Loan Rates

Get the funds you need at a competitive, affordable price.

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We have a loan for every stage of life.

Our goal is to make your next big plans or project a reality.

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 interest rates that make repayment easier.

Vehicle Loan Rates

Effective July 1, 2022
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% Car, Truck, SUV and Van Loan 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
Effective July1, 2022
Type Term APR* (as low as)
New and Used Vehicles Up to 48 months 8.99%
New and Used Vehicles Up to 60 months 9.24%
  • Up to 100% Financing for First Time Auto Buyers (Based on Creditworthiness)
  • Longer terms available on qualifying loans
  • Monthly payment per $1,000 borrowed for a 48-month term at 8.99% APR: $24.88
  • Monthly payment per $1,000 borrowed for a 60-month term at 9.24% APR: $20.88
Effective July 1, 2022
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% Auto Loan 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
Effective July 1, 2022
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% Motorcycle Loan Financing 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
Effective July 1, 2022
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% ATV, Jet Ski and Dirt Bike Loan Financing (Based on Creditworthiness)
  • Monthly payment per $1,000 borrowed for a 72-month term at 6.50% APR: $16.81
Effective July 1, 2022
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
Effective July 1, 2022
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% Recreational Vehicle (RV), Travel Trailer and 5th Wheel Loan 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 Rates

Effective July 1, 2022
Type Term APR (as low as)*
Platinum Rewards Variable 12.20%
Platinum Variable 10.20%

APR will vary with the market based on the Prime Rate plus margin.

Credit Card Rates and Fees

Personal Loan Rates

Effective July 1, 2022
Term APR† (as low as)
Self-replenishing 10.45%
  • 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.

Effective July 1, 2022
Term APR* (as low as)
Up to 60 months 8.95%
  • Monthly Signature/Lifestyle Loan payment per $1,000 borrowed for a 60-month term at 8.95% APR: $20.75
Effective July 1, 2022
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 Technology Loan 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
Effective July 1, 2022
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 Share-Secured and Certificate-Secured Loan 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.