Mortgage Rates

Our goal is to keep Southern California home ownership within your reach.

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Affordable home loan rates mean easier monthly payments.

Compare home loan types to see which one fits you best.

At Ventura County Credit Union, we offer a wide variety of mortgage options, including fixed-rate, adjustable-rate and Jumbo loans.

Interest rates and repayment terms vary depending on the loan type. Our experienced Home Loan Specialists can explain the differences and help you make the best choice. 
Effective August 26, 2021
Program ID Description Points Rate (as low as) APR (as low as) Est. Payments Per $1,000*
30 30 Year Conforming HomeReady (First Time Buyer) 0.00% 2.990% 3.051% $4.21
30 30 Year Conforming 0.00% 2.990% 3.051% $4.21
14 30 Year High Balance 0.00% 2.990% 3.039% $4.21
31 30 Year Non-Conforming 0.00% 2.990% 3.034% $4.21
43 15 Year Conforming 0.000% 2.375% 2.485% $6.61
15 15 Year High Balance 0.000% 2.375% 2.463% $6.61
19 30 Year Non-Conforming 0.000% 2.990% 3.034% $4.21
Effective August 26, 2021
Program ID Description Points Rate (as low as) APR (as low as) Est. Payments Per $1,000*
87 5/1 ARM 2/2/5 Conforming 1 YR LIBOR*(1) 0.000% 2.375% 2.520% $3.89
88 5/1 ARM 2/2/5 High Balance Loan 1 YR LIBOR*(1) 0.000% 2.375% 2.513% $3.89
88 5/1 ARM 2/2/5 Jumbo 1 YR LIBOR*(1) 0.000% 2.375% 2.503% $3.89
35 5/5 ARM 2/2/5 Conforming 5 YR Treasury CMT*(2) 0.000% 3.875% 4.188% $4.70
35 5/5 ARM 2/2/5 High Balance 5 YR Treasury CMT*(2) 0.000% 4.125% 4.271% $4.85
35 5/5 ARM 2/2/5 Jumbo 5 YR Treasury CMT*(2) 0.000% 4.375% 4.354% $4.99
90 7/1 ARM 2/2/5 Conforming 1 YR LIBOR*(3) 0.000% 2.500% 2.563% $3.95
90 7/1 ARM 2/2/5 High Balance 1 YR LIBOR*(3) 0.000% 2.500% 2.555% $3.95
90 7/1 ARM 2/2/5 Jumbo 1 YR LIBOR*(3) 0.000% 2.500% 2.546% $3.95
(1) Rate is variable and can increase no more than 2 percentage points at the first adjustment after 5 years and 2 percentage points annually after the first adjustment, with a lifetime maximum adjustment of 5%.
(2) Rate is variable and can increase no more than 2 percentage points every 5 years with a lifetime maximum adjustment of 5%.
(3) Rate is variable and can increase no more than 2 percentage points at the first adjustment after 7 years and 2 percentage points annually after the first adjustment, with a lifetime maximum adjustment of 5%. Since the index in the future is unknown, the First estimated payments per $1,000 displayed are based on the starting interest rate as of the date above. At applicant's option VCCU will pay loan origination and third-party fees, with some exceptions. The interest rate will be increase by .25%. Contact VCCU home loan specialist for details.
Effective August 26, 2021
Program ID Description Points Rate (as low as) APR (as low as) Est. Payments Per $1,000*
07 15 Year Fixed VA 0.500% 2.875% 3.152% $6.67
06 30 Year Fixed Conforming VA 0.500% 3.250% 3.425% $4.35
Effective August 9, 2021
Program ID Description Points Rate (as low as) APR (as low as) Est. Payments Per $1,000*
21 20 Year Conforming 0.000% 2.875% 2.962% $5.48
23 10 Year Conforming 0.00% 2.250% 2.411% $9.31
Conventional Conforming Loan Programs (Ventura County) Loans up to $548,250. Annual Percentage Rate (APR) based on a loan amount of $548,250 for the stated term for an owner-occupied single family property with a Loan-to-Value (LTV) of 80%. HomeReady from FNMA is based on a Loan-To-Value (LTV) of 97%, requires Mortgage insurance and an impound account.

Conventional High Balance Loans Loans between $548,251 and $739,450 Ventura County. Annual Percentage Rate (APR) based on a loan amount of $739,450 for the stated term for an owner-occupied single family property with a Loan-to-Value (LTV) of 80%.

Conventional Non-Conforming Loans (Ventura County) Loans over $739,450 up to $1,000,000. Annual Percentage Rate (APR) based on a loan amount of $800,000 for the stated term for an owner-occupied single family property with a Loan-to-Value (LTV) of 80%. Loan Balances between $739,450 up to $1 million qualify for the 30 year non-conforming loan program.

FHA Conforming Loan Programs (Ventura County) Loans up to $548,250. Annual Percentage Rate (APR) based on a loan amount of $548,250 for the stated term for an owner-occupied single family property. Mortgage insurance may be required on FHA loans.

FHA High Balance Loan Programs (Ventura County) Loans between $548,251 and $739,450. Annual Percentage Rate (APR) based on a loan amount of $739,450 for the stated term for an owner-occupied single family property. Mortgage insurance may be required on FHA loans.
Second Trust Deeds
Effective June 3, 2021
Program ID Description Rate (as low as) APR (as low as) Est. Payments Per $1,000*
44 15 Year Fixed 2nd TD 4.750% 4.750% $7.78
69 10 Year Fixed 2nd TD 4.750% 4.750% $10.48
67 20 Year Fixed 2nd TD 4.750% 4.750% $6.46
Adjustable Rate (Owner Occupied Property)
Effective June 3, 2021
Program ID Description Rate (as low as) APR (as low as) Index Prime + Est. Payments Per $1,000*
71 Standard HELOC 75.01% CLTV up to 80% 4.750% 4.750% 1.500% $5.70
71 Standard HELOC 70.01% up to 75% CLTV 3.750% 3.750% 0.500% $5.14
71 Standard HELOC 70% CLTV or less 3.250% 3.250% 0.000% $4.87
The HELOC has a 15 year draw period and then becomes due and payable over a ten (10) year repayment period. Payments are interest only during the draw period. The rate is variable and is subject to change quarterly. Variable rate based on Prime Rate Index as published in the Wall Street Journal. This is a Variable Rate loan with an interest rate floor equal to the start rate and a maximum life interest rate cap of 18%. Early repayment fees may apply. Valid for standard Home Equity Line of Credit only; Minimum loan amount is $20,000. Lifetime maximum of 18% APR. Certain restrictions apply.

Rates for these products are determined by the applicant's credit, payment history, income and collateral and subject to change without notice. Loans are subject to credit approval and secured by lien on residential property. You may borrow up to 80% of the appraised value for owner-occupied property if VCCU is the 1st mortgage holder; combined loan to value cannot exceed 80% for owner-occupied property if VCCU is the 1st mortgage holder. Maximum cash out for owner-occupied property is $350,000. Offer does not include refinances of existing VCCU loans. Maximum 75% CLTV for owner-occupied property if VCCU is NOT the 1st mortgage holder.

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

*Taxes and insurance premiums are not included in the payment and your actual payment obligation will be greater.

(APR) Annual Percentage Rate. All rates are subject to change without notice. Rates are not guaranteed until locked. Rates for these products are determined by the applicant's credit history, payment history, income, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. Loans are subject to credit approval and secured by a lien on owner-occupied homes. Depending on your situation, mortgage insurance may be needed which could increase the monthly payment and APR. Loan programs are subject to change or may be discontinued without notice. Other restrictions may apply.