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Virginia Credit Union and Member One Federal Credit Union announce intent to merge. Learn more.

  • Get $1,000 towards your starter home

    First-time home buyers, get $1,000 off closing costs when you finance with us!?

Front of house, covered in snow
  • Car Loans Icon

    Car Loans

    Our competitive car loans offer you the same rate, whether your car is new or used. Rates as low as 5.74% APR.?

  • Personal Loans Icon

    Personal Loans

    Handle the unexpected with a personal loan up to $50,000. Rates as low as 7.74% APR.?

  • Credit Cards Icon

    Credit Cards

    Whether you want cash rewards, flex points, or an essentials card with your lowest rate, we got you.

  • Checking Icon

    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.

  • Careers Icon

    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.

NCUA logo Insured by NCUA Equal Housing Opportunity logo Equal Housing Opportunity NMLS# 407552
© 2024 Virginia Credit Union