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: 0.10%, MMA: 0.10%

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Ventura County Credit Union

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Ventura County Credit Union Rates & Review September 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 and Verified: September 22, 2026

Ventura County Credit Union's 6 Month Business Fixed Rate CD rates are at 4.00%, Get Fit IRA 1 Year CD rates are at 3.95%, Get Fit CD - 6 Month CD Basic rates are at 3.85%, Get Fit CD - 6 Month CD Plus rates are at 3.85%, IRA CDs (Fixed Rate) - 1 Year CD rates are at 3.85%. Ventura County Credit Union's savings rates are at 0.10%. Ventura County Credit Union's money market rates are at 0.10%. Ventura County Credit Union's 30 Year Fixed - Conforming rates are at 7.24%. Ventura County Credit Union's Personal Loan Rates are as low as 10.70%. 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 6.19%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.19%

Excellent 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/

Ventura County Credit Union CD Rates

Product	Rate	APY	Term
6 Month Business Fixed Rate Certificate	3.93%	4.00%	6 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
6 Month Business Fixed Rate Certificate	3.93%	4.00%	6 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
6 Month Business Fixed Rate Certificate	3.93%	4.00%	6 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Get Fit IRA 1 Year Certificate	3.88%	3.95%	1 Year
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Get Fit Certificate - 6 Month Certificate Basic	3.78%	3.85%	6 Month
Min Balance $500 Details Balance: $500 - $999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Get Fit Certificate - 6 Month Certificate Basic	3.78%	3.85%	6 Month
Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Get Fit Certificate - 6 Month Certificate Plus	3.78%	3.85%	6 Month
Min Balance $2,500 Details Balance: $2,500 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
IRA Certificates (Fixed Rate) - 1 Year Certificate	3.78%	3.85%	1 Year
Min Deposit $1,000 Details Balance Tier: $1,000/+; Balance Tier: $10,000/+; Balance Tier: $25,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
IRA Certificates (Fixed Rate) - 5 Year Certificate	3.78%	3.85%	5 Year
Min Deposit $1,000 Details Balance Tier: $1,000/+; Balance Tier: $10,000/+; Balance Tier: $25,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
12 Month Business Fixed Rate Certificate	3.69%	3.75%	12 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
12 Month Business Fixed Rate Certificate	3.69%	3.75%	12 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
12 Month Business Fixed Rate Certificate	3.69%	3.75%	12 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
60 Month Business Fixed Rate Certificate	3.69%	3.75%	60 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
60 Month Business Fixed Rate Certificate	3.69%	3.75%	60 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
60 Month Business Fixed Rate Certificate	3.69%	3.75%	60 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
IRA Certificates (Fixed Rate) - 4 Year Certificate	3.54%	3.60%	4 Year
Min Deposit $1,000 Details Balance Tier: $1,000/+; Balance Tier: $10,000/+; Balance Tier: $25,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
48 Month Business Fixed Rate Certificate	3.45%	3.50%	48 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
48 Month Business Fixed Rate Certificate	3.45%	3.50%	48 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
48 Month Business Fixed Rate Certificate	3.45%	3.50%	48 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
IRA Certificates (Fixed Rate) - 3 Year Certificate	3.30%	3.35%	3 Year
Min Deposit $1,000 Details Balance Tier: $1,000/+; Balance Tier: $10,000/+; Balance Tier: $25,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
36 Month Business Fixed Rate Certificate	3.20%	3.25%	36 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
36 Month Business Fixed Rate Certificate	3.20%	3.25%	36 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
36 Month Business Fixed Rate Certificate	3.20%	3.25%	36 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
IRA Certificates (Fixed Rate) - 2 Year Certificate	3.06%	3.10%	2 Year
Min Deposit $1,000 Details Balance Tier: $1,000/+; Balance Tier: $10,000/+; Balance Tier: $25,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
24 Month Business Fixed Rate Certificate	2.96%	3.00%	24 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
24 Month Business Fixed Rate Certificate	2.96%	3.00%	24 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
24 Month Business Fixed Rate Certificate	2.96%	3.00%	24 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
13 Month No Penalty Certificate	2.72%	2.75%	13 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
18 Month Business Jump Up Certificates	2.72%	2.75%	18 Months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
18 Month Business Jump Up Certificates	2.72%	2.75%	18 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
18 Month Business Jump Up Certificates	2.72%	2.75%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
18 Month Jump Up IRA Certificate	2.72%	2.75%	18 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
18 Month Jump Up IRA Certificate	2.72%	2.75%	18 Months
Min Balance $10,000 Details Balance: $10,000/+ APY Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
18 Month Jump Up IRA Certificate	2.72%	2.75%	18 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
24 Month Business Jump Up Certificates	2.72%	2.75%	24 Months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
24 Month Business Jump Up Certificates	2.72%	2.75%	24 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
24 Month Business Jump Up Certificates	2.72%	2.75%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
24 Month Jump Up IRA Certificate	2.72%	2.75%	24 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
24 Month Jump Up IRA Certificate	2.72%	2.75%	24 Months
Min Balance $10,000 Details Balance: $10,000/+ APY Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
24 Month Jump Up IRA Certificate	2.72%	2.75%	24 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Ventura County Credit Union Savings Rates

