VCC Bank

Overview / Commentary

www.vacommunitycapital.org

540-260-3126

7814 Carousel Lane
Richmond, VA 23294

VCC Bank is headquartered in Richmond and is the 54^th largest bank in the state of Virginia. It is also the 2,682^nd largest bank in the nation. It was established in 2008 and as of June of 2020, it had grown to 20 employees at 2 locations. VCC Bank's money market rates are 70% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	58658
Year Established	2008
Employees	20
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.53%
Return on Equity - YTD	4.99%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$246.5MM$196.9MM
Loans	Q2 2020vs Q2 2019	$186.8MM$143.8MM
Deposits	Q2 2020vs Q2 2019	$174.7MM$156.7MM
Equity Capital	Q2 2020vs Q2 2019	$25.0MM$22.4MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$3.0MM$1.1MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$5.0MM$3.2MM
Real Estate Owned	Q2 2020vs Q2 2019	$0$0

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

VCC Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	Statement Savings
0.25%	-	-	VA Savers Club

VCC Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$250k^*	-	IRA Money Market
OTHER TIERS: 0.30% → Up to $100k \| 0.50% → $100k - $250k
0.75%^*	$250k^*	-	Premium Money Market Account
OTHER TIERS: 0.30% → Up to $100k \| 0.50% → $100k - $250k
0.30%	-	-	Money Market Account

VCC Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%	$250	-	7 Year CD
1.00%	$250	-	5 Year CD
0.90%	$250	-	4 Year CD
0.80%	$250	-	3 Year CD
0.55%	$250	-	2 Year CD
0.55%	$250	-	18 Month Promotional CD
0.50%	$250	-	18 Month CD
0.40%	$250	-	1 Year CD
0.30%	$250	-	6 Month CD

VCC Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%	$250	-	7 Year IRA
1.00%	$250	-	5 Year IRA
0.90%	$250	-	4 Year IRA
0.80%	$250	-	3 Year IRA
0.55%	$250	-	2 Year IRA
0.50%	$250	-	18 Month IRA
0.40%	$250	-	1 Year IRA
0.30%	$250	-	6 Month IRA

Locations

VCC Bank Locations
West Franklin Street Branch	110 Peppers Ferry Road Nw	Christiansburg, VA 24073
Community Capital Bank Of Virginia	7814 Carousel Lane	Richmond, VA 23294

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