Deposit Rates

Growing your money is our goal.

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Competitive rates to help you save for your future.

Day in and day out, your dividend earnings add up.

Savings accounts, Money Markets, and Share Certificates all offer exceptional ways to grow your money at Ventura County Credit Union.

Certificates (Fixed Rates)
Effective December 1, 2021
Term $1,000/+ Dividend Rate $1,000/+ APY $10,000/+ Dividend Rate $10,000/+ APY $25,000/+ Dividend Rate $25,000/+ APY
6 Months 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
12 Months 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
24 Months 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
36 Months 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
48 Months 0.60% 0.60% 0.60% 0.60% 0.60% 0.60%
60 Months 0.85% 0.85% 0.85% 0.85% 0.85% 0.85%
Jump-Up Certificates
Effective December 1, 2021
Term $5,000/+ Dividend Rate $5,000/+ APY $25,000/+ Dividend Rate $25,000/+ APY $50,000/+ Dividend Rate $50,000/+ APY
18 Months 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
24 Months 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%
Money Market Access ($500 minimum to open)
Effective December 1, 2021
Type Dividend Rate APY
Up to $500* 0.00% 0.00%
$500*/+ 0.05% 0.05%
$2,500/+ 0.05% 0.05%
$10,000/+ 0.10% 0.10%
$25,000/+ 0.10% 0.10%
$50,000/+ 0.10% 0.10%
$100,000/+ 0.15% 0.15%
Business Money Market Access ($2,500 minimum to open)
Effective December 1, 2021
Type Dividend Rate APY
Up to $500 0.00% 0.00%
$500/+ 0.05% 0.05%
$2,500/+ 0.05% 0.05%
$10,000/+ 0.10% 0.10%
$25,000/+ 0.10% 0.10%
$50,000/+ 0.10% 0.10%
$100,000/+ 0.15% 0.15%
Get Fit Savings Plan
Effective December 1, 2021
Dividend Rate APY
0.05% 0.05%
Get Fit Certificate
Effective December 1, 2021
Term $500 Dividend Rate $500 APY $1,000 Dividend Rate $1,000 APY $2,500 Dividend Rate $2,500 APY
6 Month Certificate Basic 0.35% 0.35% 0.35% 0.35% Not Applicable Not Applicable
6 Month Certificate Plus Not Applicable Not Applicable Not Applicable Not Applicable 0.35% 0.35%

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 December 1, 2021
Up to $1,000 Dividend Rate Up to $1,000 APY $1,000/+ Dividend Rate $1,000/+ APY $10,000/+ Dividend Rate $10,000/+ APY $25,000/+ Dividend Rate $25,000/+ APY
0.20% 0.20% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
IRA Certificates (Fixed Rate)
Effective December 1, 2021
Term $1,000/+ Dividend Rate $1,000/+ APY $10,000/+ Dividend Rate $10,000/+ APY $25,000/+ Dividend Rate $25,000/+ APY
1 Year Certificate 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%
2 Year Certificate 0.60% 0.60% 0.60% 0.60% 0.60% 0.60%
3 Year Certificate 0.60% 0.60% 0.60% 0.60% 0.60% 0.60%
4 Year Certificate 0.70% 0.70% 0.70% 0.70% 0.70% 0.70%
5 Year Certificate 0.95% 0.95% 0.95% 0.95% 0.95% 0.95%
Jump Up IRA Certificate
Effective December 1, 2021
Term $1,000/+ Dividend Rate $1,000/+ APY $10,000/+ Dividend Rate $10,000/+ APY $25,000/+ Dividend Rate $25,000/+ APY
18 Months 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
24 Months 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
Get Fit IRAs
Effective December 1, 2021
Type Minimum Deposit Dividend Rate APY
Get Fit IRA Savings Up to $1,000 0.05% 0.05%
Get Fit IRA 1 Year Certificate $1,000/+ 0.50% 0.50%
Effective December 1, 2021
Type Dividend Rate APY
Checking 0.00% 0.00%
Business Analyzed Checking 0.00% 0.00%
Effective December 1, 2021
Type Minimum Deposit Dividend Rate APY
Savings Up to $25 0.00% 0.00%
Savings $25/+ 0.05% 0.05%
Effective December 1, 2021
Minimum Deposit Dividend Rate APY
Up to $25 0.00% 0.00%
$25/+ 0.05% 0.05%
Effective December 1, 2021
Minimum Deposit Dividend Rate APY
Up to $25 0.00% 0.00%
$25/+ 0.10% 0.10%

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

You are welcome to request additional information regarding fees and terms applicable to any advertised account. 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.