We have a loan for every stage of life.
Our goal is to make your next big plans or project a reality.
Loan Rates
Get the funds you need at a competitive, affordable price.
Contact Us: Loan Rates Request an Appointment: Loan Rates
At Ventura County Credit Union, we offer a wide range of loans that can help you buy a car, remodel your home, pay off medical bills, and much more.
But all have one thing in common - affordable rates that make repayment easier.Vehicle Loan Rates
| Type | Term | APR* (as low as) |
|---|---|---|
| New and Used Vehicles | Up to 36 months | 2.49% |
| New and Used Vehicles | Up to 84 months | 3.54% |
- Up to 135% Financing (Based on Creditworthiness)
- Longer terms available on qualifying loans
- Monthly payment per $1,000 borrowed for a 36-month term at 2.49% APR: $28.86
- Monthly payment per $1,000 borrowed for a 84-month term at 3.54% APR: $13.46
| Type | Term | APR* (as low as) |
|---|---|---|
| New and Used Vehicles | Up to 48 months | 9.99% |
| New and Used Vehicles | Up to 60 months | 10.49% |
- Up to 100% Financing (Based on Creditworthiness)
- Longer terms available on qualifying loans
- Monthly payment per $1,000 borrowed for a 48-month term at 9.99% APR: $25.36
- Monthly payment per $1,000 borrowed for a 60-month term at 10.49% APR: $21.49
| Type | Term | APR* (as low as) |
|---|---|---|
| New and Used Vehicles | Up to 48 months | 3.54% |
| New and Used Vehicles | Up to 60 months | 3.74% |
- Up to 120% Financing (Based on Creditworthiness)
- Longer terms available on qualifying loans
- Monthly payment per $1,000 borrowed for a 36-month term at 3.24% APR: $29.19
- Monthly payment per $1,000 borrowed for a 48-month term at 3.54% APR: $22.37
| Type | Term | APR* (as low as) |
|---|---|---|
| New and Used Motorcycle | Up to 60 months | 5.49% |
| New and Used Motorcycle | Up to 84 months | 6.24% |
- Up to 100% Financing (Based on Creditworthiness)
- Monthly payment per $1,000 borrowed for a 60-month term at 5.49% APR: $19.10
- Monthly payment per $1,000 borrowed for a 84-month term at 6.24% APR: $14.72
| Type | Term | APR* (as low as) |
|---|---|---|
| New or Used | Up to 48 months | 6.25% |
| New or Used | Up to 72 months | 6.50% |
| New or Used | Up to 120 months | 6.75% |
- Up to 100% Financing (Based on Creditworthiness)
- Monthly payment per $1,000 borrowed for a 72-month term at 6.50% APR: $16.81
| Type | Term | APR* (as low as) |
|---|---|---|
| New or Used | Up to 48 months | 6.25% |
| New or Used | Up to 72 months | 6.50% |
| New or Used | Up to 120 months | 6.75% |
- Up to 100% Financing (Based on Creditworthiness)
- Longer terms available for new boat loans over $50,000
- Monthly payment per $1,000 borrowed for a 72-month term at 6.50% APR: $16.81
| Type | Term | APR* (as low as) |
|---|---|---|
| New or Used | Up to 48 months | 6.25% |
| New or Used | Up to 72 months | 6.50% |
| New or Used | Up to 120 months | 6.75% |
- Up to 100% Financing (Based on Creditworthiness)
- Shorter terms available on qualifying loans
- Monthly payment per $1,000 borrowed for a 72-month term at 6.50% APR: $16.81
Credit Cards
| Type | Term | APR (as low as)* |
|---|---|---|
| Platinum Rewards | Variable | 10.70% |
| Platinum | Variable | 8.70% |
APR will vary with the market based on the Prime Rate plus margin.
Personal Loan Rates
| Term | APR† (as low as) |
|---|---|
| Self-replenishing | 8.95% |
- Up to $30,000 cash at a reasonable rate or use as overdraft protection for checking
*Annual Percentage Rate (APR) includes .25% discount for automatic transfer from a VCCU checking account. Variable rate subject to increase after account opening. Payment example: Assuming a $10,000 loan and 48-month term, the monthly payment would be $250.96. Payment amount is 3% of unpaid balance.
| Term | APR* (as low as) |
|---|---|
| Up to 60 months | 8.95% |
- Monthly payment per $1,000 borrowed for a 60-month term at 8.95% APR: $20.75
| Type | Term | APR* (as low as) |
|---|---|---|
| Computers, printers, televisions, mobile phones | Up to 18 months | 7.00% |
| Software | Up to 36 months | 9.00% |
- Monthly payment per $1,000 borrowed for a 18-month term at 7.00% APR: $58.71
- Monthly payment per $1,000 borrowed for a 36-month term at 9.00% APR: $31.82
| Type | Maximum | Term | APR |
|---|---|---|---|
| Share-secured | Total of regular shares on deposit | 12 months | 5.00% |
| Share-secured | Total of regular shares on deposit | 24 months | 5.50% |
| Share-secured | Total of regular shares on deposit | 36–60 months | 5.75% |
| Certificate-secured | Total of Certificate | Term of Certificate | 3.00% over Certificate face rate |
- Monthly payment per $1,000 borrowed for a 12-month term at 5.00% APR: $85.62
- Monthly payment per $1,000 borrowed for a 24-month term at 5.50% APR: $44.11
- Monthly payment per $1,000 borrowed for a 60-month term at 5.75% APR: $19.23
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
Rates subject to change without notice. The rate and terms for products are determined by the applicant’s credit, payment history, income and collateral. All loans subject to credit and collateral approval.
*Annual Percentage Rate (APR) includes .25% discount for automatic transfer. Variable rate subject to increase after account opening. †Variable rate based on Prime Rate index as published in the Wall Street Journal, plus margin. Rates adjust quarterly.