Debit / ATM Card
Current Deposit Rates
Loans & Credit Cards
Current Loan Rates
Current Mortgage Rates
Check Loan Status
emPower Central Coast Home Upgrade
Benefits of Membership
Community Room Rental
Locations & Directions
Select Employee Group List
Our CFS* Advisors
Your business can benefit from the same value and service we have provided our members for more than 60 years.
Visa Business Credit Card
Looking for a way to handle smaller everyday operating expenses, or to give authorized employees a convenient way to buy supplies and track their purchases? A Visa
Business Credit Card is the solution, whether you have two employees or two hundred.
Overdraft protection can help smooth out your cash flow and avoid overdraft fees and hassles. You only pay interest on the funds you use.
Lines of credit
This credit option comes in handy to improve cash flow and for seasonal business needs. You can repay and redraw the principal any time. You have easy access to your credit line via your local VCCU office, debit card, phone transfer or online banking.
Business Term Loans
A great way to finance major expenditures such a vehicles and equipment purchases, leasehold improvement or expansion. We offer flexible terms and repayment options.
Guaranteed in part by the U.S. government, Small Business Administration (SBA) loans can provide assistance not available with other types of loans and may be an excellent borrowing option for your business.
SBA 7(a) Loan
Need cash flow? The SBA's primary business loan program helps qualified small businesses obtain flexible and affordable financing with better terms and lower monthly payments than other types of business loans. The funds can be used for a variety of general business purposes, including expansion and commercial real estate.
SBA 504 Loan
The 504 Loan Program provides long-term, fixed-rate financing for small businesses to acquire real estate, machinery or heavy equipment for expansion or modernization. These loans require as little as 10% down payment.
SBA Express Loan
Perfect for small businesses looking for working capital lines to leverage receivables and inventory or to purchase machinery and equipment; the SBA Express Loan is an ideal solution to help your business grow. Available for both lines of credit and term loans. the SBA Express offers a more streamlines application process and faster turnaround time.
Business Vehicle Loans
Affordable rates and flexible terms to help you purchase vehicles necessary for your business.
Ready to apply for a business loan?
Visit one of our
or give us a call at 805.477.4000 to get started.