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Advertiser Disclosure
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 Ventura County Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Ventura County Credit Union's Get Fit IRA 1 Year CD rates are at 3.70%, IRA CDs (Fixed Rate) 1 Year CD rates are at 3.60%, 12 month Fixed Rate CDs (Personal and Business) rates are at 3.50%, Get Fit CD 6 Month CD Basic rates are at 3.35%, Get Fit CD 6 Month CD Plus rates are at 3.35%. Ventura County Credit Union's savings rates are at 0.00%. Ventura County Credit Union's money market rates are at 0.10%. Ventura County Credit Union's 15 Year Fixed VA rates are at 5.75%, 5/5 ARM 2/2/5 Jumbo 5 YR Treasury CMT*(2) rates are at 5.88%, 5/5 ARM 2/2/5 High Balance 5 YR Treasury CMT*(2) rates are at 5.88%, 5/5 ARM 2/2/5 Conforming 5 YR Treasury CMT*(2) rates are at 5.88%, 5/5 ARM First-time Homebuyer 100% Program rates are at 5.38%. 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 04/19/2026. 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. Ventura County Credit Union
Ocean View 2575 Vista Del Mar Dr
https://www.vccuonline.net/ Ventura, CA 93001 
Ventura County Credit Union CD Rates
Ventura County Credit Union Savings Rates
Ventura County Credit Union Money Market Rates
Ventura County Credit Union Checking Rates
Ventura County Credit Union Mortgage Rates
Ventura County Credit Union Home Equity & HELOC
Ventura County Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
Frequently Asked Questions About Ventura County Credit UnionIs Ventura County Credit Union a safe place to deposit money?Yes, Ventura County Credit Union is considered a safe financial institution. With a Texas Ratio of 3.2411960565749%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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/. Current Ventura County Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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