Competitive interest rates to help you save for your future.
Day in and day out, your dividend earnings add up at Ventura County Credit Union.
Deposit Rates
Growing your money is our goal.
Open an Account: Deposit Rates Request an Appointment: Deposit Rates
Our interest rates on Savings accounts, Money Markets, and Share Certificates all offer exceptional ways to grow your money.
| Type | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 13 Month Certificate | $1,000/+ | 3.45% | 3.50% |
- No early withdrawal penalty
- Certificate will revert to 12 month certificate rate/term in effect at maturity
| Term | $1,000/+ Dividend Rate | $1,000/+ APY | $10,000/+ Dividend Rate | $10,000/+ APY | $25,000/+ Dividend Rate | $25,000/+ APY |
|---|---|---|---|---|---|---|
| 6 Months | 3.45% | 3.50% | 3.45% | 3.50% | 3.45% | 3.50% |
| 12 Month | 3.45% | 3.50% | 3.45% | 3.50% | 3.45% | 3.50% |
| 24 Months | 3.20% | 3.25% | 3.20% | 3.25% | 3.20% | 3.25% |
| 36 Months | 3.199% | 3.25% | 3.199% | 3.25% | 3.199% | 3.25% |
| 48 Months | 3.199% | 3.25% | 3.199% | 3.25% | 3.199% | 3.25% |
| 60 Months | 3.200% | 3.25% | 3.200% | 3.25% | 3.200% | 3.25% |
| Term | $5,000/+ Dividend Rate | $5,000/+ APY | $25,000/+ Dividend Rate | $25,000/+ APY | $50,000/+ Dividend Rate | $50,000/+ APY |
|---|---|---|---|---|---|---|
| 18 Months | 2.955% | 3.00% | 2.955% | 3.00% | 2.955% | 3.00% |
| 24 Months | 2.955% | 3.00% | 2.955% | 3.00% | 2.955% | 3.00% |
| Type | Dividend Rate | APY |
|---|---|---|
| Up to $500* | 0.10% | 0.10% |
| $500*/+ | 0.10% | 0.10% |
| $2,500/+ | 0.60% | 0.60% |
| $10,000/+ | 0.70% | 0.70% |
| $25,000/+ | 0.80% | 0.80% |
| $50,000/+ | 0.90% | 0.90% |
| $100,000/+ | 1.00% | 1.00% |
| Type | Dividend Rate | APY |
|---|---|---|
| $25,000/+ | 1.00% | 1.00% |
| $50,000/+ | 1.09% | 1.10% |
| $100,000/+ | 1.74% | 1.75% |
| $200,000/+ | 2.23% | 2.25% |
| Type | Dividend Rate | APY |
|---|---|---|
| Up to $500 | 0.10% | 0.10% |
| $500/+ | 0.10% | 0.10% |
| $2,500/+ | 0.60% | 0.60% |
| $10,000/+ | 0.70% | 0.70% |
| $25,000/+ | 0.80% | 0.80% |
| $50,000/+ | 0.90% | 0.90% |
| $100,000/+ | 1.00% | 1.00% |
| Dividend Rate | APY |
|---|---|
| 0.10% | 0.10% |
| Term | $500 Dividend Rate | $500 APY | $1,000 Dividend Rate | $1,000 APY | $2,500 Dividend Rate | $2,500 APY |
|---|---|---|---|---|---|---|
| 6 Month Certificate Basic | 3.538% | 3.60% | 3.538% | 3.60% | ||
| 6 Month Certificate Plus | 3.538% | 3.60% |
Available IRAs
Traditional, Roth, SEP and Coverdell Education Savings
IRA Options
3,4 and 5 year IRA certificates give you more options to help you plan for a secure and rewarding retirement. Enjoy possible tax benefits (consult your tax advisor).
