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 2,682nd 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 Grade Components

FDIC Certificate #58658
Year Established2008
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD4.99%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$246.5MM$196.9MM
LoansQ2 2020vs Q2 2019$186.8MM$143.8MM
DepositsQ2 2020vs Q2 2019$174.7MM$156.7MM
Equity CapitalQ2 2020vs Q2 2019$25.0MM$22.4MM
Loan Loss AllowanceQ2 2020vs Q2 2019$3.0MM$1.1MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$5.0MM$3.2MM
Real Estate OwnedQ2 2020vs Q2 2019$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

0.75%*$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

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

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

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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