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Home Loans

Make your big move with our affordable home loan rates and friendly, local Ventura County credit union service.

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Afford your dream home with VCCU's fixed-rate and adjustable-rate mortgage (ARM) options.

Count on our loan experts to find the best low-rate financing option for you.

Compare Home Loans

Work with our experienced Southern California lending professionals to find the perfect mortgage.

Our Home Loan Specialists

Our Southern California home loan experts will provide quality care and friendly service.

First Home Mortgage Loan

Special loan financing for first-time homebuyers

HomeAdvantage® Cash Rewards Program

A real estate benefits program for home buyers and sellers.

Mortgage Relief Assistance

We have resources to help you get back on track.

5/5 ARM - Conforming

as low as

5.886%APR*

View Rates: 5/5 ARM - Conforming

30 Year Fixed - Conforming

as low as

6.085%APR*

View Rates: 30 Year Fixed - Conforming

30 Year Fixed - High Balance

as low as

6.458%APR*

View Rates: 30 Year Fixed - High Balance

30 Year Fixed - Non-Conforming

as low as

6.297%APR*

View Rates: 30 Year Fixed - Non-Conforming

Learn More: View All Rates
*Annual Percentage Rate.

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 have lived in the Conejo Valley for almost 28 years raised my two kids solo here and VCCU was there to help when I refinanced my home, took out a Second, and got a line of credit. The best!

Susan R., Thousand Oaks

All loans subject to approval. 
VCCU is an Equal Housing Opportunity lender.