We have a loan for every stage of life.

Competitive loan rates to make your next big plans or project a reality.

At Ventura County Credit Union, our loans all have one thing in common: affordable interest rates.

Our competitive loan rates make repayment easier. Whether you need a vehicle loan to help you buy a car, a home equity loan for that remodel you’ve been dreaming of or a personal loan to pay off medical bills, we’ve got you covered.

Explore rates for all of these loans and more below.

Car and Vehicle Loan Rates

Car, Truck, SUV and Van Loan Rates
Effective December 1, 2024
  • Longer terms available on qualifying loans
  • Monthly payment per $1,000 borrowed for a 36-month term at 5.49% APR: $30.19
  • Monthly payment per $1,000 borrowed for a 60-month term at 5.99% APR: $19.33
First Time Auto Buyer Program
Effective December 1, 2024
  • Up to 100% Financing for First Time Auto Buyers (Based on Creditworthiness)
  • Longer terms available on qualifying loans
  • Monthly payment per $1,000 borrowed for a 48-month term at 8.74% APR: $24.76
  • Monthly payment per $1,000 borrowed for a 60-month term at 8.99% APR: $20.75
Business Auto Loan Rates
Effective December 1, 2024
  • Up to 120% Auto Loan Financing (Based on Creditworthiness)
  • Longer terms available on qualifying loans
  • Monthly payment per $1,000 borrowed for a 48-month term at 7.04% APR: $23.96
  • Monthly payment per $1,000 borrowed for a 60-month term at 6.99% APR: $19.80
Motorcycle Loan Rates
Effective December 1, 2024
  • Up to 100% Motorcycle Loan Financing Financing (Based on Creditworthiness)
  • Monthly payment per $1,000 borrowed for a 60-month term at 7.24% APR: $19.91
  • Monthly payment per $1,000 borrowed for a 84-month term at 7.99% APR: $20.27
ATV, Jet Ski and Dirt Bike Loan Rates
Effective December 1, 2024
  • Up to 100% ATV, Jet Ski and Dirt Bike Loan Financing (Based on Creditworthiness)
  • Monthly payment per $1,000 borrowed for a 72-month term at 7.25% APR: $17.17
Boat Loan Rates
Effective December 1, 2024
  • Up to 100% Financing (Based on Creditworthiness)
  • Longer terms available for new boat loans over $50,000
  • Monthly payment per $1,000 borrowed for a 72-month term at 7.25% APR: $17.17
RV, Travel Trailer or 5th Wheel Loan Rates
Effective December 1, 2024
  • Up to 100% Recreational Vehicle (RV), Travel Trailer and 5th Wheel Loan Financing (Based on Creditworthiness)
  • Shorter terms available on qualifying loans
  • Monthly payment per $1,000 borrowed for a 72-month term at 7.25% APR: $17.17

Credit Cards Interest Rates

Effective December 1, 2024

APR will vary with the market based on the Prime Rate plus margin.

Credit Card Rates and Fees

Personal Loan Rates

AdvantageLine Loan Rates
Effective December 1, 2024
  • Up to $30,000 cash at a reasonable rate or use as overdraft protection for checking
  • Assuming a $10,000 loan and 48-month term, the monthly payment would be $271.76. 
Signature/Lifestyle Loan Rates
Effective December 1, 2024
  • Monthly Signature/Lifestyle Loan payment per $1,000 borrowed for a 60-month term at 10.70% APR: $21.59
Technology Loan Rates
Effective December 1, 2024
  • Minimum loan amount $500; maximum loan amount $5,000
  • Monthly Technology Loan payment per $1,000 borrowed for a 18-month term at 7.00% APR: $58.68
  • Monthly payment per $1,000 borrowed for a 36-month term at 9.00% APR: $31.80
Share-Secured and Certificate-Secured Loan Rates
Effective December 1, 2024
  • Monthly Share-Secured and Certificate-Secured Loan payment per $1,000 borrowed for a 12-month term at 5.00% APR: $85.61
  • Monthly payment per $1,000 borrowed for a 24-month term at 5.50% APR: $44.10
  • Monthly payment per $1,000 borrowed for a 60-month term at 5.75% APR: $19.22

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 wanted to get a loan and have low monthly payments. VCCU was able to deliver and I enjoyed the staff. Very welcoming!

Jesse M., Camarillo Branch


Rates subject to change without notice. The rate and terms for products are determined by the applicant’s credit, payment history, income and collateral. All loans subject to credit and collateral approval.

*Annual Percentage Rate (APR) includes .25% discount for automatic transfer. Variable rate subject to increase after account opening.

†Variable rate based on Prime Rate index as published in the Wall Street Journal, plus margin. Rates adjust quarterly.