Virginia Credit Union has proudly served the financial needs of employees of the Commonwealth of Virginia since 1928. In these challenging times, your credit union is here to help you to evaluate your financial situation and offer options and solutions to help you.

If you're not yet a member, you may wish to join and take advantage of the benefits of credit union membership, including low rates on loans, attractive savings rates and many free services. Remember, membership is a lifetime benefit. Once you are a member, you can continue to use Virginia Credit Union services even if you retire or change jobs.

We are your credit union. If you feel the need for financial advice or wish to consider various credit union services, it will be our privilege to assist you. Please contact Member Services or visit any of our branches.

Resources
The Virginia Credit Union web site offers information and resources that you may find helpful.

• Checking, savings, and loan calculators
• Establishing an emergency fund
• Savings strategies
• Retirement planning
• Your credit score

BALANCE, a financial fitness program used by Virginia Credit Union, provides information on many aspects of personal finance including printable resources (PDF) such as:

• Money management planner — a tool to help you set goals, monitor your cash flow and track expenses
• Financial first aid — how to inventory your resources and prioritize your financial obligations
• How to manage your finances in a slow economy — information and tips for surviving in turbulent times
• What to do if your income is reduced  short term and long term advice for surviving on less
• Using credit wisely — learn how to make the most of this important financial tool
• Your credit report — information about what's on a credit report and if needed, how to correct it

Free credit counseling and other financial counseling services are also available to members of Virginia Credit Union. It's easy to join us.

Please contact us or visit any of our branches if you have questions about your personal situation and financial matters.