Welcome to Ventura County Credit Union! We’re excited to share our financial blog, Living the Life, where members can find useful information on financial trends and forecasts, VCCU events and more.


Blog Posts

Home Loans: Four Steps to Take Toward Home Ownership

by VCCU | May 22, 2018

Are you ready to make the home of your dreams a reality? We understand how daunting the process of buying a house can be even if you’ve already been through it. So, whether you’re a first-time home buyer or a veteran homeowner, we’re available to help. Here are a few steps you can take to get started on your journey.

  1. Check your credit reports 

    Under the Fair Credit Reporting Act (FCRA), you’re entitled to receive one free credit report from each of the three major credit bureaus—Equifax, Experian and Transunion—every year. Because financial institutions review your reports when making lending decisions, it’s important that your credit data is accurate. Review your reports before you start looking for a home. If you find inaccuracies, contact both the credit bureau and the organization that reported the information to dispute the error.
  2. Set your budget and stick to it

    Review your finances and create a housing budget before you start your home search, so you won’t be tempted to spend above your means. Determine how much money you can realistically save for a down payment. And remember that if you don’t have 20 percent, you’ll most likely have to pay Private Mortgage Insurance (PMI). Calculate property taxes and interest rates to determine how they will impact your monthly mortgage payments. And don’t forget about home inspection and appraisal fees, which are typically the buyer’s responsibility.
  3. Choose your real estate agent wisely 

    Because the real estate market can vary drastically based on location, it’s a good idea to work with someone who’s familiar with the area where you want to live. They’ll know how long houses are staying on the market and whether they typically sell at, below or above list price. This information will help you determine whether houses in certain areas are within your budget, and how quickly you’ll need to make an offer if you find a house you like.
  4. Select your mortgage lender

    At VCCU, it’s our goal to put home ownership within your reach. Take advantage money saving services like Home Benefits Plus, a program that rewards you with a 25 percent rebate on real estate commissions when you work with a participating agent during the home buying or selling process.

When you’re ready to get started, our home loan specialists can help. You can submit your mortgage application online or visit one of our local branches to discuss your specific needs. To schedule an appointment, click here or call us at 805.477.4000.

What We Offer

Whether you’re opening your first savings account or need help navigating mortgage options, our pros will provide you with the information, guidance, and confidence you need to make your financial goals a reality. Some of our services include:

  • Accounts: Savings, checking, ATM cards, money markets, IRAs, bill pay and more
  • Credit and Lending Services: Credit cards, auto loans, insurance, personal loans, home loans, mortgage rates, and more
  • Investment Portfolios: Seize opportunities to expand and strengthen your investment portfolio

This is just the beginning of what we have to offer for our members.


Unlike banks, we are not-for-profit which means we do not report to (or make money for) any stock holders. That means we can pass on that savings to you, the member, in the form of:

  • Lower loan rates
  • Lower fees
  • Higher interest on deposits
  • & Much more!

Contact Us Today

To learn more about banking with VCCU or to open an account, visit us at a location near you or call us at 805.477.4000 today.