Ventura County Credit Union started in 1950, where it began operating out of the County Courthouse, just beneath a stairwell. Starting with just a few employees and one volunteer with a cash drawer, we began helping members with their financial goals. Back then our philosophy was simple: people helping people. This philosophy is no different today and we continue to strive to help members meet their financial goals every day. Today, VCCU has expanded to over $1 billion in assets and more than 80,000 members with even greater expected expansion ahead.
Locations: Ventura-Oxnard-Port Hueneme-Camarillo-Thousand Oaks-Simi Valley-Moorpark-RiverPark
Banks vs. Credit Unions
What’s the difference between a bank and a credit union?
Whereas a bank sets out to satisfy their pool of stockholders, a credit union, like VCCU, sets out to satisfy and fulfill our members’ expectations through lower loan rates, higher interest on deposits, and lower fees altogether.
Many banks charge unnecessary fees to disburse amongst their stockholders, but we believe in disbursing these perks to you in the form of lower fees and rates. In other words, our best interest is in you, and not a pool of investors. We also educate our members on financial management so that they are able to optimize their cash flow through our education programs. We also educate children of different ages to provide them with the knowledge they need to make the right financial decisions in the future.
As a VCCU member, you are also an owner of the organization and a valued part of our Credit Union family. And because we are a member-owned, not-for-profit, community-focused financial institution, everything we do benefits you.
VCCU proudly offers our members:
- Comprehensive Financial Services
Whatever your financial goals, we offer a full scope of financial services to help you reach them, including savings accounts, checking accounts, investment opportunities, credit cards, loans, mobile and online banking, nationwide ATMs and more.
As a member-owned, not-for-profit financial institution, everything we earn is reinvested in you (rather than in stockholders’ interests, as is the case with many banks). This means we’re able to offer higher returns on deposits, lower loan rates and fewer fees.
- Participation in Credit Union Direction
At VCCU, your opinion counts. As a member and an owner, you have the opportunity to make your voice heard and influence credit union decisions. If you’d like to get even more involved, we encourage you to volunteer to serve on our Board of Directors or Supervisory Committee.
Based in Ventura County since 1950, VCCU now has multiple branches throughout the region and has won multiple Ventura County Star Readers’ Choice awards. We love this community, and when you bank with us, your money stays local, helping to benefit our shared home.
With convenient local branches, a nationwide network of more than 30,000 ATMs, and mobile and Online Banking services, VCCU is with you wherever you go.
Through our Preferred Partner network — which includes organizations such as the Ventura County Fair, TurboTax and beyond — you can take advantage of discounts, cash rewards and great savings opportunities.
As a VCCU member you have access to free financial counseling and a variety of educational resources through our partnership with BALANCE. We also offer Financial Education Opportunities throughout the year and newsletters to help keep you informed on special events and useful banking tips.
When we help our community, we are all better off. VCCU supports a variety of nonprofits throughout the region, attends more than 400 community events per year and participates on more than 30 volunteer boards. As a member, you can help us make a difference. To learn more about our community involvement, please take a look at our annual report.
How to Become a Member
Join Our Family & Become a VCCU Member Today!
If you live, work or go to school in Ventura County or Santa Barbara County, you qualify for VCCU membership. Visit your nearest branch in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Moorpark or Simi Valley, California.
Whether you are a student or a business professional, we have many services that are tailored to each member from checking or savings accounts, to IRAs and more. Check out the many services we offer and find out how you can benefit as a member of VCCU today! You may contact us by email at cuadmin@vccuonline.net*, call us at 805.477.4000, or visit us at one of the locations listed above for more information about becoming a member. For your convenience, you also have the option to apply for membership online 24/7.