2.96%	3.00%	24 Months
Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
13 Month No Penalty Certificate	2.715%	2.75%	13 months
Min Deposit $1,000 Details Excludes business accounts; Effective October 26, 2026; No early withdrawal penalty; Certificate will revert to 12 month certificate rate/term in effect at maturity Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up Certificate - 18 month	2.715%	2.75%	18 Months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up Certificate - 18 month	2.715%	2.75%	18 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up Certificate - 18 month	2.715%	2.75%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up Certificate - 24 month	2.715%	2.75%	24 Months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up Certificate - 24 month	2.715%	2.75%	24 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up Certificate - 24 month	2.715%	2.75%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up IRA Certificate 18 month	2.715%	2.75%	18 Months
Min Balance $1,000 Details Balance: $1,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up IRA Certificate 18 month	2.715%	2.75%	18 Months
Min Balance $10,000 Details Balance: $10,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up IRA Certificate 18 month	2.715%	2.75%	18 Months
Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up IRA Certificate 24 month	2.715%	2.75%	24 Months
Min Balance $1,000 Details Balance: $1,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up IRA Certificate 24 month	2.715%	2.75%	24 Months
Min Balance $10,000 Details Balance: $10,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Jump Up IRA Certificate 24 month	2.715%	2.75%	24 Months
Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Savings Rates

Product	Rate	APY
Variable Rate Savings	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.20% → 0.25% ▲ 0.05 pts · high 0.25% / low 0.20% Sep 18, 20260.25%▲ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Variable Rate Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 8 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Variable Rate Savings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000/+; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 8 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Holiday Club	0.20%	0.20%
Min Balance $25 Details Effective October 26, 2026; Minimum Deposit: $25/+ Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.20% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Variable Rate Savings	0.20%	0.20%
Details Balance: Up to $1,000; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Get Fit IRA Savings	0.10%	0.10%
Details Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Get Fit Savings Plan	0.10%	0.10%
Details Save with this special savings program. Make automatic deposits until you reach a preset goal then the balance is transferred to a special 6-month Certificate. Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Savings	0.10%	0.10%
Min Balance $25 Details Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Holiday Club	0.00%	0.00%
Min Balance $0 Details Effective October 26, 2026; Minimum Deposit: Up to $25 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.20% APY · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Savings	0.00%	0.00%
Min Balance $0 Details Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Business Savings Rates

Product	Rate	APY
Business Share Account	0.10%	0.10%
Min Balance $25 Details Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Share Account	0.00%	0.00%
Min Balance $0 Details Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Money Market Rates

Product	Rate	APY
Money Market Maximizer	2.23%	2.25%
Min Deposit $25,000 Min Balance $200,000 Details Balance: $200,000/+; Excludes business accounts; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Maximizer	1.74%	1.75%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000/+; Excludes business accounts; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Maximizer	1.09%	1.10%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000/+; Excludes business accounts; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Access	1.00%	1.00%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over; Money Market Access ($500 minimum to open) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Account	-	1.00%
Details As High As; Multi-tier interest rate structure, bigger deposits may earn higher returns; top tier rate only, tier balance bands not shown on page Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Maximizer	1.00%	1.00%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000/+; Excludes business accounts; Effective October 26, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Access	0.90%	0.90%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 and over; Money Market Access ($500 minimum to open) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Access	0.80%	0.80%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 and over; Money Market Access ($500 minimum to open) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Access	0.70%	0.70%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 and over; Money Market Access ($500 minimum to open) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Access	0.60%	0.60%
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 and over; Money Market Access ($500 minimum to open) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Access	0.10%	0.10%
Min Deposit $500 Min Balance $0 Details Balance: Up to $500; Money Market Access ($500 minimum to open) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Access	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Money Market Access	0.90%	0.90%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Money Market Access	0.80%	0.80%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Money Market Access	0.70%	0.70%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Money Market Access	0.60%	0.60%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Money Market Access	0.10%	0.10%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Money Market Access	0.10%	0.10%
Min Deposit $2,500 Min Balance $500 Details Balance: $500 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Checking Rates

