Overview / Commentary
VCC Bank is headquartered in Richmond and is the 57th largest bank in the state of Virginia. It is also the 2,906th largest bank in the nation. It was established in 2008 and as of June 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.
Health
B
Data as of Q2 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 58658 |
| Year Established | 2008 |
| Employees | 27 |
| Primary Regulator | FED |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.27% |
| Return on Equity - YTD | 2.49% |
| Annual Interest Income | $4.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $196.9MM$181.8MM |
| Loans | Q2 2019vs Q2 2018 | $143.8MM$133.7MM |
| Deposits | Q2 2019vs Q2 2018 | $156.7MM$150.3MM |
| Equity Capital | Q2 2019vs Q2 2018 | $22.4MM$20.1MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $1.1MM$1.7MM |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $3.2MM$3.0MM |
| Real Estate Owned | Q2 2019vs Q2 2018 | $0$109.00K |
Rates
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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 | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
VCC Bank IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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 |