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 Our branch lobbies are now fully open. Learn more about our COVID-19 response.

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Handle the unexpected with a personal loan.

When you need the funds fast, a personal loan could help. Rates as low as 6.99% APR.1

  • 1 Rate effective as of 09/17/2021. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 9.49% to a maximum APR rate of 24.99%. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $197.95 at 6.99% APR with a 60 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time. Members who are approved for a personal loan will receive a 2.0% discount for a loan amount of $7,500 or more for 48 months or more, and a 3.0% discount for a loan amount of $10,000 or more for 60 months or more. Regardless of available discounts, 6.99% is the minimum APR offered which includes maximum discounts. Ask us about other APR and longer term options.

Car Loans

Our affordable car loans offer you the same low rate whether your car is new or used. Rates as low as 1.99% APR1.

  • 1 Rate effective as of 09/17/2021 to qualified borrowers and subject to change. Vehicle value is based on MSRP or by a source approved by us. Your annual percentage rate (APR) is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 0.750% discount for a loan-to-value (LTV) that is 115% or less, and a 0.750% discount for a loan amount of $20,000 or more. Regardless of available discounts,  1.99% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in Credit Union Direct Lending (CUDL).
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Credit Cards

1.99% APR intro rate for 12 months2 on purchases and balance transfers made within 60 days after opening a new VACU Mastercard®. After that, variable 8.99%-23.99% APR.

  • 2 Conditions of Offer: Not all members qualify for this offer. Which promotional APRs for purchases and balance transfers that a qualified member receives is based upon such member’s standard APRs for purchases and balance transfers. Purchases made and balances transferred within 60 days of card opening retain a promotional APR for 12 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 8.99% to 19.99% variable APR for Essential Mastercard; 10.99% to 21.99% variable APR for Cash Rewards Mastercard; and 12.99% to 23.99% variable APR for Flex Rewards Mastercard as of 6/1/2020 and subject to change. We will begin charging interest on balance transfers on the transaction date. If payment is ever 90 days or more past due; the promotional APR is forfeited and reverts back to the purchase and balance transfer APR then in effect and applies to the entire outstanding promotional balance. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Disclosures for Special Offers or Card Agreement & Disclosure Statement for more information.
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Mortgages

Whether you're looking to purchase or refinance, we got you! Apply by September 30th to take advantage of this limited time offer.3

  • 3 Virginia Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. This promotion is valid on new applications submitted between 04/01/21 and 09/30/2021. The closing cost reduction will be limited to the lesser of $500 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 12/31/2021. This is not available for VHDA, Housing Finance Agency/Bond, or Rural Development products. This offer can be used in conjunction with the VACU Realty, Virginia Select, and Joyner Fine Properties rebate. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union’s loan program guidelines.
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Digital Banking

Meet all your banking needs from the comfort of your home! Enroll in digital banking today.

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Jobs at Virginia Credit Union

We're hiring across all departments! Start a career at a place that values and rewards its employees. 

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Checking

From simple accounts with no minimums to those that reward you for a deeper banking relationship, we have a checking account to meet your needs.

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Why VACU

Welcome to Virginia Credit Union. We're here to help you take control of your finances with affordable services, knowledge and opportunities for you to take your money further and reach your goals sooner.

We’re a credit
union, not a bank

We don’t have shareholders, and we aren’t here to make a profit. As a not-for-profit organization, we serve our members, the owners of our financial cooperative.

See how we're different

Low fees
(and sometimes no fees)

So where do profits go? Earnings are returned to members through a broad range of convenient services, attractive rates, lower fees and free financial education resources.

Learn more about member benefits

Better
rates

For saving, we offer attractive options for growing your money. If you need to borrow funds (whether business or personal), we offer lower rates on loans, mortgages, and credit cards.

View our rates

Local
support

It’s the first word in our name: Virginia. Find in-person support at 20 branches in central Virginia for all of your financial needs.

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All your needs
under one roof

Beyond everyday personal and business banking needs, we offer loans and mortgages, insurance, investments, and education through VACU and our affiliated partners.

View insurance or investment services

Anytime, anywhere,
any device

Get convenient anytime, anywhere access to your funds with online and mobile services, plus a nationwide network of ATMs.

Check out our digital tools

Live more confidently

We go beyond checking accounts or assisting with loans and mortgages. We are here to serve you with knowledge and financial education to help you grow more confident about your money and future.

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