Product	Rate	APY
Simply Earn Checking	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000/+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 9 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Simply Earn Checking	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000/+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 9 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Simply Earn Checking	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500/+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Simply Earn Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500/+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Simply Classic Checking	0.00%	0.00%
Details Effective October 26, 2026 Last Updated 10/30/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Simply Earn Checking	0.00%	0.00%
Min Balance $25 Details Balance: $25/+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Simply Essential Checking	0.00%	0.00%
Details Effective October 26, 2026 Last Updated 10/30/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Simply Rewards Checking	0.00%	0.00%
Details Effective October 26, 2026; Monthly service fee waived with $1,500 avg. daily balance, or 8 debit card transactions within a month. No fee will be assessed in the first 30 days of account opening. Last Updated 10/30/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.00%	0.00%
Details Effective October 26, 2026 Last Updated 10/30/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Mortgage Rates

Product	Rate	Points	APR
5/6 ARM 2/1/5 Jumbo 30 day avg. SOFR (1)	6.25%	0.000%	6.414%
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.41% APR · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
5/6 ARM 2/1/5 High Balance Loan 30 day avg. SOFR (1)	6.25%	0.000%	6.42%
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.42% APR · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
5/6 ARM 2/1/5 Conforming 30 day avg. SOFR (1)	6.25%	0.000%	6.451%
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.45% APR · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
5/5 ARM 2/2/5 Jumbo 5 YR Treasury CMT (2)	6.375%	0.000%	6.477%
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 6.48% ▼ 0.27 pts · high 6.75% / low 6.48% Oct 19, 20266.48%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
5/5 ARM 2/2/5 High Balance 5 YR Treasury CMT (2)	6.375%	0.000%	6.483%
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 6.48% ▼ 0.27 pts · high 6.75% / low 6.48% Oct 19, 20266.48%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
5/5 ARM 2/2/5 Conforming 5 YR Treasury CMT (2)	6.375%	0.000%	6.49%
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 6.49% ▼ 0.26 pts · high 6.75% / low 6.49% Oct 19, 20266.49%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
5/5 ARM First-time Homebuyer 100% Program	6.375%	0.000%	6.49%
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.16% → 6.49% ▼ 0.67 pts · high 7.16% / low 6.49% Oct 19, 20266.49%▼ from 7.16% Sep 14, 20267.16%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
7/6 ARM 5/1/5 Jumbo 30 day avg. SOFR (3)	6.75%	0.000%	6.492%
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
7/6 ARM 5/1/5 High Balance 30 day avg. SOFR(3)	6.75%	0.000%	6.652%
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.47% → 6.65% ▲ 0.18 pts · high 6.65% / low 6.47% Oct 19, 20266.65%▲ from 6.47% Sep 14, 20266.47%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
7/6 ARM 5/1/5 Conforming 30 day avg. SOFR (3)	6.75%	0.000%	6.684%
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.68% ▲ 0.18 pts · high 6.68% / low 6.50% Oct 19, 20266.68%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
15 Year Fixed VA	6.515%	0.500	6.75%
Details Effective October 1, 2026; Rate and APR shown as low as Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
30 Year Fixed Conforming VA	7.50%	0.500	7.71%
Details Effective October 1, 2026; Rate and APR shown as low as Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.71% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - Standard HELOC 70% CLTV or less	7.00%	-	7.00%
Details As Low As; Owner Occupied Property; Index: Prime + 0.000%; Est. Payments Per $1,000: $7.07 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Home Equity Line of Credit - Adjustable Rate (Investment Property) - Standard HELOC 60% HCLTV	7.50%	-	7.50%
Details As Low As; Index: Prime + 0.500%; Effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 10, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Home Equity Line of Credit - Standard HELOC 70.01% up to 75% CLTV	7.50%	-	7.50%
Details As Low As; Owner Occupied Property; Index: Prime + 0.500%; Est. Payments Per $1,000: $7.39 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Home Equity Line of Credit - Adjustable Rate (Investment Property) - Standard HELOC 60.01% up to 65% HCLTV	8.00%	-	8.00%
