We have a loan for every stage of life.
Competitive loan rates to make your next big plans or project a reality.
Loan Rates
Get the loan you need at an affordable price.
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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
| Type | Term | APR* (as low as) |
|---|---|---|
| New and Used Vehicles | Up to 36 months | 5.49% |
| New and Used Vehicles | Up to 60 months | 5.99% |
- 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
| Type | Term | APR* (as low as) |
|---|---|---|
| New and Used Vehicles | Up to 48 months | 8.74% |
| New and Used Vehicles | Up to 60 months | 8.99% |
- 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
| Type | Term | APR* (as low as) |
|---|---|---|
| New and Used Vehicles | Up to 48 months | 7.04% |
| New and Used Vehicles | Up to 60 months | 6.99% |
- 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
| Type | Term | APR* (as low as) |
|---|---|---|
| New and Used Motorcycle | Up to 60 months | 7.24% |
| New and Used Motorcycle | Up to 84 months | 7.99% |
- 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
| Type | Term | APR* (as low as) |
|---|---|---|
| New or Used | Up to 48 months | 7.00% |
| New or Used | Up to 72 months | 7.25% |
| New or Used | Up to 120 months | 7.50% |
- 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
| Type | Term | APR* (as low as) |
|---|---|---|
| New or Used | Up to 48 months | 7.00% |
| New or Used | Up to 72 months | 7.25% |
| New or Used | Up to 120 months | 7.50% |
- 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
| Type | Term | APR* (as low as) |
|---|---|---|
| New or Used | Up to 48 months | 7.00% |
| New or Used | Up to 72 months | 7.25% |
| New or Used | Up to 120 months | 7.50% |
- 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
| Type | Term | APR (as low as)* |
|---|---|---|
| Platinum Rewards | Variable | 14.95% |
| Platinum | Variable | 12.95% |
APR will vary with the market based on the Prime Rate plus margin.
Personal Loan Rates
| Term | APR† (as low as) |
|---|---|
| Self-replenishing | 13.20% |
- Up to $30,000 cash at a reasonable rate or use as overdraft protection for checking
- Minimum payment will be 3.00% of the outstanding balance or $25.00, whichever is greater
| Term | APR* (as low as) |
|---|---|
| Up to 60 months | 10.70% |
- Monthly Signature/Lifestyle Loan payment per $1,000 borrowed for a 60-month term at 10.70% APR: $21.59
| Type | Term | APR* (as low as) |
|---|---|---|
| Computers, printers, televisions, mobile phones | Up to 18 months | 7.00% |
| Software | Up to 36 months | 9.00% |
- 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
| Type | Maximum | Term | APR |
|---|---|---|---|
| Share-secured | Total of regular shares on deposit | 12 months | 5.00% |
| Share-secured | Total of regular shares on deposit | 24 months | 5.50% |
| Share-secured | Total of regular shares on deposit | 36–60 months | 5.75% |
| Certificate-secured | Total of Certificate | Term of Certificate | 3.00% over Certificate face rate |
- 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.