Ventura County Credit Union

Headquarters

2575 Vista Del Mar Dr, Suite 100
Ventura, CA 93001
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.05%	5.50% →
1-Year CD	0.65%	4.65% →
2-Year CD	0.80%	4.25% →
5-Year CD	1.10%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Ventura County is an NCUA insured institution located in Ventura, CA. It was founded in 1950 and has approximately $1404.63 millions in assets.

Who Can Join?

Individuals who live, work, or attend school in Ventura or Santa Barbara County are eligible to join.


NCUA Insured	Yes / State-Chartered
Charter Number #	# 68458
Date Established	1950
Assets	$1,404.63 million
Loans	$901.71 million
Deposits	$1,247.79 million
Capital	$128.87 million

Field of Membership Restrictions

Membership in Ventura County Credit Union is open to those who live, work, or attend school in Ventura or Santa Barbara Counties in California or belong to one to one of the select employer groups.

Deposit Rates - December 23, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.05%	$2,500	$4,999	Learn More Reviews
Money Market	0.05%	$2,500	$2,999	Learn More Reviews
Money Market	0.20%	$10,000	$14,999	Learn More Reviews
Money Market	0.25%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.65%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.65%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.55%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.55%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.80%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.80%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.95%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.95%	$100,000	$199,999	Learn More Reviews
48 Mo CD	1.00%	$10,000	$14,999	Learn More Reviews
48 Mo CD	1.00%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.10%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.10%	$100,000	$199,999	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.20%	$1	$499	Learn MoreShow Less

Loan Rates - December 23, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Ventura County

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1025894	6.960%	6.875%	0.63	$2,764	$2,103	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.966%	6.875%	0.50	$3,145	$2,103	Learn More
NMLS ID: 3030	7.338%	7.250%	0.88	$2,800	$2,183	Learn More
NMLS ID: 3029						Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Ventura County
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Ventura County branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Ventura County Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Simi Valley Branch	1933.29	A	View Lobby Hours
Moorpark Branch	1941.50	B	View Lobby Hours
Thousand Oaks Branch	1943.07	C	View Lobby Hours
Camarillo Branch	1952.03	D	View Lobby Hours
Oxnard Branch	1957.02	E	View Lobby Hours
Ventura County Credit Union	1959.16	F	View Lobby Hours
Port Hueneme Branch	1960.84	G	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

VENTURA COUNTY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Ventura County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ventura County. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Ventura County	U.S. Average
13.84%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Ventura County had $18,366,050 in non-current loans and $79,680 in owned assets. To cover these potential losses it had $128,867,484 in net worth and $4,453,921 in loans loss reserves. That gives it a Texas Ratio of 13.84%.

Net Worth

Ventura County	U.S. Average
9.14%	13.93%

Ventura County FCU has a net worth of 9.14% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Ventura County

Mark Radner

December 3, 2021 |

When a Credit Union targets homeless people and steals money from a homeless persons account without their consent is disgusting. I am currently homeles and have noticed unauthorized charges going to my account. I contacted Ventura County Credit Union and they admitted stealing money from my account without my authorization by calling it a fee for no address. Call it what you will, I will never do business with a company that is supposed to keep your money safe from being stolen, yet they themselves steal from you. Every month they steal $5 from each person that struggles like I do. Multiply that $5 for each person. Is that 20, 50, 100, 200 or more people? Multiply those numbers. This can easily be Grand Larceny.
Penalties for Grand Theft under California Penal Code 487 PC
California Penal Code 487 PC grand theft is a misdemeanor then the penalty is up to one year in county jail and a fine of up to $1000. If you are convicted of a felony grand theft, then the sentence is up to 3 years of state prison and a maximum $10,000 fine.

These people need to be charged and sentenced.

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Morehealthis.Com

May 3, 2020

Orange County and all of its municipalities are under Curfew, effective March 20, 2020 from 11 p.m. to 5 a.m. For the latest updates from Orange County Government, visit the Orange County Newsroom .

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