VCC Bank

Overview / Commentary
7814 Carousel Lane
Richmond, VA 23294

VCC Bank is headquartered in Richmond and is the 54th largest bank in the state of Virginia. It is also the 2,887th largest bank in the nation. It was established in 2008 and as of June of 2021, it had grown to 28 employees at 2 locations. VCC Bank's money market rates are 25% higher than the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #58658
Year Established2008
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD8.19%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$233.4MM$245.6MM
LoansQ2 2021vs Q2 2020$173.8MM$185.9MM
DepositsQ2 2021vs Q2 2020$191.4MM$174.7MM
Equity CapitalQ2 2021vs Q2 2020$27.6MM$24.3MM
Loan Loss AllowanceQ2 2021vs Q2 2020$2.0MM$3.0MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$3.0MM$5.0MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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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

0.25%--Statement Savings
0.25%--VA Savers Club

VCC Bank Money Market Rates

0.55%*$250k*-IRA Money Market
OTHER TIERS: 0.20% Up to $100k | 0.40% $100k - $250k
0.55%*$250k*-Premium Money Market Account
OTHER TIERS: 0.20% Up to $100k | 0.40% $100k - $250k
0.20%--Money Market Account

VCC Bank CD Rates

0.70%$250-7 Year CD
0.65%$250-5 Year CD
0.55%$250-4 Year CD
0.50%$250-3 Year CD
0.45%$250-2 Year CD
0.35%$250-18 Month CD
0.35%$250-18 Month Promotional CD
0.30%$250-1 Year CD
0.25%$250-6 Month CD

VCC Bank IRA Rates

0.70%$250-7 Year IRA
0.65%$250-5 Year IRA
0.55%$250-4 Year IRA
0.50%$250-3 Year IRA
0.45%$250-2 Year IRA
0.35%$250-18 Month IRA
0.30%$250-1 Year IRA
0.25%$250-6 Month IRA

VCC Bank Locations
West Franklin Street Branch110 Peppers Ferry Road NwChristiansburg, VA 24073
Community Capital Bank Of Virginia7814 Carousel LaneRichmond, VA 23294

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