Loan Rates

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

Contact Us: Loan Rates Request an Appointment: Loan Rates

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 rates that make repayment easier.
Vehicle Loan Rates
Effective October 1, 2021
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
Effective October 1, 2021
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
Effective October 1, 2021
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
Effective October 1, 2021
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
Effective October 1, 2021
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
Effective October 1, 2021
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 October 1, 2021
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
Effective October 1, 2021
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.

Credit Card Rates and Fees

Personal Loan Rates
Effective October 1, 2021
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.

Effective October 1, 2021
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
Effective October 1, 2021
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
Effective October 1, 2021
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 VenturaPort HuenemeOxnardRiverParkCamarilloThousand OaksSimi 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.