VCC Bank

Overview / Commentary
7814 Carousel Lane
Richmond, VA 23294

VCC Bank is headquartered in Richmond and is the 50th largest bank in the state of Virginia. It is also the 2,944th largest bank in the nation. It was established in 2008 and as of March of 2022, it had grown to 36 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 - YTD0.71%
Return on Equity - YTD5.47%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$223.6MM$221.8MM
LoansQ1 2022vs Q1 2021$162.8MM$171.3MM
DepositsQ1 2022vs Q1 2021$186.2MM$173.1MM
Equity CapitalQ1 2022vs Q1 2021$29.0MM$25.9MM
Loan Loss AllowanceQ1 2022vs Q1 2021$1.2MM$2.1MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$2.8MM$3.1MM
Real Estate OwnedQ1 2022vs Q1 2021$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 Fry Rd NwChristiansburg, VA 24073
Community Capital Bank Of Virginia7814 Carousel LaneRichmond, VA 23294

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