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.


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Tips for Traveling with Your VCCU Credit Card this Summer

by VCCU | May 25, 2019
Young women surrounded by travel items holding her VCCU Mastercard credit cardWith the start of summer just around the corner, we know many of our members are gearing up for vacations. Whether you’re getting away for the weekend or finally taking that dream vacation you’ve been imagining for years, here are a few things to remember about your VCCU credit card to make your trip as enjoyable and hassle-free as possible.

Give us a call before you go

Sometimes if you change your normal spending patterns or your credit card is used in an atypical location, it will get flagged for unusual activity. You won’t be able to use it until you give us a call and we know how difficult that can be. So, if you’re planning to spend more than you typically would, or you’re going to a place you don’t usually visit, contact us first. It will help us to protect your card and it will save you the time and headache of having to call us while you’re away, giving you more time to enjoy your vacation.

Traveling abroad?

Visiting other countries is a great way to learn about different cultures and customs. But remember if you use your VCCU credit card outside of the United States, a foreign transaction fee of 3 percent will be added to every purchase you make, regardless of whether the transaction is in U.S. dollars.

Save money with Benefits Plus

Sign up for the Benefits Plus program to enjoy discounts on a variety of travel related products and services, including airfare, hotels, cruises, theme park admission, ski lift tickets and more. The program is free for members 55 and older who have a Zeal checking account and only $5/month for all other members.

Additional steps to protect your card 

  • Bring a copy of the front and back of your card
  • Don't leave your cards unattended and take advantage of the hotel-provided safe for valuables
  • Save all of your receipts and check them carefully against your monthly statements
  • Monitor your accounts online and if you will be gone for an extended time, set up automatic payment of at least the minimum due to avoid fees
  • Prepay as much as possible before you travel. Transportation, hotels, pre-planned excursions, and car rental payments made ahead of time will decrease the number of times you actually need to use your credit cards
  • Download and use the Apple, Samsung or Android payment apps on your phone

What to do if your VCCU credit card is lost or stolen

It’s not something you want to think about while planning a relaxing vacation, but it does happen. And it helps to be prepared. If your card is lost or stolen while you’re away, call us immediately at 805.477.4000 to prevent fraudulent activity on your account and request a replacement card.

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.