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  • Get $1,000 towards your starter home.

    First-time home buyers, get $1,0001 off closing costs when you finance with us!

    • 1 Virginia Credit Union is offering a $1,000 discount on closing costs on new mortgage loans for first-time home buyers subject to qualification and credit approval. This promotion is valid on new applications submitted between 10/01/22 and 03/31/2023. The closing cost reduction will be limited to the lesser of $1,000 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 06/30/2023. This is not available for Rural Development or construction loan products. This offer can be used in conjunction with the Welcome Home Discount. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union's loan program guidelines. An individual is to be considered a first-time home buyer who (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent also will be considered a first-time home buyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period.
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  • Credit Card Icon

    Credit Cards

    Choose from three great cards with rates as low as  1.99% APR. After that, variable 11.24% - 26.24% APR.2

    • 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 18 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 11.24% to 22.24% variable APR for Essential Mastercard; 13.24% to 24.24% variable APR for Cash Rewards Mastercard; and 15.24% to 26.24% variable APR for Flex Rewards Mastercard as of 06/01/22 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.
  • Savings Icon

    Money Market Savings

    Do more with your savings! Get up to 2.00% APY (Premium Plus accounts) or 1.00% APY (Premium accounts). The more you save, the more you earn. 

  • Personal Loans Icon

    Personal Loans

    Handle the unexpected with a personal loan up to $50,000. Rates as low as 5.99% APR.3

    • 3 Rate effective as of 11/26/2022. 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, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 5.99% to a maximum APR rate of 32.24%. Ask us about other APR and longer term options. Regardless of available discounts, 5.99% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $234.81 at 5.99% APR with a 48 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.
  • Car Loans Icon

    Car Loans

    Our affordable car loans offer you the same low rate whether your car is new or used. Rates as low as 3.99% APR4

    • 4 Rate effective as of 11/26/2022. Vehicle value is based on MSRP or by a source approved by us. Your 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 1.00% discount for a loan-to-value (LTV) that is 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available Discounts,  3.99% 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).
  • Careers

    Jobs at Virginia Credit Union

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

  • Digital Banking Icon

    Digital Banking

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

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.

  • 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.

  • 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.

  • 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.

  • 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.

  • Anytime, anywhere, any device

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

Become a member today.

Joining the credit union is easy. Apply online, or join in-person at one of our local branches.

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.