Velocity Credit Union Oxnard CA | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Ventura County, your trusted partner in financial growth and community support. Located at 2160 N Rose Ave, Oxnard, CA 93036, we have been serving our members since 1950 with a commitment to providing personalized banking solutions tailored to your needs. With a strong membership base of over 76,398 individuals, our mission is to enhance the financial well-being of each member we serve. At Ventura County, we take pride in our robust financial standing, boasting total assets of $1,415,994,450 and total deposits reaching $58,831,677. This solid foundation allows us to offer competitive loans over 31,237 loans and leases ensuring you have access to the funding you need for personal or business endeavors. Our net worth stands at an impressive $131,722,304, reflecting our dedication to maintaining a secure and stable environment for your finances. Your convenience is important to us! While you can easily visit us at our Oxnard branch for all your banking needs, official correspondence can be sent to the same address: 2160 N Rose Avenue, Oxnard, CA 93036. We understand that exceptional leadership drives success. Under the guidance of our CEO, Linda Rossi, and Board President Roxanne Ostrem, we strive to foster a culture of trust and transparency within our organization. Our team of 203 dedicated employees works tirelessly to ensure that your experience with us is nothing short of excellent. In addition to traditional banking services like checking and savings accounts, we also offer auto loans, mortgage options, credit cards with rewards, and business banking solutions designed for entrepreneurs. With modern conveniences such as online banking and mobile app access at your fingertips, managing your finances has never been easier. Discover how Ventura County can support your financial journey today! For inquiries or assistance, feel free to give us a call at 805-477-4000. We're here for you Monday through Saturday with flexible hours designed around your schedule. Visit us online at vccuonline.net for more information on our services and community initiatives. Join us as we continue to make a positive impact in Oxnard and beyond!

Branch History & Mission

At Ventura County Credit Union, our journey began in 1950 when we opened our doors at our Oxnard branch located at 2160 N Rose Ave, Oxnard, CA 93036. Over the years, we have proudly served our community and watched our membership grow to an impressive total of 76,398 members. With total assets reaching $1,415,994,450, we continue to evolve while remaining dedicated to providing exceptional financial services. Our mission is simple yet powerful: to offer personalized banking solutions that empower individuals and businesses in our community. We believe in supporting not only your financial goals but also the community at large. This commitment drives us to actively engage in outreach programs and partnerships that uplift those around us. While members can visit us at our physical location, official correspondence should be sent to the same address: 2160 N. Rose Avenue, Oxnard, CA 93036. Our branch operates with convenient hours 9 am to 5 pm from Monday through Wednesday and Friday; until 6 pm on Thursday; and from 9 am to 2 pm on Saturday. We also provide ATM access for your convenience. As a member-focused institution, we prioritize digital advancements and customer-centric initiatives. From online banking to mobile applications, we strive to make banking easier for you while ensuring ADA compliance so that everyone can access our services without barriers. Through various community outreach efforts and partnerships with local organizations, Ventura County Credit Union stands as a pillar of support within Oxnard. We understand that banking is more than just transactions; it's about building relationships and creating opportunities. We invite you to join us at Ventura County Credit Union where your financial well-being is our top priority. Experience firsthand the benefits of being part of a community-focused credit union that truly cares about its members. Call us today at 805-477-4000 or visit our website for more information. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility and Parking

Our branch offers ample parking, ensuring that you can easily access our services without any hassle. We take pride in being accessible to all members of the community, featuring ADA-compliant facilities including ramps for those who need them.

Get in Touch

If you have any questions or want to learn more about what we offer, don't hesitate to give us a call at 805-477-4000. Our friendly staff is ready and waiting to assist you! So why wait? Come visit us today and discover how Ventura County can help you achieve your financial goals!

Operating Hours

We understand that life gets busy! That's why our doors are open Monday through Wednesday from 9 AM to 5 PM, and Thursday and Friday until 6 PM. Plus, we're here on Saturday from 9 AM to 2 PM for your convenience.

Services Offered

At the Ventura County Oxnard Branch, we offer a wide range of services designed with your needs in mind. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards our team is here to help you every step of the way. Need cash? We have an ATM available for quick withdrawals or balance checks. While you can always visit us at our branch address for all your banking needs, please note that official correspondence should be sent to the same address: 2160 N. Rose Avenue, Oxnard, CA 93036.

Member Eligibility

At Ventura County, we believe that everyone deserves to be part of a welcoming and supportive community. Becoming a member is simple and open to many! If you live, work, worship, or attend school in the Ventura County area, you're likely eligible to join us. We cherish our members and strive to provide personalized financial services tailored just for you. Plus, as a member of Ventura County, you gain access to exclusive benefits like competitive loan rates, savings options, and personalized support from our friendly team. To learn more about the specific eligibility criteria and ensure you're ready to join, feel free to check out this resource. When you're ready to open your account, we make it easy! Just give us a call at (805) 477-4000 or visit us at our branch located at 2160 N Rose Ave Oxnard Ca 93036. Let's take this exciting step together toward achieving your financial goals!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced market, seamless transactions are crucial. That's why we offer comprehensive merchant services designed to help you manage payments effortlessly. Picture this: a customer walks into your store and makes a quick purchase using their card. With our reliable merchant solutions, you can ensure smooth transactions, allowing you to focus on what matters most growing your business. Visit us at 2160 N Rose Ave Oxnard Ca 93036 in Oxnard, CA, or call us at (805) 477-4000 to learn more about how our business banking and commercial services can empower your success!

