Velocity Credit Union Oxnard CA | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Ventura County, your trusted partner in financial well-being located at 691 Town Center Dr, Oxnard, CA 93036. Since our establishment in 1950, we have been dedicated to serving our community with a personal touch and a commitment to excellence. With over 76,398 members and total assets of $1,415,994,450, we pride ourselves on offering tailored financial solutions that meet the diverse needs of individuals and businesses alike. At Ventura County, we understand that every member has unique goals. That's why we provide a range of services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. Our total deposits stand at $58,831,677, reflecting the trust our members place in us. Furthermore, with 31,237 loans extended to our community, we are not just a financial institution; we're a cornerstone of support for our members' aspirations. Our leadership team is committed to fostering growth and stability within our credit union. Under the guidance of CEO Linda Rossi and Board President Roxanne Ostrem, we aim to create an environment where members can thrive financially. Whether you need assistance with personal finance or business banking, our knowledgeable staff comprising 203 dedicated employees is here to help. While members can visit us at our branch address for face-to-face consultations or transactions during our convenient operating hours (9 am - 5 pm Monday to Wednesday and Saturday; 9 am - 6 pm Thursday & Friday), official correspondence should be sent to the same address: 691 Town Center Dr, Oxnard, CA 93036. We invite you to explore how Ventura County can help you achieve your financial goals. For more information about our services or to speak with one of our representatives directly, please call us at 805-477-4000 or visit us online at VCCU Online. Together, let's build a brighter financial future!

Branch History & Mission

At Ventura County, our journey began in 1950 when we opened the doors of our Riverpark Branch in the heart of Oxnard, California. Over the decades, we have proudly served our community, growing from a small credit union to a trusted financial partner for over 76,000 members. Today, with total assets exceeding $1.4 billion, we stand as a testament to the power of community-focused banking. Located at 691 Town Center Dr, Oxnard, CA 93036, our branch is easily accessible and surrounded by vibrant local landmarks that make it a hub for connection and support. While members can visit us at this address for all their banking needs, official correspondence should be sent to the same location. Our mission is simple yet profound: to provide exceptional financial services while empowering our members and uplifting our community. We believe that everyone deserves access to affordable banking options and tailored financial solutions. Our services range from personal banking like checking and savings accounts to auto loans, mortgage financing, credit cards with rewards, and business banking services. As we evolved through the years, we embraced technology to enhance member experiences. Our commitment to ADA compliance ensures that all members can access our services comfortably. With online banking capabilities and mobile applications available, managing finances has never been easier. We take pride in our partnerships and community outreach efforts. By supporting local initiatives and charities, we strive to make a meaningful impact in Oxnard and beyond. Our dedicated team is always ready to assist members with personalized service that prioritizes their unique needs. With operating hours from 9 AM to 5 PM Monday through Wednesday and Friday; until 6 PM on Thursdays; and from 9 AM to 2 PM on Saturdays, we're here when you need us most. Plus, with ATM availability right at your fingertips, accessing your funds is hassle-free. Join us at Ventura County and discover how we can help you achieve your financial goals while being part of a caring community. Experience the difference of banking where you matter most! For more information or assistance, feel free to reach out at 805-477-4000. We look forward to welcoming you!

Branch Location & Accessibility

Banking Services Just for You

We're proud to offer a range of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our friendly staff is here to help you every step of the way. Plus, we have an ATM available for quick cash withdrawals and balance checks whenever you need them.

Convenient Access and Features

At our Riverpark Branch, we prioritize accessibility for all our members. The facility is ADA compliant, ensuring that everyone can access our services comfortably. We also offer convenient parking options nearby, so you can easily find a spot when you visit us. Our operating hours are designed to fit your busy schedule. We welcome you from 9 AM to 5 PM on Monday, Tuesday, Wednesday, and Friday; and until 6 PM on Thursdays for those who need a little extra time during the week. We're even open on Saturdays from 9 AM to 2 PM for your convenience!

Visit Us Today!

We invite you to come and experience the warm atmosphere of Ventura County's Riverpark Branch. Our dedicated team is ready to provide personalized service and support as you navigate your financial journey. Feel free to call us at 805-477-4000 if you have any questions before your visit. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Ventura County is like joining a close-knit family where your financial well-being is the priority. To be eligible, you simply need to live, work, or attend school in our community, which makes it easy for many people to join us. We welcome anyone who shares our commitment to supporting one another and building a brighter future together. As a member, you'll enjoy personalized service, competitive rates on loans, and access to a wide range of banking products designed just for you. For more details on eligibility criteria, feel free to check out our website at . If you're ready to take the next step, opening an account is straightforward! Just give us a call at (805) 477-4000, or visit us at our branch located at 691 Town Center Dr Oxnard Ca 93036 we're here to help you every step of the way!

