VCC Bank

Overview / Commentary
7814 Carousel Lane
Richmond, VA 23294

VCC Bank is headquartered in Richmond and is the 56th largest bank in the state of Virginia. It is also the 2,897th largest bank in the nation. It was established in 2008 and as of December of 2020, it had grown to 25 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 - YTD0.82%
Return on Equity - YTD7.57%
Annual Interest Income$10.2MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$220.1MM$222.2MM
LoansQ4 2020vs Q4 2019$171.1MM$159.1MM
DepositsQ4 2020vs Q4 2019$165.6MM$169.8MM
Equity CapitalQ4 2020vs Q4 2019$25.7MM$24.1MM
Loan Loss AllowanceQ4 2020vs Q4 2019$2.0MM$1.5MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$3.2MM$6.5MM
Real Estate OwnedQ4 2020vs Q4 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

0.55%*$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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