Coffee break

Introducing a new way to pay

Zelle® is a fast, safe and easy way to send and receive money, typically within minutes1. Using just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.
Visit for enrollment details.

1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. 
2 Must have a bank account in the U.S. to use Zelle. 
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Woman holding mobile phone

Card Manager keeps you in charge

Most recent data shows that 29% of US consumers reported fraudulent transactions or a card that was lost or stolen. 

Our new Card Manager, a free VCCU Mobile app feature, lets you protect your VCCU debit and credit cards. Use it to get transaction alerts and to manage how your cards are used to help prevent fraud.

Turn cards on and off: Perfect for those times when you’re not sure if your card has been misplaced or stolen or you won’t be using it for a while.

Location-based controls: You set the boundaries of where your card can be used or to ensure it can only be used when it is with you.

Real-time transaction alerts: Quickly detect unauthorized or fraudulent activity.

Get started with Card Manager now.

Ventura Freeway and Bridge

Annual Meeting

Our 71st Annual Meeting will be virtual. Join us Tuesday, April 26, 2022 at 5:30 pm. Members may attend via Zoom or can dial in from any phone.

Log in ­­­­­­here or dial (888) 788-0099.

Meeting ID: 839 1689 5156
Passcode: 731084

Join us as we review our financial performance, how we helped members navigate another challenging year, and discuss what's ahead for your member-owned credit union. We will also announce Board of Directors and Supervisory Committee election results. Our Annual Report will be published and available on our website prior to the meeting.

Buy now, pay later shopping

Is Buy Now, Pay Later your best option?

Over half of consumers say they’ve used a “Buy Now, Pay Later” (BNPL) service from online retailers that advertises a zero percent rate. That might seem like a better deal than a credit card, but it likely isn’t.

It can be tempting to get what you want with little or no immediate payment. The Consumer Financial Protection Bureau outlines cautions about these loans:

Impact on your credit score
BNPL lenders often don’t check your credit score and most don’t report your on-time payments to credit bureaus — a key element in increasing your credit score. However, if your BNPL loan gets turned over to a debt collector, it will get reported and hurt your credit score.

Perhaps no interest, but definitely big fees
The 0% interest rate they quote is misleading. Make a late payment and you’ll incur a late fee and probably a finance fee, too. One BNPL lender charges up to $38 per late payment!

Returns are a hassle
Say you need to return something purchased with a BNPL loan. Your agreement is with the lender, not the retailer. Although you may be able to return the purchase to the retailer, your BNPL loan agreement means you still have to pay for it and hope you get a credit down the line.  

Fewer protections
Make a purchase with your credit card, you can dispute a charge. However, BNPL loans are not subject to the same consumer protections. 

Learn more about BNPL loans before ever using one. And talk to us about our much more convenient credit card options that give you low rates, ease of use, and protections.

Young couple using their laptop and analyzing their finances

Making Tax Day less taxing

The good news is Tax Day is a few days later this year — April 18. The even better news, VCCU members can get great savings on TurboTax and H&R Block services.

Save up to $15 off TurboTax’s federal tax service 

Using your smartphone, take a photo of your W-2 or 1099-NEC and TurboTax puts your info in all the right places. Then you’ll be guided through a series of step-by-step questions. And TurboTax automatically reviews your return from beginning to end, so you can be confident it’s accurate before you file. Get started now. 

TurboTax también está disponible en español aquí.

Need help from a tax pro?

Get expert help preparing your taxes with or without an office visit and get tax help year-round with H&R Block’s services. And new clients can save $25. See details here.

Repayment Plan Options

Student loan repayments begin May 1

The repayment freeze on eligible student loans is scheduled to end May 1, 2022. A few tips to prepare:

  • Visit your loan servicer’s website and update your contact information and in your profile, too.
  • For most borrowers, auto-debit payment will not restart automatically. Check with your loan servicer to confirm and initiate again if needed.
  • If your income or family size has changed, consider applying for an income-driven repayment plan to make payments more affordable.