Details As Low As; Index: Prime + 1.000%; Effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 10, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Home Equity Loan - 10 Year Fixed 2nd TD	8.50%	-	8.50%	10 years
Details As Low As; Borrow up to 75% of appraised value for owner occupied property; maximum cash out $350,000; offer does not include refinances of existing VCCU loans; effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Oct 19, 20268.50%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Home Equity Loan - 15 Year Fixed 2nd TD	8.50%	-	8.50%	15 years
Details As Low As; Borrow up to 75% of appraised value for owner occupied property; maximum cash out $350,000; offer does not include refinances of existing VCCU loans; effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Oct 19, 20268.50%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Home Equity Loan - 20 Year Fixed 2nd TD	8.50%	-	8.50%	20 years
Details As Low As; Borrow up to 75% of appraised value for owner occupied property; maximum cash out $350,000; offer does not include refinances of existing VCCU loans; effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Oct 19, 20268.50%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car, Truck, SUV and Van Loan - New and Used Vehicles	-	-	4.75%	Up to 36 months
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.75% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Car, Truck, SUV and Van Loan - New and Used Vehicles	-	-	5.49%	Up to 60 months
Details As Low As; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Auto Loan - New and Used Vehicles	-	-	6.99%	Up to 60 months
Details As Low As; APR* (as low as); Effective October 1, 2026; Up to 120% Auto Loan Financing (Based on Creditworthiness) Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Auto Loan - New and Used Vehicles	-	-	7.04%	Up to 48 months
Details As Low As; APR* (as low as); Effective October 1, 2026; Up to 120% Auto Loan Financing (Based on Creditworthiness) Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.04% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
First Time Auto Buyer Program - New and Used Vehicles - Up to 48 months	-	-	8.74%	Up to 48 months
Details As Low As; Effective October 1, 2026; Up to 100% Financing for First Time Auto Buyers (Based on Creditworthiness); Monthly payment per $1,000 borrowed for a 48-month term at 8.74% APR: $24.76 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.74% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
First Time Auto Buyer Program Loan	-	-	8.74%	48 months
Details Up to 100% Financing for First Time Auto Buyers (Based on Creditworthiness); Longer terms available on qualifying loans Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 8.74% APR · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
First Time Auto Buyer Program - New and Used Vehicles - Up to 60 months	-	-	8.99%	Up to 60 months
Details As Low As; Effective October 1, 2026; Up to 100% Financing for First Time Auto Buyers (Based on Creditworthiness); Monthly payment per $1,000 borrowed for a 60-month term at 8.99% APR: $20.75 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.99% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
First Time Auto Buyer Program Loan	-	-	8.99%	60 months
Details Up to 100% Financing for First Time Auto Buyers (Based on Creditworthiness); Longer terms available on qualifying loans Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 8.99% APR · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATV, Jet Ski and Dirt Bike Loan - Up to 48 months	-	7.00%	Up to 48 months
Details As Low As; New or Used; Up to 100% ATV, Jet Ski and Dirt Bike Loan Financing (Based on Creditworthiness); Monthly payment per $1,000 borrowed for a 72-month term at 7.25% APR: $17.17 (page example for another term) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Boat Loan	-	7.00%	Up to 48 months
Details As Low As; Type: New or Used; Up to 100% Financing (Based on Creditworthiness); Longer terms available for new boat loans over $50,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
RV, Travel Trailer or 5th Wheel Loan - Up to 48 months	-	7.00%	Up to 48 months
Details As Low As; Type: New or Used; Up to 100% Financing (Based on Creditworthiness); Shorter terms available on qualifying loans Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Motorcycle Loan - New and Used Motorcycle	-	7.24%	Up to 60 months
Details APR* (as low as); Up to 100% Motorcycle Loan Financing (Based on Creditworthiness); Monthly payment per $1,000 borrowed for a 60-month term at 7.24% APR: $19.91; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ATV, Jet Ski and Dirt Bike Loan - Up to 72 months	-	7.25%	Up to 72 months
Details As Low As; New or Used; Up to 100% ATV, Jet Ski and Dirt Bike Loan Financing (Based on Creditworthiness); Monthly payment per $1,000 borrowed for a 72-month term at 7.25% APR: $17.17 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Boat Loan	-	7.25%	Up to 72 months
