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Scheduled Maintenance Online Banking, Mobile Banking, and Telephone Teller services may be temporarily unavailable starting at 10:00 p.m. on Saturday, December 14th until 4:00 a.m. on Sunday, December 15th for scheduled system maintenance.
Tap into a loan fund that opens the door to new possibilities in California.
For primary residences and second homes, VCCU will cover most closing costs associated with a HELOC. These costs may include the credit report, junior limited title policy, flood certification, recording fees, local notary fees, automated valuation module, and property search. If a full appraisal is requested by the member to validate the property value obtained, the cost will be paid by the member. Additionally, the member is responsible for the following fees if applicable: unique services that are not part of our standard services, which may include Title charges to clear or transfer liens, Escrow fees for changes in title/vesting, payoff fees for credit cards, and additional liens.
For investment properties, the borrower is responsible for paying all fees associated with the HELOC. These fees include the following: junior limited title policy, flood certification, recording fees, local notary fees, automated valuation module, and/or appraisal fee, as well as title charges to clear or transfer liens, escrow fees for changes in title/vesting, and payoff fees for credit cards and additional liens.
If the line of credit is paid off and closed during the first thirty-six (36) months following the date of the Note, an Early Termination Fee of $500 is charged to reimburse the Credit Union for closing costs associated with the HELOC.
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!
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