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: 2.25%

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Ventura County Credit Union

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Ventura County Credit Union Rates & Review October 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: October 10, 2026

Ventura County Credit Union's top rates as of October 10, 2026 are 3.95% APY on its Get Fit IRA 1 Year CD, 0.10% APY on savings, 2.25% APY on money market accounts, 0.35% APY on checking, 6.25% on its ARM Loans - 5/6 ARM 2/1/5 Jumbo 30 day avg. SOFR (1) mortgage, and personal loans from 10.70% APR, according to rates verified by MonitorBankRates. Other Ventura County Credit Union CD rates include Get Fit CD - 6 Month CD Basic at 3.85%, Get Fit CD - 6 Month CD Basic at 3.85%, and Get Fit CD - 6 Month CD Plus at 3.85%. Other Ventura County Credit Union mortgage rates include ARM Loans - 5/6 ARM 2/1/5 High Balance Loan 30 day avg. SOFR (1) at 6.25%, ARM Loans - 5/6 ARM 2/1/5 Conforming 30 day avg. SOFR (1) at 6.25%, and ARM Loans - 5/5 ARM 2/2/5 Jumbo 5 YR Treasury CMT (2) at 6.38%. 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 10/10/2026.

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
Get Fit IRA 1 Year Certificate	3.88%	3.95%	1 Year
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 6 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 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $999.99 Last Updated 10/10/2026 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%
Get Fit Certificate - 6 Month Certificate Basic	3.78%	3.85%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $2,499.99 Last Updated 10/10/2026 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%
Get Fit Certificate - 6 Month Certificate Plus	3.78%	3.85%	6 Month
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 1 Year	3.78%	3.85%	1 Year
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 1 Year	3.78%	3.85%	1 Year
Min Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 1 Year	3.78%	3.85%	1 Year
Min Deposit $25,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 5 Year	3.78%	3.85%	5 Year
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 5 Year	3.78%	3.85%	5 Year
Min Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 5 Year	3.78%	3.85%	5 Year
Min Deposit $25,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 4 Year	3.54%	3.60%	4 Year
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 4 Year	3.54%	3.60%	4 Year
Min Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 4 Year	3.54%	3.60%	4 Year
Min Deposit $25,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 3 Year	3.298%	3.35%	3 Year
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 3 Year	3.298%	3.35%	3 Year
Min Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 3 Year	3.298%	3.35%	3 Year
Min Deposit $25,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 2 Year	3.058%	3.10%	2 Year
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 2 Year	3.058%	3.10%	2 Year
Min Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Certificate 2 Year	3.058%	3.10%	2 Year
Min Deposit $25,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
13 Month No Penalty Certificate	2.715%	2.75%	13 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
18 Month Jump Up IRA Certificate	2.715%	2.75%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
18 Month Jump Up IRA Certificate	2.715%	2.75%	18 Months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
18 Month Jump Up IRA Certificate	2.715%	2.75%	18 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
24 Month Jump Up IRA Certificate	2.715%	2.75%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
24 Month Jump Up IRA Certificate	2.715%	2.75%	24 Months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
24 Month Jump Up IRA Certificate	2.715%	2.75%	24 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Fixed Rate Certificates	3.69%	3.75%	12 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
12 Month Business Fixed Rate Certificates	3.69%	3.75%	12 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
12 Month Business Fixed Rate Certificates	3.69%	3.75%	12 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
6 Month Business Fixed Rate Certificates	3.69%	3.75%	6 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20263.75%▼ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
6 Month Business Fixed Rate Certificates	3.69%	3.75%	6 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20263.75%▼ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
6 Month Business Fixed Rate Certificates	3.69%	3.75%	6 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20263.75%▼ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
60 Month Business Fixed Rate Certificates	3.69%	3.75%	60 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
60 Month Business Fixed Rate Certificates	3.69%	3.75%	60 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
60 Month Business Fixed Rate Certificates	3.69%	3.75%	60 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
48 Month Business Fixed Rate Certificates	3.448%	3.50%	48 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
48 Month Business Fixed Rate Certificates	3.448%	3.50%	48 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
48 Month Business Fixed Rate Certificates	3.448%	3.50%	48 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
36 Month Business Fixed Rate Certificates	3.198%	3.25%	36 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
36 Month Business Fixed Rate Certificates	3.198%	3.25%	36 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
36 Month Business Fixed Rate Certificates	3.198%	3.25%	36 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
24 Month Business Fixed Rate Certificates	2.96%	3.00%	24 Months
Min Balance $1,000 Details Balance: $1,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
24 Month Business Fixed Rate Certificates	2.96%	3.00%	24 Months
Min Balance $10,000 Details Balance: $10,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
24 Month Business Fixed Rate Certificates	2.96%	3.00%	24 Months
