Youth Programs

Credit unions are not-for-profit financial cooperatives, owned by members and governed by volunteers elected by the entire membership. We return our earnings to member/owners in the form of lower fees, lower loan rates and personalized service. Common to all credit unions is the core value of “people helping people” and one way to do this is to promote financial well being through education.

We are pleased to introduce Googolplex, an online youth education program that use games, stories, calculators, and more to encourage kids from 6 through 18 to gain the skills and knowledge they need to manage their money.

Ever wonder: Which is worth more—a 1978 Boba Fett action figure or a 1989 Hot Wheels Lamborghini? If the U.S. could run out of money? Who's taking money out of your paycheck?

You'll find the answers to these and a googol of other questions by reading our guide for student moneymakers.

Googolplex contains stories, games, and puzzles for elementary, middle, and high school students. It's all about money—getting it, saving it, spending it, borrowing it. It'll show you how business and the economy work and how you can take control of your financial future. And it'll make you laugh.

Log on to Googolplex today. And come back regularly. You'll find something new each month. It's just one more way Ventura County Credit Union can help you make the most of your money.

  • 5 Spot is the place for elementary school kids
  • AJs speaks to middle school students
  • C-Note is geared to teens in high school

MoneyMixTM is written for, and by, people between the ages of 18 and 30. We recognized the need for this generation to do something about how they handled money and wanted to help. So, we joined with some friends at the Credit Union National Association and MoneyMix was developed. We wanted to do a website and we wanted it to be useful so we threw in some interactive tools like Save-to-Buy and Easy Budget, not to mention the checklists and the ability to select your favorite articles. Oh, and we wanted the stuff on the site to be RELEVANT. There are definitely a ton of finance-related websites out there… but how many of these sites focus specifically on YOUR needs? And isn’t it nice to have a reliable place to go for that info?  Click here to enter the MoneyMix. While you are there, take some time to set up your MoneyMix and learn how joining VCCU is just the beginning of a lasting financial partnership.


Once you’ve learned why you should save money, stop by your nearest VCCU office and become a member! There is no cost to open an account if you are under 18 and only $10 otherwise. While you are here, ask for a brochure on our youth accounts geared to specific age groups.


Sunrise— If you are 13 or younger, this is the place where you can learn about money. The Sunrise program will help you by showing you how to save, and can even teach you how to make money!

Rayz—Helps high school students get where you want to go. You know that money is a big deal—how you make and spend it, but especially how you save it. This program was created with members 14-17 in mind, to help you become “money smart.” This program includes free checking, ATM/Debit cards, 24/7 online and mobile banking and more.

Shine—When you turn 18, a full range of VCCU products and services are available to you. This time of life is full of exciting events. Whether you’re thinking about buying your first car, going to college, starting a career or getting married, these events are major and all affect your financial needs. Our Shine program has the financial information, resources, tools, and products and services you need to help plan for life’s milestones and beyond. Whatever the next big step is, we’ve got what you need to help you get there and to make sure you’re taking the right steps for future financial stability. Free checking, auto loans, financial planning and more.

All loans are subject to credit approval. Loan eligibility determined by GPA, VCCU account history, FICO (if available), evidence of income and read/pass credit module/test. Must be 14 years of age to open a youth checking account (Rayz). An adult family member must be a joint account signer on the youth account. At time of account opening, social security card and picture identification is required. Account holders subject to Chex Systems. ATM cards can be issued to minors 14 years of age or older if authorized in writing by the adult joint account signer. Debit cards can be issued to minors 16 years of age or older who have a state issued identification card and if authorized in writing by the adult joint account signer.





















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