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

Current rates for Ventura County Credit Union include: 12-Month CD: 2.75%, Savings: 0.20%

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Ventura County Credit Union

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Ventura County Credit Union Rates & Review May 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 12, 2026

Ventura County Credit Union's 13 Month No Penalty CD rates are at 2.75%. Ventura County Credit Union's savings rates are at 0.20%. MonitorBankRates evaluates the financial stability of Ventura County Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.24%. Rates were last updated on 05/12/2026.

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

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.24%

Excellent Lower than avg

Ventura County Credit Union
Ocean View

2575 Vista Del Mar Dr
Ventura, CA 93001

https://www.vccuonline.net/

Ventura County Credit Union CD Rates

Product	Rate	APY	Term	View More
13 Month No Penalty Certificate	-	2.75%	13
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Ventura County Credit Union Savings Rates

Product	Rate	APY	View More
Holiday Club Savings	-	0.20%
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Ventura County Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
30 Year Fixed - Conforming	-	-	6.50%	30
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
AdvantageLine Loan	-	-	12.45%	Self-replenishing
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Ventura County Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Rewards Credit Card	-	14.20%
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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 175

Part-Time Employees 26

Branch Locations 8

ATM Locations 17

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.24%

Return on Assets (ROA)

0.6690%

Return on Equity (ROE)

6.8052%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

1,432,898,708

Total Amount of Shares and Deposits

1,273,311,451

Total Shares and Deposits < 1 Year

1,223,922,133

Total Shares and Deposits 1 3 Years

39,426,430

Total Shares and Deposits > 3 Years

9,962,889

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

112,163,198

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

112,163,198

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

1,161,148,253

Total Interest Expense (Sum of items 6 8)

14,240,168

Share Certificates

9,207

Number of Accounts for Share Drafts

46,620

IRA KEOGH Accounts

1,859

Number of Accounts for Regular Shares

77,648

Money Market Shares

2,289

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

45,341,065

Total Liabilities

1,301,215,466

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Ventura County Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Ventura County Credit Union

Frequently Asked Questions About Ventura County Credit Union

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/.