Details As Low As; Type: New or Used; Up to 100% Financing (Based on Creditworthiness); Longer terms available for new boat loans over $50,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 7.25% APR · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
RV, Travel Trailer or 5th Wheel Loan - Up to 72 months	-	7.25%	Up to 72 months
Details As Low As; Type: New or Used; Up to 100% Financing (Based on Creditworthiness); Shorter terms available on qualifying loans; Monthly payment per $1,000 borrowed for a 72-month term at 7.25% APR: $17.17 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ATV, Jet Ski and Dirt Bike Loan - Up to 120 months	-	7.50%	Up to 120 months
Details As Low As; New or Used; Up to 100% ATV, Jet Ski and Dirt Bike Loan Financing (Based on Creditworthiness) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Boat Loan	-	7.50%	Up to 120 months
Details As Low As; Type: New or Used; Up to 100% Financing (Based on Creditworthiness); Longer terms available for new boat loans over $50,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
RV, Travel Trailer or 5th Wheel Loan - Up to 120 months	-	7.50%	Up to 120 months
Details As Low As; Type: New or Used; Up to 100% Financing (Based on Creditworthiness); Shorter terms available on qualifying loans Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Motorcycle Loan - New and Used Motorcycle	-	7.99%	Up to 84 months
Details APR* (as low as); Up to 100% Motorcycle Loan Financing (Based on Creditworthiness); Monthly payment per $1,000 borrowed for a 84-month term at 7.99% APR: $20.27; Effective October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature/Lifestyle Loan	10.70%	Up to 60 months
Details As Low As; APR* (as low as); Effective October 1, 2026; Monthly payment per $1,000 borrowed for a 60-month term at 10.70% APR: $21.59 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.70% APR · checked 10 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
AdvantageLine Loan	-	-	12.70%
Details As Low As; Self-replenishing; Up to $30,000 cash at a reasonable rate or use as overdraft protection for checking; Minimum payment will be 3.00% of the outstanding balance or $25.00, whichever is greater; Effective October 1, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 12.45% → 12.70% ▲ 0.25 pts · high 12.70% / low 12.45% Oct 10, 202612.70%▲ from 12.45% Sep 22, 202612.45%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Alternative Fixed Rate Loans - 10 Year Conforming	6.75%	0.00%	6.945%	10 Year
Details Effective October 1, 2026; Rate (as low as) 6.750%; APR (as low as) 6.945% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.95% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Alternative Fixed Rate Loans - 20 Year Conforming	7.25%	0.00%	7.584%	20 Year
Details Effective October 1, 2026; Rate (as low as) 7.250%; APR (as low as) 7.584% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.58% APR · checked 3 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Loans - 15 Year Conforming	6.515%	0.00%	6.75%
Details As Low As; Effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Loans - 15 Year High Balance	7.375%	0.00%	7.527%
Details As Low As; Effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.53% APR · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Loans - 30 Year Conforming	7.125%	0.00%	7.244%
Details As Low As; Effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.24% APR · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Loans - 30 Year High Balance	7.50%	0.00%	7.813%
Details As Low As; Effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.81% APR · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Fixed Rate Loans - 30 Year Non-Conforming	7.375%	0.00%	7.458%
Details As Low As; Effective October 22, 2026 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.46% APR · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Platinum Loan	-	-	12.45%
Details As Low As; Effective October 1, 2026; APR will vary with the market based on the Prime Rate plus margin Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.45% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Platinum Rewards Loan	-	-	14.45%
Details As Low As; Effective October 1, 2026; APR will vary with the market based on the Prime Rate plus margin Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 14.45% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Technology Loan - Computers, Printers, Televisions, Mobile Phones	-	-	7.00%	Up to 18 months
Details As Low As; Minimum loan amount $500; maximum loan amount $5,000; Monthly payment per $1,000 borrowed for a 18-month term at 7.00% APR: $58.68 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Technology Loan - Software	-	-	9.00%	Up to 36 months
Details As Low As; Minimum loan amount $500; maximum loan amount $5,000; Monthly payment per $1,000 borrowed for a 36-month term at 9.00% APR: $31.80 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.00% APR · checked 4 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

