Get $500 off closing costs!For a limited time, finance your mortgage with us and we'll give you $500 off at closing!11 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 04/01/23 and 9/30/2023. 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 12/31/2023. This is not available for USDA 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. Learn more Learn more Car LoansOur affordable car loans offer you the same low rate whether your car is new or used. Rates as low as 5.74% APR.22 Rate effective as of 9/25/2023. 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, 5.74% 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). Personal LoansHandle the unexpected with a personal loan up to $50,000. Rates as low as 7.74% APR.33 Rate effective as of 9/25/2023. 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 7.74% to a maximum APR rate of 32.49%. Ask us about other APR and longer term options. Regardless of available discounts, 7.74% 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 $239.46 at 7.74% 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. Credit CardsWhether you want cash rewards, flex points, or an essentials card with your lowest rate, we got you. CheckingFrom simple accounts with no minimums to those that reward you for a deeper banking relationship, we have a checking account to meet your needs. Jobs at Virginia Credit UnionWe're hiring across all departments! Start a career at a place that values and rewards its employees. Digital BankingMeet 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 bankWe 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 ratesFor 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 supportIt’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 roofBeyond everyday personal and business banking needs, we offer loans and mortgages, insurance, investments, and education through VACU and our affiliated partners. Anytime, anywhere, any deviceGet 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. Join now Live more confidentlyWe 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. VideoWatch: Plan Your Financial Date Night VideoWatch: Seeing Through the Scam ArticleKeeping Personal Information Safe on Your Cell Phone Article6 Tips to Navigate an Uncertain Real Estate Market VideoWatch: The Why Behind Buying VideoWatch: Get to Know Your Financial Health Score View more News and Events Featured Image NewsCharter Conversion Update VACU planning on converting to a federally chartered credit union. Featured Image NewsFeed More Wins with Virginia Credit Union's Strike Out Hunger Campaign VACU presents a check for $6,000 to the hunger-relief leader Feed More. Featured Image NewsVirginia Credit Union Voted The Best Credit Union Virginia Credit Union has been recognized as "The Best Credit Union" by Richmond Magazine and Virginia Living Magazine. View more
Car LoansOur affordable car loans offer you the same low rate whether your car is new or used. Rates as low as 5.74% APR.22 Rate effective as of 9/25/2023. 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, 5.74% 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).
Personal LoansHandle the unexpected with a personal loan up to $50,000. Rates as low as 7.74% APR.33 Rate effective as of 9/25/2023. 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 7.74% to a maximum APR rate of 32.49%. Ask us about other APR and longer term options. Regardless of available discounts, 7.74% 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 $239.46 at 7.74% 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.
Credit CardsWhether you want cash rewards, flex points, or an essentials card with your lowest rate, we got you.
CheckingFrom simple accounts with no minimums to those that reward you for a deeper banking relationship, we have a checking account to meet your needs.
Jobs at Virginia Credit UnionWe're hiring across all departments! Start a career at a place that values and rewards its employees.
Digital BankingMeet 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 bankWe 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 ratesFor 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 supportIt’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 roofBeyond everyday personal and business banking needs, we offer loans and mortgages, insurance, investments, and education through VACU and our affiliated partners. Anytime, anywhere, any deviceGet convenient anytime, anywhere access to your funds with online and mobile services, plus a nationwide network of ATMs.
We’re a credit union, not a bankWe 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 ratesFor 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 supportIt’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 roofBeyond everyday personal and business banking needs, we offer loans and mortgages, insurance, investments, and education through VACU and our affiliated partners.
Anytime, anywhere, any deviceGet 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. Join now
Live more confidentlyWe 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.
VideoWatch: Plan Your Financial Date Night VideoWatch: Seeing Through the Scam ArticleKeeping Personal Information Safe on Your Cell Phone Article6 Tips to Navigate an Uncertain Real Estate Market VideoWatch: The Why Behind Buying VideoWatch: Get to Know Your Financial Health Score View more
News and Events Featured Image NewsCharter Conversion Update VACU planning on converting to a federally chartered credit union. Featured Image NewsFeed More Wins with Virginia Credit Union's Strike Out Hunger Campaign VACU presents a check for $6,000 to the hunger-relief leader Feed More. Featured Image NewsVirginia Credit Union Voted The Best Credit Union Virginia Credit Union has been recognized as "The Best Credit Union" by Richmond Magazine and Virginia Living Magazine. View more
Featured Image NewsCharter Conversion Update VACU planning on converting to a federally chartered credit union.
Featured Image NewsFeed More Wins with Virginia Credit Union's Strike Out Hunger Campaign VACU presents a check for $6,000 to the hunger-relief leader Feed More.
Featured Image NewsVirginia Credit Union Voted The Best Credit Union Virginia Credit Union has been recognized as "The Best Credit Union" by Richmond Magazine and Virginia Living Magazine.