Book mark this Federal Student Aid page for more information.
Attend our free Repaying Your Student Loan Webinar.

Get money-smart at our free webinars

Why do our members say they appreciate our free Balance webinars? Because they offer timely information on important financial topics — enjoyed from the comfort of home.

APRIL — The Basics of Saving and Investing

Investing is one of the smartest things consumers can do to secure a brighter financial future. Every investor has different goals, risk tolerance, and cash flow, which will impact savings and investment choices. Participants will learn about savings strategies and tactics, investment tools, and how to develop an investment portfolio that works with their lifestyle and budget.

MAY — Retirement Planning: The Basics

Retirement is something most people look forward to, but may not have planned well in advance. Participants will learn how to harness the power of time, optimize investments to reach their long-term goals, and understand how the economy and taxes can impact their retirement dollars.

JUNE — Free Repaying Your Student Loan webinar

If repaying your student loan will put a heavy burden on your monthly finances, this workshop can help. These days there are many options to help repay these loans. This “Repaying Student Loan” workshop will show attendees about the choices available.

Register now Register for a free webinar

Living Trust and Estate Planning webinar

We’ve scheduled several more Zoom meetings for this popular workshop. Register in advance.

Visit our website as we regularly add new events. 

Register now Register for Living Trust and Estate Planning

Quick Pay makes online (and on-time) loan payments easier

Sign up for Quick Pay and you can pay VCCU loans or make your credit card payment using a checking, savings, or credit/debit card from another financial institution. Make payments up to 6 pm PST on the due date with Quick Pay and still be on time. Read more and sign up here.


The Foundation of VCCU grants

The Foundation of VCCU, our charitable giving arm, recently announced its latest $5,000 grant recipients.

Turning Point
Brain Injury Center
Casa Pacifica
Westminster Free Clinic 
House Farm Workers 
Bike Ventura
Parkinson’s Foundation
The Foundation focuses on supporting the underserved, preservation and beautification of the environment, and health and well-being of all in our community.
Apply for a grant
Grant applications are accepted at any time and reviewed/awarded in February and August. If you are a qualified tax-exempt 501(c)(3) organization based in and serving Ventura or Santa Barbara counties, we encourage you to visit our website and review our application criteria.

April is Youth Month at VCCU

We’re helping kids to “Save Small. Dream Big.” for Youth Month

This month, encourage the kids in your life to open VCCU accounts. We’ll have fun prizes, social media contests, and more. See all that’s happening here

Successful events thanks to you

Blood Drive
As our country faces a national blood crisis, we’re so grateful to members and our employees who donated. Thanks to you, the amount of blood donated during this event will directly impact the lives of up to 63 patients, according to the Red Cross. Even better, we had ten first-time donors!

Shred Day Recap
You didn’t let an unseasonably hot February day stop you from safely disposing of nearly 13 tons of personal documents. Congratulations to these members who won $25 Amazon Gift Cards for participating:

  • Bonnie M.
  • Joan R.
  • Anayeli T.
  • Christina C.

Food Share CAN-tree donations
Thank you to our members who donated so generously in support of our Food Share CAN-tree Food Drive. We were honored to be given the Best Theme award and 2nd Can Crusher status for creating 20 trees! We raised $13,300 which is enough to provide 79,800 meals. For every $100 you donated you’re providing 600 nutritious meals to our friends and neighbors struggling with the stress of hunger and food insecurity. We also want to thank the 30 VCCU employees who donated their time to create our award-winning trees.

Don’t let your account lapse

VCCU is legally required to close an account that has not had activity for three years; funds in these accounts must be turned over to the State of California. You can prevent this by making a transaction on the account (unfortunately automatic transactions don’t count) or simply contacting us to confirm you want to keep the account open.

Introducing Zelle - Click for detailsCredit cards for every need. Click to apply.