Competitive rates to help you save for your future.
Day in and day out, your dividend earnings add up.
Deposit Rates
Growing your money is our goal.
Open an Account: Deposit Rates Request an Appointment: Deposit Rates
Savings accounts, Money Markets, and Share Certificates all offer exceptional ways to grow your money at Ventura County Credit Union.
| Term | $1,000/+ Dividend Rate | $1,000/+ APY | $10,000/+ Dividend Rate | $10,000/+ APY | $25,000/+ Dividend Rate | $25,000/+ APY |
|---|---|---|---|---|---|---|
| 6 Months | 0.65% | 0.65% | 0.65% | 0.65% | 0.65% | 0.65% |
| 12 Months | 1.24% | 1.25% | 1.24% | 1.25% | 1.24% | 1.25% |
| 24 Months | 2.23% | 2.25% | 2.23% | 2.25% | 2.23% | 2.25% |
| 36 Months | 0.75% | 0.75% | 0.75% | 0.75% | 0.75% | 0.75% |
| 48 Months | 1.49% | 1.50% | 1.49% | 1.50% | 1.49% | 1.50% |
| 60 Months | 2.47% | 2.50% | 2.47% | 2.50% | 2.47% | 2.50% |
| Term | $5,000/+ Dividend Rate | $5,000/+ APY | $25,000/+ Dividend Rate | $25,000/+ APY | $50,000/+ Dividend Rate | $50,000/+ APY |
|---|---|---|---|---|---|---|
| 18 Months | 1.93% | 1.95% | 1.93% | 1.95% | 1.93% | 1.95% |
| 24 Months | 2.23% | 2.25% | 2.23% | 2.25% | 2.23% | 2.25% |
| Type | Dividend Rate | APY |
|---|---|---|
| Up to $500* | 0.00% | 0.00% |
| $500*/+ | 0.05% | 0.05% |
| $2,500/+ | 0.05% | 0.05% |
| $10,000/+ | 0.10% | 0.10% |
| $25,000/+ | 0.15% | 0.15% |
| $50,000/+ | 0.20% | 0.20% |
| $100,000/+ | 0.25% | 0.25% |
| Type | Dividend Rate | APY |
|---|---|---|
| Up to $500 | 0.00% | 0.00% |
| $500/+ | 0.05% | 0.05% |
| $2,500/+ | 0.05% | 0.05% |
| $10,000/+ | 0.10% | 0.10% |
| $25,000/+ | 0.15% | 0.15% |
| $50,000/+ | 0.20% | 0.20% |
| $100,000/+ | 0.25% | 0.25% |
| Dividend Rate | APY |
|---|---|
| 0.05% | 0.05% |
| Term | $500 Dividend Rate | $500 APY | $1,000 Dividend Rate | $1,000 APY | $2,500 Dividend Rate | $2,500 APY |
|---|---|---|---|---|---|---|
| 6 Month Certificate Basic | 0.75% | 0.75% | 0.75% | 0.75% | Not Applicable | Not Applicable |
| 6 Month Certificate Plus | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 0.35% | 0.35% |
Available IRAs
Traditional, Roth, SEP and Coverdell Education Savings
IRA Options
3,4 and 5 year IRA certificates give you more options to help you plan for a secure and rewarding retirement. Enjoy possible tax benefits (consult your tax advisor).
| Up to $1,000 Dividend Rate | Up to $1,000 APY | $1,000/+ Dividend Rate | $1,000/+ APY | $10,000/+ Dividend Rate | $10,000/+ APY | $25,000/+ Dividend Rate | $25,000/+ APY |
|---|---|---|---|---|---|---|---|
| 0.20% | 0.20% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% |
| Term | $1,000/+ Dividend Rate | $1,000/+ APY | $10,000/+ Dividend Rate | $10,000/+ APY | $25,000/+ Dividend Rate | $25,000/+ APY |
|---|---|---|---|---|---|---|
| 1 Year Certificate | 1.34% | 1.35% | 1.34% | 1.35% | 1.34% | 1.35% |
| 2 Year Certificate | 2.32% | 2.34% | 2.32% | 2.34% | 2.32% | 2.34% |
| 3 Year Certificate | 0.85% | 0.85% | 0.85% | 0.85% | 0.85% | 0.85% |
| 4 Year Certificate | 1.59% | 1.60% | 1.59% | 1.60% | 1.59% | 1.60% |
| 5 Year Certificate | 2.57% | 2.60% | 2.57% | 2.60% | 2.57% | 2.60% |
| Term | $1,000/+ Dividend Rate | $1,000/+ APY | $10,000/+ Dividend Rate | $10,000/+ APY | $25,000/+ Dividend Rate | $25,000/+ APY |
|---|---|---|---|---|---|---|
| 18 Months | 2.03% | 2.05% | 2.03% | 2.05% | 2.03% | 2.05% |
| 24 Months | 2.32% | 2.34% | 2.32% | 2.34% | 2.32% | 2.34% |
| Type | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| Get Fit IRA Savings | Up to $1,000 | 0.05% | 0.05% |
| Get Fit IRA 1 Year Certificate | $1,000/+ | 1.44% | 1.45% |
| Type | Dividend Rate | APY |
|---|---|---|
| Checking | 0.00% | 0.00% |
| Business Analyzed Checking | 0.00% | 0.00% |
| Type | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| Savings | Up to $25 | 0.00% | 0.00% |
| Savings | $25/+ | 0.05% | 0.05% |
| Minimum Deposit | Dividend Rate | APY |
|---|---|---|
| Up to $25 | 0.00% | 0.00% |
| $25/+ | 0.05% | 0.05% |
| Minimum Deposit | Dividend Rate | APY |
|---|---|---|
| Up to $25 | 0.00% | 0.00% |
| $25/+ | 0.10% | 0.10% |
VCCU is a full-service, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join!
I wanted to get a loan and have low monthly payments. VCCU was able to deliver and I enjoyed the staff. Very welcoming!
Jesse M., Camarillo Branch
You are welcome to request additional information regarding fees and terms applicable to any advertised account. A substantial penalty is assessed on funds withdrawn prior to maturity on all term accounts. All dividends are calculated on the ending daily balance. Earned dividends on non-term accounts are posted on the first day of the following month.
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Earned dividends on certificate accounts are posted monthly on the anniversary date with all earned but unpaid dividends posted at maturity. Dividends are forfeited if the account is closed before the end of the dividend period. Dividends and Annual Percentage Yield (APY) are declared by the Board of Directors monthly and are not guaranteed. Dividends are paid from current income and available earnings after required reserve transfer.
Variable rate may change after account opening. All yields, rates and/or terms are subject to change without notice.
*Fees may reduce earnings on Certificates and Money Market Accounts. See Fee Schedule for details.