Pay off high-cost credit cards

Take summer easy with affordable payments for any budget.

Payoff Credit Cards - $43/mo - $87/mo - $130/mo

Spend less 💰 and save more 🕐

With our best rate as low as 6.95% APR,* paying off one credit card or a pocket full using our Summer Choice loan gives you one predictable monthly amount and a single payment to manage. 
Have your eye on new patio furniture or finally tackling your household project list instead? Take advantage of our special deal on a personal loan and you’ll get 2% off the lowest rate you qualify for.


  • $500 for just $43 per month*
  • $1,000 for just $87 per month*
  • $5,000 for $130 per month*

Apply for your Summer Choice Loan online or at any branch, but hurry – offer expires August 31.

Need a break from making the next payment on your VCCU personal, auto or credit card loan? You can with Skip-A-Pay**. Call us at 805.477.4000 or sign in to Online Banking to see if your loan is eligible.

VCCU is a full-service, Southern California credit union with branches in VenturaPort HuenemeOxnardRiverParkCamarilloThousand OaksSimi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join!

*Includes 2% rate discount. Annual Percentage Rate effective 6/1/21 is a promotional rate which is subject to change and includes one-quarter percent discount for automatic payment from a VCCU checking or savings account. This is an offer to apply and cannot be used in conjunction with any preapproval offers. All loans subject to credit approval. APR you receive will be based upon your creditworthiness. Verification of income may be required. Other restrictions may apply. Promotional offer may end at any time and cannot be used to refinance existing loans. 

Monthly payments shown are for a 12-month term at 6.95% APR. Terms up to 60 months are available. 
$500 = $42.26; $1,000 = 86.52; $1,500 = $129.78. Not valid after August 31, 2021.

**Eligibility restrictions and a small fee may apply. If you skip a payment, interest will continue to accrue and the total amount you pay over the life of the loan will be slightly higher.