Ventura County Credit Union

Ventura, California
Last verified: August 3, 2026
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Verified rate book

Current Ventura County Credit Union rates

49 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

20 offers
Ventura County Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
30 Year Fixed Conforming VA30 year fixed6.696% APR6.625%—Standard
30-Year Fixed30 year fixed6.738% APR6.625%—Standard
30-Year Fixed30 year fixed6.738% APR6.738%—Standard
30 Year Non-Conforming30 year fixed6.827% APR6.750%—Standard
30 Year High Balance30 year fixed6.961% APR6.875%—Standard
VA 15-Year Fixed15 year fixed6.113% APR6.000%—Standard
15-Year Fixed15 year fixed6.176% APR6.000%—Standard
15 Year High Balance15 year fixed6.634% APR6.500%—Standard
10-Year Fixed10 year fixed6.160% APR6.000%—Standard
5/5 ARM 2/2/5 Jumbo5 5 arm6.288% APR6.250%—Standard
5/6 ARM 2/1/5 Jumbo5 1 arm6.414% APR6.250%—Standard
5/6 ARM 2/1/5 High Balance Loan5 1 arm6.420% APR6.250%—Standard
5/6 ARM 2/1/5 Conforming5 1 arm6.451% APR6.250%—Standard
5/5 ARM 2/2/5 High Balance5 5 arm6.460% APR6.250%—Standard
5/5 ARM 2/2/5 Conforming5 5 arm6.470% APR6.250%—Standard
7/6 ARM 5/1/5 High Balance7 1 arm6.471% APR6.375%—Standard
7/6 ARM 5/1/5 Jumbo7 1 arm6.492% APR6.375%—Standard
7/6 ARM 5/1/5 Conforming7 1 arm6.502% APR6.375%—Standard
20-Year Fixed20 year fixed6.543% APR6.375%—Standard
5/5 ARM First-time Homebuyer 100% Program5 5 arm7.164% APR5.750%—Standard

Auto & vehicle rates

16 offers
Ventura County Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Car, Truck, SUV and Van Loanauto_any_36mo5.040% APR5.040%36 moStandard
Car, Truck, SUV and Van Loanauto_any_60mo5.840% APR5.840%60 moStandard
New & Used Vehiclesauto_any_60mo5.840% APR5.840%60 mo · anyStandard
Business Auto Loanauto_any_60mo6.990% APR6.990%60 moStandard
Boats new and usedboat_any_48mo7.000% APR7.000%48 mo · anyStandard
48-Month Boat Loanboat_any_48mo7.000% APR7.000%48 moStandard
ATV, Jet Ski and Dirt Bike Loanpowersports_any_48mo7.000% APR7.000%48 moStandard
RV, Travel Trailer or 5th Wheel Loanrv_any_48mo7.000% APR7.000%48 moStandard
Business Auto Loanauto_any_48mo7.040% APR7.040%48 moStandard
60-Month Motorcycle Loanmotorcycle_any_60mo7.240% APR7.240%60 moStandard
72-Month Boat Loanboat_any_72mo7.250% APR7.250%72 moStandard
ATV, Jet Ski and Dirt Bike Loanpowersports_any_72mo7.250% APR7.250%72 moStandard
RV, Travel Trailer or 5th Wheel Loanrv_any_72mo7.250% APR7.250%72 moStandard
84-Month Motorcycle Loanmotorcycle_any_84mo7.990% APR7.990%84 moStandard
First Time Auto Buyer Programauto_any_48mo8.740% APR8.740%48 moStandard
First Time Auto Buyer Programauto_any_60mo8.990% APR8.990%60 moStandard

HELOC rates

3 offers
Ventura County Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
6 Month Intro Rate HELOCheloc_variable3.990% APR3.990%—Introductory offer
Standard HELOC 70% CLTV or lessheloc_variable6.750% APR6.750%—Standard
Standard HELOC 70.01% up to 75% CLTVheloc_variable7.250% APR7.250%—Standard

Personal loan rates

7 offers
Ventura County Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
12-Month Share-Secured Loanpersonal_secured_12mo5.000% APR5.000%12 moStandard
24-Month Share-Secured Loanpersonal_secured_24mo5.500% APR5.500%24 moStandard
60-Month Share-Secured Loanpersonal_secured_60mo5.750% APR5.750%60 moStandard
Technology Loan (Computers, printers, televisions, mobile phones)personal_unsecured_18mo7.000% APR7.000%18 moStandard
Technology Loan (Software)personal_unsecured_36mo9.000% APR9.000%36 moStandard
Signature/Lifestyle Loanpersonal_unsecured_60mo10.700% APR10.700%60 moStandard
Signature Loanpersonal_unsecured10.700% APR10.700%—Standard

Credit card rates

1 offer
Ventura County Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Rewards Credit Cardcredit_card_rewards14.200% APR14.200%—Standard

Savings & CD rates

2 offers
Ventura County Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
13 Month No Penalty Certificatecd_13mo2.75% APY2.75%13 moStandard
12-Month Certificatecd_12mo3.75% APY3.75%12 moStandard

As of August 3, 2026, Ventura County Credit Union offers a 30-year fixed mortgage at 6.696% APR (0.5 points). Vehicle loans available from 5.04% APR for 36 months. HELOC rates from 6.75% APR. Personal loan rates from 5% APR. Credit card rates from 14.2% APR. Savings and certificate yields up to 3.75% APY.

Source: RateAPI.dev, verified from Ventura County Credit Union's official website

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About Ventura County Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
78.9K
Assets
$1.5B
Founded
1950
Locations reported
9
NCUA charter
68458
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

CommunityamericaVentura · Ventura · CA · 93003About 9.1 miles awayCounty SchoolsMain Branch · Ventura · CA · 93003About 9.1 miles awayOceanairVentura Branch · Ventura · CA · 93003-3486About 9.1 miles awayPremier AmericaVentura Branch · Ventura · CA · 93003-6787About 9.1 miles awaySchoolsfirst75 - Ventura District Service Center · Ventura · CA · 93003About 9.1 miles awayWescom CentralOxnard · Oxnard · CA · 93036About 13.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Ventura County Credit Union

Membership eligibility from Ventura County Credit Union's own published criteria. How we verify this.

Membership criteria are published on Ventura County Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Ventura County Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Ventura County Credit Union?

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Frequently Asked Questions

What rates does Ventura County Credit Union offer?

Ventura County Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Ventura County Credit Union rates updated?

RateAPI verifies Ventura County Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Ventura County Credit Union's rate data?

Rate data is collected directly from Ventura County Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Ventura County Credit Union's mortgage rate?

As of August 3, 2026, Ventura County Credit Union offers a 30-year fixed mortgage at 6.696% APR.

What are Ventura County Credit Union's auto, rv, boat, motorcycle & powersports loan rates?

As of August 3, 2026, Ventura County Credit Union offers vehicle loans from 5.04% APR.

What is Ventura County Credit Union's HELOC rate?

As of August 3, 2026, Ventura County Credit Union offers home equity lines of credit from 6.75% APR.

What is Ventura County Credit Union's personal loan rate?

As of August 3, 2026, Ventura County Credit Union offers personal loans from 5% APR.

What is Ventura County Credit Union's best CD rate?

As of August 3, 2026, Ventura County Credit Union offers savings and certificate (CD) yields up to 3.75% APY.

Related Rate Data

Compare Ventura County Credit Union's rates against national credit-union benchmarks.

More California credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Ventura County Credit Union
curl "https://api.rateapi.dev/credit-unions/california/ventura-county" \
  -H "Authorization: Bearer YOUR_API_KEY"
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