| Up to $1,000 Dividend Rate | Up to $1,000 APY | $1,000/+ Dividend Rate | $1,000/+ APY | $10,000/+ Dividend Rate | $10,000/+ APY | $25,000/+ Dividend Rate | $25,000/+ APY |
|---|---|---|---|---|---|---|---|
| 0.20% | 0.20% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25 |
| Term | $1,000/+ Dividend Rate | $1,000/+ APY | $10,000/+ Dividend Rate | $10,000/+ APY | $25,000/+ Dividend Rate | $25,000/+ APY |
|---|---|---|---|---|---|---|
| 1 Year Certificate | 3.546% | 3.60% | 3.546% | 3.60% | 3.546% | 3.60% |
| 2 Year Certificate | 3.299% | 3.35% | 3.299% | 3.35% | 3.299% | 3.35% |
| 3 Year Certificate | 3.300% | 3.35% | 3.300% | 3.35% | 3.300% | 3.35% |
| 4 Year Certificate | 3.300% | 3.35% | 3.300% | 3.35% | 3.300% | 3.35% |
| 5 Year Certificate | 3.299% | 3.35% | 3.299% | 3.35% | 3.299% | 3.35% |
| Term | $1,000/+ Dividend Rate | $1,000/+ APY | $10,000/+ Dividend Rate | $10,000/+ APY | $25,000/+ Dividend Rate | $25,000/+ APY |
|---|---|---|---|---|---|---|
| 18 Months | 2.960% | 3.00% | 2.960% | 3.00% | 2.960% | 3.00% |
| 24 Months | 2.960% | 3.00% | 2.960% | 3.00% | 2.960% | 3.00% |
| Type | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| Get Fit IRA Savings | Up to $1,000 | 0.10% | 0.10% |
| Get Fit IRA 1 Year Certificate | $1,000/+ | 3.64% | 3.70% |
| Type | Dividend Rate | APY |
|---|---|---|
| Simply Essential Checking | 0.00% | 0.00% |
| Type | Dividend Rate | APY |
|---|---|---|
| Simply Classic Checking | 0.00% | 0.00% |
| Type | Dividend Rate | APY |
|---|---|---|
| $25/+ | 0.00% | 0.00% |
| $500/+ | 0.10% | 0.10% |
| $2,500/+ | 0.30% | 0.30% |
| $10,000/+ | 0.35% | 0.35% |
| $25,000/+ | 0.35% | 0.35% |
- Monthly Service fee waived with $2,500 average daily balance and in first 30 days of account opening. See Fee Schedule.
- Dividends are paid monthly based on average daily account balance. Rates are subject to change without notice. Other restrictions may apply.
| Type | Dividend Rate | APY |
|---|---|---|
| Business Checking | 0.00% | 0.00% |
| Type | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| Savings | Up to $25 | 0.00% | 0.00% |
| Savings | $25/+ | 0.10% | 0.10% |
| Minimum Deposit | Dividend Rate | APY |
|---|---|---|
| Up to $25 | 0.00% | 0.00% |
| $25/+ | 0.10% | 0.10% |
| Minimum Deposit | Dividend Rate | APY |
|---|---|---|
| Up to $25 | 0.00% | 0.00% |
| $25/+ | 0.20% | 0.20% |
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
You are welcome to request additional information regarding fees and terms applicable to any advertised account. Unless stated otherwise, a substantial penalty is assessed on funds withdrawn prior to maturity on all term accounts. All dividends are calculated on the ending daily balance. Earned dividends on non-term accounts are posted on the first day of the following month.
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Earned dividends on certificate accounts are posted monthly on the anniversary date with all earned but unpaid dividends posted at maturity. Dividends are forfeited if the account is closed before the end of the dividend period. Dividends and Annual Percentage Yield (APY) are declared by the Board of Directors monthly and are not guaranteed. Dividends are paid from current income and available earnings after required reserve transfer.
Variable rate may change after account opening. All yields, rates and/or terms are subject to change without notice.
*Fees may reduce earnings on Certificates and Money Market Accounts. See Fee Schedule for details.