Business Banking & Commercial Services

Practical Merchant Services

Imagine being able to accept payments easily, manage cash flow effectively, and access funds when you need them most. Our merchant services provide practical solutions that simplify transactions for your business. Whether it's processing credit card payments or managing payroll, we equip you with tools that enhance your operational efficiency. Located at 691 Town Center Dr Oxnard Ca 93036 in Oxnard, CA, our team is here to help you navigate the financial landscape with confidence. Reach out at (805) 477-4000 to learn how we can empower your business today!

Tailored Loan Options

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.

Comprehensive List Of Services

Accessibility and Support

At Ventura County, we prioritize accessibility for all our members. Our branch is equipped with basic ATM access for withdrawals and balance checks so that you can quickly get what you need without unnecessary delays. If you prefer talking to someone directly, feel free to call us at (805) 477-4000 during our operating hours: 9 am - 5 pm from Monday through Wednesday, 9 am - 6 pm on Thursday and Friday, and 9 am - 2 pm on Saturday. We invite you to explore all these fantastic services designed with you in mind! Visit us at Riverpark Branch or contact us today to learn more about how we can assist you with your financial needs. Let's build a better financial future together!

Business Banking Services

For our business members, we offer comprehensive business banking services, including merchant services that simplify payment processing and business loans tailored to help grow your enterprise. We believe in supporting local businesses because they are the backbone of our community.

Credit and Financing Options

Sometimes life brings unexpected expenses, and that's where our personal loans and debt consolidation options come into play. We aim to provide flexible solutions that can ease your financial burden. Additionally, our credit cards with rewards give you the chance to earn benefits while making everyday purchases.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking features that allow you to manage your finances anytime, anywhere. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and pay bills effortlessly. Our ATM services ensure that cash withdrawal is hassle-free, providing access when you need it most.

Personal Banking Solutions

Our personal banking services are tailored to fit your lifestyle. We offer checking and savings accounts that make it easy to manage your money with no hidden fees. If you're considering a new vehicle, our auto loans and vehicle financing options can help get you on the road quickly and affordably. For those dreaming of homeownership or looking to refinance, our mortgage loans and refinancing solutions provide competitive rates to help you achieve your goals.

Digital & Online Banking

Key Features

Our online banking service provides 24/7 access to your accounts, allowing you to check balances, make payments, and transfer funds whenever you need to. You can enjoy the convenience of person-to-person transfers, making it simple to send money to friends or family in just a few clicks. For those who prefer using their mobile devices, our user-friendly mobile application makes banking on the go a breeze. Plus, with the option for electronic signature authorization, you can complete transactions securely without needing to visit a branch. If you're looking for paperless options, e-statements are available to help you stay organized and reduce clutter.

Security and Ease of Use

Security is our top priority. Our online banking services incorporate advanced security measures to ensure that your personal information remains safe. You can bank with confidence knowing that your data is protected. Whether you're checking your account balance during your lunch break or paying bills late at night, our online banking system is designed for ease of use and quick access to real-time account management. Join us at Ventura County today and experience the convenience of digital banking that works for you!

Financial Strength

Committed Workforce

We also take pride in having 176 full-time employees and 27 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Growing Community Trust

Total Share Accounts stand at 137,833, showing a strong and growing member base that trusts us with their finances. This reflects not only our commitment to serving you but also the vibrant community we build together. 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 691 Town Center Dr Oxnard CA 93036 or call 805-477-4000 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Member-Focused Resources

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. Unlike traditional banks, we prioritize our members. 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.

Reinvesting for Your Benefit

With $126,638,170 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $15404 in total auto loans and $922,023,125 in total loans and leases.

Solid 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 offer some of the lowest rates in the industry, with 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 model or a reliable used vehicle, we have options that suit every budget.

Business Financing

For business owners, our outstanding commercial loans totaling $227,849,278 provide the capital needed to grow and expand. We understand that running a business comes with its challenges; therefore, our team is here to help you find financing solutions tailored specifically for your business needs. If you're considering refinancing any existing loans or exploring eligibility options for our various products, don't hesitate to reach out. Our knowledgeable staff is ready to guide you through every step of the process. Feel free to visit us at our branch located at 691 Town Center Dr., Oxnard CA 93036, or give us a call at 805-477-4000 during our operating hours from 9 am - 5 pm Monday through Wednesday and 9 am - 6 pm Thursday and Friday. You can also stop by on Saturday from 9 am - 2 pm. 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 look forward to helping you secure the funding you need!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $87,964,785, make buying or refinancing simple. We believe that everyone should have the opportunity to own a home without overwhelming financial stress.

Unsecured Credit Card Loans

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. These cards are perfect for everyday purchases and emergencies alike giving you peace of mind knowing you have access to funds when needed.

Loan Aggregator

Benefits of Using LendMesh

LendMesh offers several key advantages to help you make informed decisions: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the comparisons reflect true market conditions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. You will see all available options equally, allowing for an honest evaluation of your choices. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps you stay informed about the best options in real-time. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Take control of your financial future by comparing real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Loan 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 means you receive fair and transparent offers every time you search for a loan. Each lender's information is verified to ensure that what you see reflects actual available rates.

Ventura County