Velocity Credit Union Ventura CA | Best Auto Loans & Business Banking

Introduction

Welcome to Ventura County, your trusted partner in financial wellness located at 6026 Telephone Rd, Ventura, CA 93003. Since our establishment in 1950, we have proudly served our community and cultivated a strong family of over 76,398 members. As a member-owned cooperative, we are dedicated to putting your needs first, ensuring that you always feel valued and supported. At Ventura County, our commitment to the community goes beyond just banking. We manage total assets of over $1.4 billion, with total deposits reaching $58,831,677. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we have tailored services just for you. Our total loans amount to 31,237, reflecting our dedication to helping members achieve their financial goals. Under the leadership of CEO Linda Rossi and Board President Roxanne Ostrem, our team of 203 employees works diligently to provide you with exceptional service. With a net worth of $131,722,304 and cash in hand totaling $7,625,618, we maintain a healthy financial position to serve you better. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 6026 Telephone Road, Ventura, CA 93006. We invite you to explore the variety of services we offer through our website at vccuonline.net. We are here for all your banking needs don't hesitate to call us at 805-477-4000 or stop by during our lobby hours: Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Experience the difference with Ventura County today!

Branch History & Mission

Community Commitment

Our dedication doesn't stop with traditional banking services. We actively engage in initiatives that support local causes and contribute positively to Ventura's social fabric. By investing in community programs and providing resources for financial education, we aim to uplift every member of our community. As technology evolves, so do we offering online and mobile banking options that allow members to manage their finances anytime, anywhere. This commitment ensures that all members have access to essential financial tools while maintaining ADA compliance. We invite you to join the Ventura County family today! Experience firsthand how we're not just a credit union but a community partner ready to help you achieve your financial goals. For inquiries or assistance, feel free to reach us at (805) 477-4000 or visit our website at vccuonline.net. Together, let's build a brighter financial future!

Our Mission

At Ventura County, our mission is clear: we are dedicated to empowering our members through personalized financial solutions while fostering a sense of community and support. We understand that each member's journey is unique; thus, we strive to offer services that include personal banking options such as checking and savings accounts, auto loans, mortgages, and business banking solutions. We believe in more than just banking our commitment extends to being a supportive partner in the lives of our members. This includes engaging in community outreach programs and building partnerships that enhance the well-being of those around us. While members can visit us at 6026 Telephone Rd, official correspondence should be sent to 6026 Telephone Road, Ventura, CA 93006. Our dedicated team operates with member satisfaction as a priority. We offer convenient operating hours from 9 am to 5 pm on Monday through Wednesday and until 6 pm on Thursdays and Fridays. For those who prefer quick transactions, our drive-thru service is available to make banking easier for you.

Branch Location & Accessibility

Contact Us

Have questions? Feel free to reach out at 805-477-4000. Our team is here to help you navigate your financial journey smoothly. We invite you to visit us soon experience the friendly service that sets us apart!

Nearby Landmarks

If you're in the area, you might spot us near popular local spots like the Ventura Towne Center or just a short drive from the scenic beaches. Whether you're running errands or enjoying a day out, visiting us is simple.

Operating Hours

We know your time is valuable. That's why we offer flexible operating hours! You can drop by our lobby from 9 am to 5 pm on Monday through Wednesday, and enjoy extended hours until 6 pm on Thursday and Friday. We also welcome you on Saturday from 9 am to 2 pm. For quick transactions, our Express Window opens even earlier at 8 am on weekdays.

Parking and Accessibility

We offer ample parking right outside our branch, ensuring that your visit is hassle-free. Our facility is designed to be welcoming for everyone, with ADA-compliant features and ramps for easy access.

Services Offered

At Ventura County, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our ATM is available for quick cash withdrawals, and our drive-thru service allows you to handle simple transactions without leaving your car.

Member Eligibility

At Ventura County, we believe that everyone deserves access to a supportive financial community. Joining us is simple and welcoming! To become a member, you just need to live, work, or worship in the Ventura County area, or have a family member who is already a member. This means that whether you're new to the community or have deep roots here, you can take advantage of our fantastic services. Membership at Ventura County opens the door to a range of benefits designed to help you succeed financially, from competitive loan rates to personalized banking solutions. If you're ready to take the next step, opening an account is easy! Just give us a call at (805) 477-4000, or visit us at our branch located at 6026 Telephone Rd Ventura Ca 93003. For more detailed information on eligibility criteria, feel free to check out our website at . We're excited to welcome you into our family and support you on your financial journey!

Business Banking & Commercial Services

Business 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. Imagine being able to purchase new equipment or expand your operations without financial stress. Our loans are structured to provide flexibility, allowing you to focus on what truly matters your business.

