Ventura County Credit Union

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CURRENT TOP RATE

1 Year IRA (Traditional, Roth, SEP, CESA)

Overview / Commentary

www.vccuonline.net

805-477-4000

2575 Vista Del Mar Dr Suite 100
Ventura, CA 93001

Ventura County Credit Union is headquartered in Ventura and is the 49^th largest credit union in the state of California. It is also the 345^th largest credit union in the nation. It was established in 1950 and as of December of 2022, it had grown to 172 employees and 73,796 members at 9 locations. Ventura County Credit Union's money market rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Ventura County Credit Union is open to those who live, work, or attend school in Ventura or Santa Barbara Counties in California or belong to one to one of the select employer groups. (Membership requirements are listed in the credit union's online application)
See current membership details

Related Posts

View all posts from:

2007
2006

7/27 - 10% 12-Month CD at a California CU - $1K Max (Ventura County)
3/4 - 7.70% 7-Month CD at a California CU - $15K Max (Ventura County)
1/31 - 6.00% 12-Month CD at a California CU Continues (Ventura County).

11/18 - 6.00% 12-Month CD at a California CU (Ventura County)

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Health

B+

Data as of Q4 2022

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Health Grade Components

Overall
NCUA #	68458
Year Chartered	1950
Employees	172
Primary Regulator

Profit Margin
Return on Assets - YTD	0.9%
Return on Equity - YTD	12.35%
Annual Interest Income	$38.6MM

Assets and Liabilities
Assets	Q4 2022vs Q4 2021	$1.29B$1.28B
Loans	Q4 2022vs Q4 2021	$756.2MM$672.4MM
Deposits	Q4 2022vs Q4 2021	$1.17B$1.16B
Equity Capital	Q4 2022vs Q4 2021	$93.7MM$99.3MM
Loan Loss Allowance	Q4 2022vs Q4 2021	$4.7MM$4.8MM
Unbacked Noncurrent Loans	Q4 2022vs Q4 2021	$4.8MM$3.5MM
Real Estate Owned	Q4 2022vs Q4 2021	$0$0

Rates

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Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ventura County Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$1k^*	-	Variable Rate IRA Savings
OTHER TIERS: 0.20% → Up to $1k
0.20%	$25	-	Holiday Club Account
0.10%	-	-	Get Fit Savings Plan Account
0.10%	-	$1k	Get Fit IRA Savings Account
0.10%	$25	-	Savings Account
0.10%	$25	-	Business Share Account

Ventura County Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%^*	$200k^*	-	Money Market Maximizer
OTHER TIERS: 0.80% → $25k - $50k \| 0.90% → $50k - $100k \| 1.50% → $100k - $200k
1.00%^*	$100k^*	-	Money Market Access
OTHER TIERS: 0.10% → Up to $2.5k \| 0.60% → $2.5k - $10k \| 0.70% → $10k - $25k \| 0.80% → $25k - $50k \| 0.90% → $50k - $100k
1.00%^*	$100k^*	-	Business Money Market Access
OTHER TIERS: 0.10% → Up to $2.5k \| 0.60% → $2.5k - $10k \| 0.70% → $10k - $25k \| 0.80% → $25k - $50k \| 0.90% → $50k - $100k

Ventura County Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.35%	$500	-	6 Month Get Fit Basic CD
4.35%	$2.5k	-	6 Month Get Fit Plus CD
4.00%	$1k	-	6 Month CD
4.00%	$1k	-	12 Month CD
4.00%	$5k	-	18 Month Jump-Up CD
4.00%	$1k	-	Business 6 Month CD
4.00%	$1k	-	Business 12 Month CD
3.75%	$1k	-	24 Month CD
3.75%	$5k	-	24 Month Jump-Up CD
3.75%	$1k	-	Business 24 Month CD
3.25%	$1k	-	60 Month CD
3.25%	$1k	-	Business 60 Month CD
3.00%	$1k	-	36 Month CD
3.00%	$1k	-	48 Month CD
3.00%	$1k	-	13 Month No Penalty Certificate
3.00%	$1k	-	Business 36 Month CD
3.00%	$1k	-	Business 48 Month CD

Ventura County Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.60%	$1k	-	1 Year IRA
4.60%	$1k	-	1 Year Get Fit IRA
4.60%	$1k	-	18 Month Jump Up IRA
4.10%	$1k	-	2 Year IRA
4.10%	$1k	-	24 Month Jump Up IRA
3.60%	$1k	-	3 Year IRA
3.60%	$1k	-	4 Year IRA
3.60%	$1k	-	5 Year IRA

Locations

Ventura County Credit Union Locations
Branch Office	2160 N Rose Ave	Oxnard, CA 93036-5058
Branch Office	711 E Daily Dr Ste 100	Camarillo, CA 93010-6081
Branch Office	18 W Thousand Oaks Blvd	Thousand Oaks, CA 91360-4458
Branch Office	2680 Tapo Canyon Rd	Simi Valley, CA 93063-2308
Branch Office	6026 Telephone Rd	Ventura, CA 93003-5332
Branch Office	687 W Channel Islands Blvd	Port Hueneme, CA 93041-2138
Branch Office	510 New Los Angeles Ave	Moorpark, CA 93021-2063
Corporate Office	2575 Vista Del Mar Dr Suite 100	Ventura, CA 93001
Branch Office	691 Town Center Dr	Oxnard, CA 93036

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