Tailored Business Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $119 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $227,849,278, we continue to drive economic growth by financing new and expanding businesses. Imagine having the funds needed to purchase new equipment or expand your operations. Our flexible loan options can turn these dreams into reality.

Comprehensive List Of Services

Business Banking Options

For our business members, we offer comprehensive banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to support you with tailored financial advice and products that suit your business needs.

Convenient Access Anytime, Anywhere

We understand that convenience is key in today's fast-paced world. That's why at Oxnard Branch, we provide online and mobile banking capabilities so you can manage your accounts on-the-go. With basic ATM access available for withdrawals and balance checks, getting cash when you need it is never an issue.

Credit Cards with Rewards

Our credit cards come with rewards that let you earn while spending. From cashback offers to travel points, there's a card that fits your lifestyle perfectly. Using these cards responsibly not only helps build your credit but also provides added benefits for everyday purchases.

Get in Touch!

Located at 2160 N Rose Ave, Oxnard, CA 93036, we invite you to visit us or give us a call at 805-477-4000 during our operating hours: 9 AM - 5 PM Monday through Wednesday and 9 AM - 6 PM Thursday and Friday. On Saturdays, we're here from 9 AM - 2 PM as well! Come experience how Ventura County can help with all your financial needs your journey starts here!

Home Financing Solutions

Thinking about buying a home? Our mortgage loans and refinancing options are tailored to assist you in making one of the most significant investments of your life. With personalized service from our knowledgeable staff, we guide you through every step of the process, ensuring you understand all your options along the way. If you're looking to consolidate debt or need extra cash for unexpected expenses, our personal loans provide quick access to funds without complicated procedures. It's all about making sure you have what you need when you need it.

Personal Banking Made Easy

Our personal banking services include checking and savings accounts that help you manage your money effectively. Imagine having a checking account with no monthly fees and easy access to your funds through our online and mobile banking platforms. You can check balances, transfer money, and pay bills right from your smartphone or computer. For those considering a new vehicle, our auto loans and vehicle financing options make it simple to drive away in the car you want. We offer competitive rates that can fit any budget, along with flexible terms that let you choose what works best for you.

Digital & Online Banking

Key Features

Our online banking platform allows you to handle everyday transactions with ease. You can check your balance, pay bills, and transfer money all from the comfort of your home or on the go. If you need to send money to friends or family, our person-to-person transfer feature makes it simple and quick. For those who prefer a more personalized approach, our electronic signature authorization means you can sign documents without the hassle of printing them out. Plus, if you're looking to keep track of your financial statements effortlessly, we provide e-statements that are not only eco-friendly but also accessible anytime you need them.

Mobile Banking Made Easy

If you're always on the move, our mobile application ensures that your bank is right in your pocket. With this app, you can enjoy the same features as our online banking service making transactions and monitoring your accounts has never been easier. While mobile payments aren't available yet, we're continuously working to enhance our offerings for your convenience.

Security You Can Trust

Your security is our top priority. Our online banking services are equipped with advanced security features to keep your information safe. You can manage your finances confidently, knowing that we have robust measures in place to protect your data. At Ventura County, we strive to provide accessible and user-friendly digital banking options so you can focus on what matters most your life! Whether it's checking balances or transferring funds, we're here to help you every step of the way.

Financial Strength

Committed Team

Our operations reflect our dedication to our members. We proudly employ 176 full-time employees and 27 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Growing Member Base

Our total share accounts stand at an impressive 137,833, showing a strong and growing member base that trusts us with their finances. This trust allows us to remain responsive to the needs of our community while maintaining a healthy balance sheet. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ventura County is your trusted partner. Visit us at 2160 N Rose Ave Oxnard Ca 93036 or call 805-477-4000 to learn more about how we can help you achieve your financial goals.

Reinvesting for Your Future

We also have $126,638,170 in undivided earnings, which we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $922,023,125 in total loans and leases including $7,702 in used auto loans our lending capacity supports your financial goals across various sectors.

Secure Savings for Members

Members' savings are secured through $413,952,728 in share certificates and $124,397,246 in money market shares, offering stable and rewarding financial growth opportunities. This focus on member-centric products sets us apart from traditional banks; unlike them, we prioritize our members over non-member deposits. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $131,722,304, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 927 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the most competitive rates in the industry. We currently have over $124,771,661 in used vehicle loans and $23,061,654 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our dedicated team is here to guide you through the process.

Credit Lines and Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $44,246,206 in loans helping members manage their finances effectively. If you need quick access to funds for unexpected expenses or want to consolidate debt, our unsecured credit lines might be just what you need. For business owners, our outstanding commercial loans totaling $227,849,278 provide the capital necessary to grow and expand your enterprise. We understand the challenges faced by small businesses and are committed to offering solutions tailored to your specific needs.

How to Get Started

Interested in any of these loan options? Give us a call at (805) 477-4000 or visit us at 2160 N Rose Ave Oxnard Ca 93036 in Oxnard, CA. Our friendly staff is ready to answer any questions you may have and assist you with the application process. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to support your journey toward financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $87,964,785. We make buying or refinancing simple with flexible terms and personalized service. If you're considering refinancing your existing mortgage, we can help you explore your options for better rates and lower payments.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers. The platform regularly updates its data to reflect current market conditions, allowing you to make choices based on the most accurate information available.

VENTURA COUNTY CREDIT UNION