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 2,690^th largest bank in the nation. It was established in 2008 and as of December of 2019, it had grown to 27 employees at 2 locations. VCC Bank's money market rates are 4X the national average, and it has a B health rating.

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	58658
Year Established	2008
Employees	27
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.68%
Return on Equity - YTD	6.25%
Annual Interest Income	$8.8MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$222.2MM$194.1MM
Loans	Q4 2019vs Q4 2018	$159.1MM$140.3MM
Deposits	Q4 2019vs Q4 2018	$169.8MM$150.0MM
Equity Capital	Q4 2019vs Q4 2018	$24.1MM$21.4MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$1.5MM$1.0MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$6.5MM$4.9MM
Real Estate Owned	Q4 2019vs Q4 2018	$0$71.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not VCC Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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
1.92%^*	$250k^*	-	Premium Money Market Account
OTHER TIERS: 1.00% → Up to $100k \| 1.50% → $100k - $250k
0.75%	-	-	IRA Money Market Checking
0.75%	-	-	Money Market Savings

VCC Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$250k^*	-	IOLTA Checking
OTHER TIERS: 0.15% → Up to $250k

VCC Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.32%	$250	-	7 Year CD
2.22%	$250	-	5 Year CD
2.12%	$250	-	4 Year CD
2.02%	$250	-	3 Year CD
1.87%	$250	-	2 Year CD
1.76%	$250	-	18 Month Affordable Housing CD
1.71%	$250	-	18 Month CD
1.60%	$250	-	1 Year CD
0.50%	$250	-	6 Month CD

VCC Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.32%	$250	-	7 Year IRA
2.22%	$250	-	5 Year IRA
2.12%	$250	-	4 Year IRA
2.02%	$250	-	3 Year IRA
1.87%	$250	-	2 Year IRA
1.71%	$250	-	18 Month IRA
1.60%	$250	-	1 Year IRA
0.50%	$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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