Min Balance $25,000 Details Balance: $25,000/+ Dividend Rate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Jump Up Certificates 18 month	2.715%	2.75%	18 Months
Min Deposit $5,000 Details Dividend Rate: 2.715%; APY: 2.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Jump Up Certificates 24 month	2.715%	2.75%	24 Months
Min Deposit $5,000 Details Dividend Rate: 2.715%; APY: 2.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.20%	0.20%
Min Balance $25 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Get Fit IRA Savings	0.10%	0.10%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Savings	0.10%	0.10%
Min Balance $25 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 6 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/+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Money Market Account	-	1.00%
Details as high as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 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. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 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/+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 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/+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 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/+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 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/+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 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* Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 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/+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 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/+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 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/+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 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/+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 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/+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% 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 $0 Details Balance: Up to $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 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/+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
ARM Loans - 5/6 ARM 2/1/5 Jumbo 30 day avg. SOFR (1)	6.25%	0.000%	6.414%
Details Rate (as low as): 6.250%; Est. Payments Per $1,000*: $6.16 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.41% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ARM Loans - 5/6 ARM 2/1/5 High Balance Loan 30 day avg. SOFR (1)	6.25%	0.000%	6.42%
Details Rate (as low as): 6.250%; Est. Payments Per $1,000*: $6.16 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.42% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ARM Loans - 5/6 ARM 2/1/5 Conforming 30 day avg. SOFR (1)	6.25%	0.000%	6.451%
Details Rate (as low as): 6.250%; Est. Payments Per $1,000*: $6.16 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.45% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ARM Loans - 5/5 ARM 2/2/5 Jumbo 5 YR Treasury CMT (2)	6.375%	0.000%	6.477%
Details Rate (as low as): 6.375%; Est. Payments Per $1,000*: $6.24 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.48% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ARM Loans - 5/5 ARM 2/2/5 High Balance 5 YR Treasury CMT (2)	6.375%	0.000%	6.483%
Details Rate (as low as): 6.375%; Est. Payments Per $1,000*: $6.24 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.48% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ARM Loans - 5/5 ARM 2/2/5 Conforming 5 YR Treasury CMT (2)	6.375%	0.000%	6.49%
Details Rate (as low as): 6.375%; Est. Payments Per $1,000*: $6.24 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ARM Loans - 5/5 ARM First-time Homebuyer 100% Program	6.375%	0.000%	6.49%
Details Rate (as low as): 6.375%; Est. Payments Per $1,000*: $6.24 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ARM Loans - 7/6 ARM 5/1/5 Jumbo 30 day avg. SOFR (3)	6.75%	0.000%	6.492%
Details Rate (as low as): 6.750%; Est. Payments Per $1,000*: $6.49 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ARM Loans - 7/6 ARM 5/1/5 High Balance 30 day avg. SOFR(3)	6.75%	0.000%	6.652%
Details Rate (as low as): 6.750%; Est. Payments Per $1,000*: $6.49 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.65% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ARM Loans - 7/6 ARM 5/1/5 Conforming 30 day avg. SOFR (3)	6.75%	0.000%	6.684%
Details Rate (as low as): 6.750%; Est. Payments Per $1,000*: $6.49 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.68% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
15 Year Fixed VA	6.515%	0.500%	6.75%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.52% → 6.75% ▲ 0.24 pts · high 6.75% / low 6.52% Oct 10, 20266.75%▲ from 6.52% Sep 14, 20266.52%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
30 Year Fixed - Conforming	-	-	7.71%	30 Year
Details As Low As Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.97% → 7.71% ▲ 0.75 pts · high 7.71% / low 6.97% Oct 2, 20267.71%▲ from 7.24% Sep 22, 20267.24%▲ from 6.97% Sep 14, 20266.97%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
30 Year Fixed Conforming VA	7.50%	0.500%	7.71%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.88% → 7.71% ▲ 0.84 pts · high 7.71% / low 6.88% Oct 10, 20267.71%▲ from 6.88% Sep 14, 20266.88%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Standard HELOC 70% CLTV or less	7.00%	-	7.00%
Details Rate: Prime + 0.000% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR 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 Index Prime + 0.500% Last Updated 10/10/2026 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%
Standard HELOC 70.01% up to 75% CLTV	7.50%	-	7.50%
Details Rate: Prime + 0.500% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR 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 Index Prime + 1.000% Last Updated 10/10/2026 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%

