Deposit Rates

Growing your money is our goal.

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Competitive interest rates to help you save for your future.

Day in and day out, your dividend earnings add up at Ventura County Credit Union.

Our interest rates on Savings accounts, Money Markets, and Share Certificates all offer exceptional ways to grow your money.

13 Month No Penalty Certificate (excludes business accounts)
Effective May 17, 2024
  • No early withdrawal penalty
  • Certificate will revert to 12 month certificate rate/term in effect at maturity
Fixed Rate Certificates (Personal and Business)
Effective May 17, 2024
Jump Up Certificates
Effective May 17, 2024
Money Market Access ($500 minimum to open)
Effective May 17, 2024
Money Market Maximizer ($25,000 minimum to open; excludes business accounts)
Effective May 17, 2024
Business Money Market Access ($2,500 minimum to open)
Effective May 17, 2024
Get Fit Savings Plan

Save with this special savings program. Make automatic deposits until you reach a preset goal then the balance is transferred to a special 6-month Certificate.

Effective May 17, 2024
Get Fit Certificate
Effective May 17, 2024

Available IRAs

Traditional, Roth, SEP and Coverdell Education Savings

IRA Options

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).

Variable Rate Savings
Effective May 17, 2024
IRA Certificates (Fixed Rate)
Effective May 17, 2024
Jump Up IRA Certificate
Effective May 17, 2024
Get Fit IRAs
Effective May 17, 2024
Simply Essential Checking
Effective May 17, 2024
Simply Classic Checking
Effective May 17, 2024
Simply Earn Checking
Effective May 17, 2024
  • Monthly Service fee waived with $2,500 average daily balance and in first 30 days of account opening. See Fee Schedule.
  • Dividends are paid monthly based on average daily account balance. Rates are subject to change without notice. Other restrictions may apply. 
Business Checking
Effective May 17, 2024
Savings
Effective May 17, 2024
Business Share Account
Effective May 17, 2024
Holiday Club
Effective May 17, 2024

VCCU is a full-service, 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


You are welcome to request additional information regarding fees and terms applicable to any advertised account. Unless stated otherwise, a substantial penalty is assessed on funds withdrawn prior to maturity on all term accounts. All dividends are calculated on the ending daily balance. Earned dividends on non-term accounts are posted on the first day of the following month.

Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Earned dividends on certificate accounts are posted monthly on the anniversary date with all earned but unpaid dividends posted at maturity. Dividends are forfeited if the account is closed before the end of the dividend period. Dividends and Annual Percentage Yield (APY) are declared by the Board of Directors monthly and are not guaranteed. Dividends are paid from current income and available earnings after required reserve transfer.

Variable rate may change after account opening. All yields, rates and/or terms are subject to change without notice.

*Fees may reduce earnings on Certificates and Money Market Accounts. See Fee Schedule for details.