Competitive rates to help you save for your future.
Day in and day out, your dividend earnings add up.
Holiday Schedule
VCCU offices will be closed on Monday, July 4th in observance of Independence Day. See our full holiday schedule here.
Day in and day out, your dividend earnings add up.
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% |
Traditional, Roth, SEP and Coverdell Education Savings
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!