Product	Rate	APY
Variable Rate Savings	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Variable Rate Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Variable Rate Savings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business Holiday Club	0.20%	0.20%
Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Variable Rate Savings	0.20%	0.20%
Min Balance $0 Details Balance: Up to $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business Savings	0.10%	0.10%
Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Get Fit IRA Savings	0.10%	0.10%
Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

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/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Maximizer	1.74%	1.75%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Maximizer	1.09%	1.10%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business Money Market Access	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Access	1.00%	1.00%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Account	-	1.00%
Details Multi-tier interest rate structure, bigger deposits have a chance to earn even better returns Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Maximizer	1.00%	1.00%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business Money Market Access	0.90%	0.90%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Access	0.90%	0.90%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business Money Market Access	0.80%	0.80%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Access	0.80%	0.80%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business Money Market Access	0.70%	0.70%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Access	0.70%	0.70%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business Money Market Access	0.60%	0.60%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Access	0.60%	0.60%
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business Money Market Access	0.10%	0.10%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business Money Market Access	0.10%	0.10%
Min Deposit $2,500 Min Balance $500 Details Balance: $500/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Access	0.10%	0.10%
Min Deposit $500 Min Balance $0 Details Balance: Up to $500* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Money Market Access	0.10%	0.10%
Min Deposit $500 Min Balance $500 Details Balance: $500*/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

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 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Simply Earn Checking	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Simply Earn Checking	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Simply Earn Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500/+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Ventura County Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
30 Year Fixed - Conforming	7.24%	-	7.24%	30 Year
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Ventura County Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Vehicles Loan	-	-	4.75%	Up to 36 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
New and Used Vehicles Loan	-	-	5.49%	Up to 60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
First Time Auto Buyer Program - New and Used Vehicles	-	-	8.74%	Up to 48 months
Details As Low As; Effective September 1, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
First Time Auto Buyer Program - New and Used Vehicles	-	-	8.99%	Up to 60 months
Details As Low As; Effective September 1, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Ventura County Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Business New and Used Motorcycle Loan	-	7.24%	Up to 60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business New and Used Motorcycle Loan	-	7.99%	Up to 84 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

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; Effective September 1, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

Ventura County Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15 Year Conforming Loan	6.38%	0.00%	6.52%	15 Year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
15 Year High Balance Loan	7.38%	0.00%	7.53%	15 Year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Conforming Loan	7.13%	0.00%	7.24%	30 Year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year High Balance Loan	7.38%	0.00%	7.46%	30 Year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
30 Year Non-Conforming Loan	7.00%	0.00%	7.60%	30 Year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
AdvantageLine Loan	-	-	12.45%
Details As low as; Effective September 1, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Computers, printers, televisions, mobile phones Loan	-	-	7.00%	Up to 18 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Platinum Loan	-	-	12.20%	Variable
Details As Low As*; Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Platinum Rewards Loan	-	-	14.20%	Variable
Details As Low As*; Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Software Loan	-	-	9.00%	Up to 36 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%
Business Share Account	0.10%	-	0.10%
Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.19%

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.

Financial Health History

Ventura County Credit Union’s Texas Ratio rose from 2.27% in Q2 2023 to 6.19% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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
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+
June 30, 2023	$1.3B	2.27%	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 180

Part-Time Employees 25

Branch Locations 8

ATM Locations 8

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.19%

Return on Assets (ROA)

0.3175%

Return on Equity (ROE)

3.1569%

Non-Performing Loans Ratio (NPL)

0.99%

Total Assets

1,467,597,235

Total Amount of Shares and Deposits

1,303,082,468

Total Shares and Deposits < 1 Year

1,270,743,827

Total Shares and Deposits 1 3 Years

22,862,212

Total Shares and Deposits > 3 Years

9,476,430

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

114,855,154

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

114,855,154

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

1,188,227,314

Total Interest Expense (Sum of items 6 8)

4,286,826

Share Certificates

9,212

Number of Accounts for Share Drafts

47,212

IRA KEOGH Accounts

1,829

Number of Accounts for Regular Shares

78,402

Money Market Shares

2,251

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)

96,899,329

Total Liabilities

1,327,896,904

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Ventura County Credit Union earned the Verified Healthy badge

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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/.

Current Ventura County Credit Union Rates

12-Month CD2.75%
18-Month CD2.75%
24-Month CD2.75%
60-Month CD3.75%
Savings0.10%
MMA0.10%

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

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Ventura County Credit Union Rates & Review September 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ventura County Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 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?

Current Ventura County Credit Union Rates

Compare to Other Credit Unions