Young woman using phone

Get paid up to two days early!

We’re excited to announce you can get your pay sooner with our new Early Payday service.

Early Payday lets you receive recurring or one-time electronic deposits up to two days early. When your employer, Social Security Administration, or Internal Revenue Service will be sending you funds, the Federal Reserve alerts VCCU that funds will soon be transferred. We’ve streamlined the process to make anticipated transfers available to you sooner.

If you already have direct deposit set up for your paycheck, Social Security, or tax refunds, there is nothing you need to do. Early Pay is automatic.

Don’t have direct deposit? Contact your employer first or set it up today here. Learn more about Early Payday.


Young woman holding credit card

Financial Literacy Month

Two centuries ago, Ben Franklin wrote that “An investment in knowledge pays the best interest” and his words remain true today. Helping our members make informed financial decisions is woven into our mission and everything we do.

April is Financial Literacy Month and we’re celebrating by sharing information, resources, and the chance to WIN $500! Learn more and enter our Financial Literacy Month Challenge HERE!

Financial knowledge is power

In April we are sharing some of the most requested tips and best practices for a healthier financial life. Join us each week as we present key financial videos and helpful resources on social media. Here is a sneak peek at the topics we will be covering:

Saving early
The earlier you start, the better! And if you have children, it’s important for them to learn the value of saving too. Join us in branch and online the 3rd week of April for goodies and giveaways in celebration of Youth Week.

Building a budget
Setting and following a budget gives you control over your money and is the foundation for achieving all your financial goals.

Managing your credit and getting out of debt
High-interest debt can grow very quickly and make it harder to pay off over time. We have resources available to help you get back on track.

Planning for Retirement
From IRAs to employer-sponsored plans, find out what you can do for a happier retirement.

You don’t need to wait for #FinLitMonth to get started. You can learn year-round by visiting our Financial Education hub online.


Welcome mat

Unlocking the door to homeownership

“A place to call my own” is what many first-time homebuyers say is the reason they want to buy a home. A down payment is often what stops them from making this a reality.

Introducing First Home Mortgage Loan

We’re proud to be helping members in Ventura County reach their homebuying goal with a loan specifically designed to help first-time as well as low- to moderate-income buyers. We’re eliminating barriers as well as providing homebuyer education to help you make the best decisions.

  • Available to first-time homebuyers (or those who have not owned a home in the past 36 months)
  • Up to 100% financing of purchase price
  • No down payment
  • Single-family homes, townhomes, and condos
  • Completion of homeowner education required prior to funding

Borrowers with household income below 125% of the Area Media Income (AMI), or $144,250 for Ventura County are eligible. The estimated home purchase price limit is $432,750.

Learn more about First Home Mortgage Loans here or contact our Home Loan Specialists to get started.

All loans subject to approval. Equal Housing Opportunity. 


Kevin Brannon on YouTube

Focus on Small Business

In 2022 we started a video series featuring VCCU’s small business members throughout the county. These videos highlight what the business is all about, how they got their start, and how VCCU helped them with their business accounts and commercial loans.

These businesses are staples in the county and mean a lot to the local communities they serve. Our latest video features The Reel Guppy Outdoors, a local non-profit providing learning and real-life sea adventures to the Port Hueneme and Oxnard communities. This program is free to families and their children, teaching them about the wonderful world of fishing and our local sea life.

In the video, owner and longtime member, Kevin Brannon talks about the benefits his organization provides the community and how VCCU helped him get his program off the ground, by providing small business loans and support.

Check out the other businesses featured on our YouTube channel:

Tony’s Pizzeria – Ventura
Ivy Mae Salon – Ventura
Rick’s Bike Shop – Simi Valley
Moorpark Vet – Moorpark

We are so thrilled to be able to help our local businesses and communities thrive. If you have a business or commercial loan account with us, we would love to highlight you in our next video.

Complete this short form to submit your request to be featured in our #SmallBizVCCU series. Restrictions apply.


VCCU headquarters exterior

Join us at our Annual Meeting

You’re invited and encouraged to attend our upcoming Annual Meeting. Hear directly from our leadership about the accomplishments of your member-owned credit union as well as plans for the future. The results from our Board of Directors and Supervisory Committee elections will also be announced at this meeting.

Tuesday, April 25, 2023, at 5:30 pm
VCCU Headquarters at 2575 Vista Del Mar Drive, Suite 101

Father and daughter with piggy bank

Free webinars make financial learning easy

Check out these free webinars packed with useful information and open to anyone. Every session is offered twice each month. Share this schedule with friends and family who might benefit from learning about these important topics.

APRIL — Raising a Money Smart Kid

Earning money, spending, and saving are important lessons early in life. This session will help you learn effective ways to educate your children about money.

MAY — Financially Savvy Seniors

Retirement can be a great time if you’re prepared. Attend this session to learn about managing money in retirement, Medicare, Social Security, and more.

JUNE — Becoming a Homeowner​

This session covers major pre-purchase topics including budgeting, the down payment, credit reports, debt-to-income ratios, and more.

Visit our website as we regularly add new events. 

Winners Maria and Anthony with large check

Winners Colin and Veronica with large check

Congratulations to our Refer A Friend winners

Congratulations to the winners of our $3,000 Refer A Friend contest that was held October through December. Maria referred her son Anthony and said she was thrilled to win and will be using the money to catch up from the holidays. Veronica referred her best friend and neighbor, Colin. They want to treat themselves to something nice and save the rest.

Blood drive

Did you know that each time you donate blood, you’re helping to save as many as three lives? Our local Red Cross blood drive is a fast and convenient way to help.

Wed, June 14, 9 am to 3 pm at 2575 Vista Del Mar Drive, Ventura

Sign-up Here: June Blood Drive


The Foundation of VCCU investing in community

The Foundation of VCCU’s mission is to lend a helping hand and invest in the work of worthy local non-profit groups that elevate our community. We’re proud to announce we recently awarded $40,000 to these organizations.

If your organization supports the underserved, beautification, and/or preservation of our environment, or health and well-being, you may apply for a grant all year round. Grants are awarded in March and August.


Don’t let your account lapse

VCCU is required by law to close a membership account that has not had activity for three years; funds in such inactive accounts must be turned over to the State of California. You can avoid 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.