Ventura County Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car, Truck, SUV and Van Loan	-	-	4.75%	36-month
Details Longer terms available on qualifying loans Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.75% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
New and Used Vehicles Loan	-	-	4.75%	Up to 36 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Car, Truck, SUV and Van Loan	-	-	5.49%	60-month
Details Longer terms available on qualifying loans Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.49% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
New and Used Vehicles Loan	-	-	5.49%	Up to 60 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Auto Loan	-	-	6.99%	60-month
Details Up to 120% Auto Loan Financing (Based on Creditworthiness); Longer terms available on qualifying loans Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Auto Loan	-	-	7.04%	48-month
Details Up to 120% Auto Loan Financing (Based on Creditworthiness); Longer terms available on qualifying loans Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.04% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
First Time Auto Buyer Program Loan	-	-	8.74%	48-month
Details Up to 100% Financing for First Time Auto Buyers (Based on Creditworthiness); Longer terms available on qualifying loans Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.74% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
First Time Auto Buyer Program Loan	-	-	8.99%	60-month
Details Up to 100% Financing for First Time Auto Buyers (Based on Creditworthiness); Longer terms available on qualifying loans Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.99% APR 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
RV, Travel Trailer or 5th Wheel Loan	-	7.00%	Up to 48 months
Details As Low As; New or Used Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Motorcycle Loan	-	7.24%	60-month
Details Up to 100% Motorcycle Loan Financing (Based on Creditworthiness) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.24% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
New and Used Motorcycle Loan	-	7.24%	Up to 60 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.24% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
ATV, Jet Ski and Dirt Bike Loan	-	7.25%	72-month
Details Up to 100% ATV, Jet Ski and Dirt Bike Loan Financing (Based on Creditworthiness) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.25% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Boat Loan	-	7.25%	72-month
Details Up to 100% Financing (Based on Creditworthiness); Longer terms available for new boat loans over $50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.25% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
RV, Travel Trailer or 5th Wheel Loan	-	7.25%	Up to 72 months
Details As Low As; New or Used Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.25% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
RV, Travel Trailer or 5th Wheel Loan	-	7.50%	Up to 120 months
Details As Low As; New or Used Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Motorcycle Loan	-	7.99%	84-month
Details Up to 100% Motorcycle Loan Financing (Based on Creditworthiness) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
New and Used Motorcycle Loan	-	7.99%	Up to 84 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%

