The charts below provide important details concerning VCCU credit cards. This data is accurate as of September 1, 2017, but may have changed following that date. For the most recent information, please contact VCCU by calling 805.477.4000 or write to us at: Ventura County Credit Union, 2575 Vista Del Mar Drive, Suite 100, Ventura, CA 93001 to inquire if any changes have occurred since the effective date.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for purchases

8.95% - 21.95% (Platinum)
9.95% - 21.95% (Platinum Rewards)
APR when you open your account, based on your creditworthiness.
The rate will vary with the market based on Prime Rate.

APR for Cash Advances 8.95% - 21.95% (Platinum)
9.95% - 21.95% (Platinum Rewards)
The rate will vary with the market based on Prime Rate.
APR for Balance Transfers          8.95% - 21.95% (Platinum)
9.95% - 21.95% (Platinum Rewards)
The rate will vary with the market based on Prime Rate.
Paying interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For credit card tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using credit, visit the government's Consumer Finance web site.



Set up and maintenance fees

Annual fee None
Account set-up/Issuance/Application fee None
Program fee None
Participation fee None
Account maintenance fee on closed accounts None
PIN replacement fee None
Card replacement fee $5 per card
Transaction fees
Cash advance transaction fee


Balance transfer fee 3%
0% thru 3/31/18 for any balance transfer made within 30 days of new card opening date
Foreign transaction fee 1% of each foreign transaction, regardless of whether the transaction is in U.S. dollars
Penalty fees

Late Payment fee

If your payment is 5 or more days past due, you will be charged 5.00% of the payment due - $7 maximum

Over credit-limit fee


Returned payment fee

$15 if check deposited and returned from a 3rd party; $25 if check deposited and returned from member's account at another financial institution.

How we calculate your balance We use a method called "Average daily balance (including new purchases)."
Billing rights Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
  • Equal Housing Lender
  • NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.