Credit union · NCUA insured
Ventura County Credit Union CD Rates
Ventura County Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Ventura County Credit Union’s CD rates compare
Compared with banks and credit unions near Oxnard, CA, where Ventura County Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ventura County Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Limited-Time 6 Month Certificate
Top rate
OceanAir Federal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
City National Bank
4.39%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $439
Ventura County Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ventura County Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Limited-Time 6 Month Certificate
4.00%APY · 1 term
Promotional certificate available September 16 through September 30, 2026. For eligible personal and business accounts. Automatically renews at maturity as a traditional 6-month certificate at prevailing rate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPromotional offer available September 16 through September 30, 2026. Minimum deposit of $1,000 required | 4.00% | $198 |
Sources (1)
- vccuonline.net/About/News/6-month-certificate · captured Sep 26, 2026
Get Fit Certificate
3.85%APY · 1 term
Automatic deposits until preset goal is reached, then balance is transferred to a special 6-month Certificate.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsBasic tier for $500 or $1,000 preset goal | 3.85% | — | 3.85% | $191 |
| 6 monthsPlus tier for $2,500 preset goal | — | 3.85% | 3.85% | $191 |
Sources (2)
All captured Oct 6, 2026
Fixed Rate Certificates
Up to 3.75%APY · 6 terms
Personal and Business certificates. Minimum opening deposit is $1,000. Early withdrawal penalty applies. Dividends posted monthly on anniversary date and at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.75% | $375 |
| 24 months | 3.00% | $609 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.75% | $2,021 |
Sources (2)
All captured Oct 6, 2026
13 Month No Penalty Certificate
2.75%APY · 1 term
Excludes business accounts. No early withdrawal penalty. Certificate will revert to 12 month certificate rate/term in effect at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 2.75% | $298 |
Sources (1)
- vccuonline.net/About/Rates/Deposit-Rates · captured Oct 6, 2026
Jump Up Certificates
2.75%APY · 2 terms
Allows one rate adjustment before maturity if certificate rates increase. 24-month option allows an additional deposit. Minimum deposit $5,000. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.75% | $415 |
| 24 monthsAllows an additional deposit | 2.75% | $558 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Get Fit IRA 1 Year Certificate
3.95%APY · 1 term
Part of Get Fit IRA program. Small annual trustee fee applies. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.95% | $395 |
Sources (2)
All captured Oct 6, 2026
IRA Certificates (Fixed Rate)
Up to 3.85%APY · 5 terms
Available for Traditional, Roth, SEP, and Coverdell IRAs. A small annual trustee fee will apply. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.85% | $385 |
| 24 months | 3.10% | $630 |
| 36 months | 3.35% | $1,039 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.85% | $2,079 |
Sources (2)
All captured Oct 6, 2026
Jump Up IRA Certificate
2.75%APY · 2 terms
Available for IRAs. Small annual trustee fee applies. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.75% | $415 |
| 24 months | 2.75% | $558 |
Sources (2)
All captured Oct 6, 2026
Who can join Ventura County Credit Union
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