Ventura County Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	10.70%	60-month
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.70% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Signature/Lifestyle Loan	10.70%	Up to 60 months
Details Effective October 1, 2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.70% APR · checked 6 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
10 Year Conforming Loan	6.75%	0.00%	6.945%	10 Year
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.45% → 6.95% ▲ 0.50 pts · high 6.95% / low 6.45% Oct 10, 20266.95%▲ from 6.45% Sep 14, 20266.45%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
10 Year Fixed 2nd TD	8.50%	-	8.50%	10 Year
Details As Low As; Est. Payments Per $1,000*: $12.40 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.50% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
15 Year Conforming Loan	6.515%	0.00%	6.75%	15 Year
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.52% → 6.75% ▲ 0.24 pts · high 6.75% / low 6.52% Oct 10, 20266.75%▲ from 6.52% Sep 14, 20266.52%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
15 Year Fixed 2nd TD	8.50%	-	8.50%	15 Year
Details As Low As; Est. Payments Per $1,000*: $9.85 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.50% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
15 Year High Balance Loan	7.375%	0.00%	7.527%	15 Year
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.53% APR · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
20 Year Conforming Loan	7.25%	0.00%	7.584%	20 Year
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.61% → 7.58% ▲ 0.97 pts · high 7.58% / low 6.61% Oct 10, 20267.58%▲ from 6.61% Sep 14, 20266.61%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
20 Year Fixed 2nd TD	8.50%	-	8.50%	20 Year
Details As Low As; Est. Payments Per $1,000*: $8.68 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.50% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
30 Year Conforming Loan	7.50%	0.00%	7.71%	30 Year
Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.97% → 7.71% ▲ 0.75 pts · high 7.71% / low 6.97% Oct 10, 20267.71%▲ from 7.24% Sep 22, 20267.24%▲ from 6.97% Sep 14, 20266.97%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
30 Year High Balance Loan	7.464%	0.00%	7.625%	30 Year
Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.22% → 7.63% ▲ 0.41 pts · high 7.63% / low 7.22% Oct 10, 20267.63%▲ from 7.46% Sep 22, 20267.46%▲ from 7.22% Sep 14, 20267.22%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
30 Year Non-Conforming Loan	7.375%	0.00%	7.458%	30 Year
Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.88% → 7.46% ▲ 0.58 pts · high 7.60% / low 6.88% Oct 10, 20267.46%▼ from 7.60% Sep 22, 20267.60%▲ from 6.88% Sep 14, 20266.88%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
AdvantageLine Loan	-	-	12.70%
Details As Low As Last Updated 10/10/2026 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%
Computers, printers, televisions, mobile phones Loan	-	-	7.00%	Up to 18 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
New or Used Loan	-	-	7.00%	Up to 48 months
Details As Low As; *Annual Percentage Rate. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
New or Used Loan	-	-	7.25%	Up to 72 months
Details As Low As; *Annual Percentage Rate. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
New or Used Loan	-	-	7.50%	Up to 120 months
Details As Low As; *Annual Percentage Rate. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Platinum Loan	-	-	12.45%	Variable
Details Effective October 1, 2026 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.20% → 12.45% ▲ 0.25 pts · high 12.45% / low 12.20% Oct 10, 202612.45%▲ from 12.20% Sep 14, 202612.20%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Platinum Rewards Loan	-	-	14.45%	Variable
Details Effective October 1, 2026 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 14.20% → 14.45% ▲ 0.25 pts · high 14.45% / low 14.20% Oct 10, 202614.45%▲ from 14.20% Sep 14, 202614.20%first recorded Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Software Loan	-	-	9.00%	Up to 36 months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Technology Loan	-	-	7.00%	18-month
Details Minimum loan amount $500; maximum loan amount $5,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Technology Loan	-	-	9.00%	36-month
Details Minimum loan amount $500; maximum loan amount $5,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.00% APR Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
Business Share Account	0.10%	-	0.10%
Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Options	0.20%	-	0.20%
Min Balance $1,000 Details Balance: Up to $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Options	0.25%	-	0.25%
Min Balance $1,000 Details Balance: $1,000/+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Options	0.25%	-	0.25%
Min Balance $10,000 Details Balance: $10,000/+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.65%
IRA Options	0.25%	-	0.25%
Min Balance $25,000 Details Balance: $25,000/+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY 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

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%
MMA2.25%

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

Compare to Other Credit Unions

Ventura County Credit Union Rates & Review October 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 Business CD Rates

Ventura County Credit Union 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 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

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