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

Ventura County Credit Union’s Texas Ratio rose from 2.69% in Q3 2023 to 19.65% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.6 and its Health Grade from A+ to B. 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	$1.5B	19.65%	4.6	B
March 31, 2026	$1.5B	6.19%	5.0	A
December 31, 2025	$1.4B	11.40%	5.0	A
September 30, 2025	$1.4B	2.96%	5.0	A+
June 30, 2025	$1.4B	12.34%	5.0	A
March 31, 2025	$1.4B	8.80%	5.0	A
December 31, 2024	$1.4B	3.22%	5.0	A+
September 30, 2024	$1.4B	6.08%	5.0	A
June 30, 2024	$1.4B	2.26%	5.0	A+
March 31, 2024	$1.4B	7.74%	5.0	A
December 31, 2023	$1.4B	2.84%	5.0	A+
September 30, 2023	$1.3B	2.69%	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 Ventura County 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 Ventura County 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 Ventura County Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ventura County Credit Union

Website https://www.vccuonline.net/

Address 2575 Vista Del Mar Dr, Ventura, CA 93001

Phone 805-477-4000

Fax 805-339-4226

President Margo Byrne

CEO Linda Rossi

Full-Time Employees 181

Part-Time Employees 26

Branch Locations 8

ATM Locations 8

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

Financials

MonitorBankRates Star Rating

4.6 / 5.0 ★

Overall Health & Safety Grade

B (86/100)

Texas Ratio

19.65%

Return on Assets (ROA)

0.6046%

Return on Equity (ROE)

5.9638%

Non-Performing Loans Ratio (NPL)

3.17%

Total Assets

1,473,219,602

Total Amount of Shares and Deposits

1,301,290,507

Total Shares and Deposits < 1 Year

1,254,521,469

Total Shares and Deposits 1 3 Years

38,564,112

Total Shares and Deposits > 3 Years

8,204,928

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

123,458,660

Total Uninsured Shares and Deposits > $250K (F+J)

123,458,660

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,177,831,847

Total Interest Expense (Sum of items 6 8)

8,479,081

Share Certificates

9,067

Number of Accounts for Share Drafts

47,564

IRA KEOGH Accounts

1,815

Number of Accounts for Regular Shares

78,676

Money Market Shares

2,254

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)

68,024,844

Total Liabilities

1,329,365,325

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Ventura County Credit Union

Does Ventura County Credit Union offer CDs?

Yes. Ventura County Credit Union current CD rates include its Fixed Rate CD - 6 month at 4.25% APY, its Get Fit CD - 6 Month CD Basic at 3.85% APY and its Get Fit CD - 6 Month CD Plus at 3.85% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Ventura County Credit Union NCUA insured?

Yes. Ventura County Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Ventura County Credit Union?

The highest Ventura County Credit Union CD rate is its Fixed Rate CD - 6 month at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Ventura County Credit Union offer?

