We have the keys to your new home.

We offer a portfolio of loans with competitive mortgage rates for new purchases or refinances; no prepayment penalties and tax advantages.**

Fixed-Rate Mortgage Loans

Simplify your household budgeting with a VCCU fixed-rate mortgage loan. Your monthly payment won't change over the life of the loan.

  • Flexible loan terms available: 10, 15, 20 and 30 years
  • Great for primary, secondary or vacation homes
  • Get cash out of your mortgage to consolidate debt or pay for future home improvements

Jumbo Mortgage Loans

If you need to borrow more than the limit on a conventional loan, a Jumbo Loan from Ventura County Credit Union may be your answer.

  • Conforming/high-balance between $726,201 and $948,750 in Ventura County
  • Non-conforming/high-balance up to $1.5 million in Ventura County
  • Choose a 15-year or 30-year term

Adjustable Rate Mortgage (ARM) Loans

Adjustable Rate Mortgages (ARMs) come with a lower initial interest rate - and therefore a lower monthly payment.

  • 5/5, 5/6 and 7/6 ARM options available
  • Your rate and your payment will change according to your loan terms
  • A good choice if you expect your income to rise or you plan to move again in a few years

Home Equity Loans

You might have heard these loans referred to as second mortgages.

  • Fixed-rate loans
  • 10-, 15- and 20-year options available
  • Useful for consolidating debt or making home improvements

Piggyback Loans

A unique option that includes one loan for the majority of your borrowed amount and a second that “piggybacks” on the first and covers the remaining amount.

  • Lower down payment and total monthly payments
  • No monthly private mortgage insurance (PMI) costs
  • Great for first-time home owners

Veterans Affairs (VA) Loans

VCCU is proud to offer government-backed loans that include a number of financial advantages.

  • Active duty military, veterans and reservists are eligible
  • 15-year and 30-year loans available
  • Down payments as low as 0% with reduced closing costs and no monthly mortgage insurance

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



I became a member in 2017 when my sister in law told me about your awesome mortgage rates and I then refinanced my home with VCCU.

Jorge S., Port Hueneme

All loans subject to approval. VCCU is an Equal Housing Opportunity lender.
**Consult with your tax advisor.