Merchant Services

In today's fast-paced world, efficient payment solutions are essential. Our merchant services simplify transactions for your customers while enhancing your cash flow. Whether you need point-of-sale systems or online payment processing, we have practical solutions that help keep your business running smoothly. Join us at Ventura County and discover how our dedicated team can assist you in achieving your business goals. Let's work together to build a thriving future for your enterprise!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

We provide ATM access for quick cash withdrawals and balance checks, ensuring that you have access to your funds when you need them. Plus, our drive-thru service allows for basic transactions such as deposits and withdrawals without having to leave your vehicle. Our goal at Ventura County is to ensure that all members feel supported in their financial journey. Whether you're an individual seeking personal banking solutions or a business owner in need of specialized services, we're here for you. Feel free to contact us at 805-477-4000 or visit us during our operating hours: Monday through Wednesday from 9 AM - 5 PM; Thursday and Friday from 9 AM - 6 PM; Saturday from 9 AM - 2 PM. Come see how we can assist you today!

Business Banking Solutions

For entrepreneurs, we offer robust business banking services including merchant services and business loans designed to support your growth. We know how important it is to keep your business running smoothly, so our team is here to assist you every step of the way.

Credit Cards and Rewards

Our credit cards not only provide you with the purchasing power you need but also come with rewards programs that allow you to earn points for every dollar spent. This means that whether you're shopping for groceries or planning a vacation, you can enjoy benefits while managing your expenses.

Digital Banking Convenience

In today's fast-paced world, having access to online and mobile banking is essential. At Ventura County, we make it easy for you to manage your accounts from anywhere at any time. With features like online bill pay and account alerts, keeping track of your finances has never been simpler.

Personal Banking Services

For everyday banking needs, our personal banking options are designed to be straightforward and convenient. You can open checking and savings accounts that fit your lifestyle and help you manage your money effectively. If you're thinking about purchasing a vehicle, consider our auto loans and vehicle financing options that come with competitive rates to make your dream car a reality. When it comes to buying a home, our mortgage loans and refinancing services can guide you through the process smoothly. We understand that financial challenges can arise, so we also offer personal loans and debt consolidation options to help you regain control over your finances.

Digital & Online Banking

Key Services Available

One of the standout features is our 24/7 online banking service, which you can access easily through our website. This means you can check your balance, make transfers, and pay bills at any hour that suits you no need to rush to the bank before it closes! For those who prefer using their mobile devices, our mobile application makes banking on the go a breeze. Whether you're waiting in line or relaxing at home, you can manage your accounts with just a few taps on your phone. Plus, if you want to send money to friends or family quickly, our person-to-person transfer feature allows you to do so easily.

Security and Convenience

We take your security seriously. Our electronic signature authorization provides an extra layer of protection when handling sensitive transactions. You can trust that your personal information is safe with us. Additionally, we offer e-statements for those who prefer going paperless. This not only helps the environment but also makes it easier for you to keep track of your finances without clutter. In summary, Ventura County offers a complete suite of digital banking tools designed for convenience and security. Whether you're using our online platform or mobile app, managing your finances has never been easier! If you have any questions or need assistance, don't hesitate to reach out via phone at (805) 477-4000.

Financial Strength

Growing Membership Base

Total Share Accounts stand at 137,833, showing a strong and growing member base that trusts us with their finances. This trust is the foundation of our success as we strive to provide the best service possible. 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 6026 Telephone Rd Ventura Ca 93003 or call (805) 477-4000 to learn more about how we can help you achieve your financial goals.

Member Savings Security

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. Our focus is on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 176 full-time employees and 27 part-time employees who are dedicated to serving you with a knowledgeable and committed team.

Reinvestment in Member Services

With $126,638,170 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to lend is supported by $7,702 in used auto loans and $922,023,125 in total loans and leases, helping you achieve your financial goals across various sectors.

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. We provide flexible terms and competitive interest rates to ensure your car-buying experience is smooth and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $227,849,278 provide the capital needed to grow and expand your business. We understand that running a business comes with its own set of challenges, and we are committed to supporting local entrepreneurs. At Ventura County, we also offer refinancing options for many of our loans to help you save money and improve your financial situation. If you're unsure about eligibility or want more information on how refinancing can work for you, feel free to contact us. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan products today and see how we can help make your financial dreams a reality!

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 know that purchasing a home is one of the biggest decisions you'll make, so we're here to provide guidance and support throughout the entire process.

Unsecured Credit Card Loans

Managing your finances effectively is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $44,246,206 in loans helping members navigate their spending with ease. Our credit cards come with benefits that can suit different lifestyles.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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!" This kind of feedback highlights the effectiveness of using a tool that focuses on accuracy and fairness. Compare 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.*

How LendMesh Ensures 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 ), ensuring fair and transparent offers. By using verified data, LendMesh guarantees that you are viewing legitimate loan options that reflect current market conditions.

VENTURA COUNTY CREDIT UNION