Ventura County Credit Union CD rates are 4.25% APY for a 6 month CD, 3.75% APY for a 12 month CD, 2.75% APY for an 18 month CD, 2.75% APY for a 2 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Ventura County Credit Union for its full lineup.

What is the highest savings rate at Ventura County Credit Union?

The highest Ventura County Credit Union savings rate is its Variable Rate Savings at 0.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Ventura County Credit Union?

The highest Ventura County Credit Union money market rate is its Money Market Maximizer at 2.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Ventura County Credit Union?

The highest Ventura County Credit Union checking rate is its Simply Earn Checking at 0.35% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Ventura County Credit Union?

The lowest Ventura County Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Conforming VA at 7.50%, verified by MonitorBankRates as of October 30, 2026. Ventura County Credit Union mortgage rates are 7.50% for a 30 year mortgage, 6.515% for a 15 year mortgage, 6.25% for a 5/6 ARM, 6.375% for a 5/5 ARM and 6.75% for a 7/6 ARM.

What is the lowest auto loan rate at Ventura County Credit Union?

The lowest Ventura County Credit Union auto loan rate is its Car, Truck, SUV and Van Loan - New and Used Vehicles at 4.75% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Ventura County Credit Union?

The lowest Ventura County Credit Union personal loan rate is its Signature/Lifestyle Loan at 10.70% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Ventura County Credit Union operate?

Ventura County 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 Ventura County Credit Union?

Yes, to access services at Ventura County 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, Ventura County 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, Ventura County Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Ventura County Credit Union offer online and mobile banking?

Most modern institutions like Ventura County 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.vccuonline.net/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Ventura County Credit Union rates compare?

Ventura County Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has a B health rating. Ventura County Credit Union's top rates are its Fixed Rate CD - 6 month at 4.25% APY, its Variable Rate Savings at 0.25% APY, its Money Market Maximizer at 2.25% APY, its Simply Earn Checking at 0.35% APY, its 5/6 ARM 2/1/5 Jumbo 30 day avg. SOFR (1) at 6.25% and its Signature/Lifestyle Loan at 10.70% APR, verified by MonitorBankRates on October 30, 2026.

Current Ventura County Credit Union Rates

12-Month CD2.75%
18-Month CD2.75%
24-Month CD2.75%
60-Month CD3.75%
Savings0.25%
MMA2.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Ventura County Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ventura County Credit Union Texas Ratio

Ventura County Credit Union Health Trend

Ventura County Credit Union CD Rates

Ventura County Credit Union Savings Rates

Ventura County Credit Union Business Savings Rates

Ventura County Credit Union Money Market Rates

Ventura County Credit Union Business Money Market Rates

Ventura County Credit Union Checking Rates

Ventura County Credit Union Business Checking Rates

Ventura County Credit Union Mortgage Rates

Ventura County Credit Union Home Equity & HELOC

Ventura County Credit Union Auto Loan Rates

Ventura County Credit Union RV, Boat and Powersport Loan Rates

Ventura County Credit Union Personal Loan Rates

Ventura County Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Ventura County Credit Union

Does Ventura County Credit Union offer CDs?

Are CDs from Ventura County Credit Union NCUA insured?

What is the highest CD rate at Ventura County Credit Union?

What CD terms does Ventura County Credit Union offer?

What is the highest savings rate at Ventura County Credit Union?

What is the highest money market rate at Ventura County Credit Union?

What is the highest checking rate at Ventura County Credit Union?

What is the lowest 30 year fixed mortgage rate at Ventura County Credit Union?

What is the lowest auto loan rate at Ventura County Credit Union?

What is the lowest personal loan rate at Ventura County Credit Union?

How many branches does Ventura County Credit Union operate?

Is a member application needed to join Ventura County Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ventura County Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Ventura County Credit Union rates compare?

Current Ventura County Credit Union Rates

Compare to Other Credit Unions