Our lowest intro rate. Ever. Enjoy a 1.99% APR introductory rate for 12 months1 on a new VACU Mastercard®.  After that, variable 11.24%-26.24% APR.

• 1 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 11.24% to 12.24% variable APR for Essential Mastercard; 13.24% to 14.24% variable APR for Cash Rewards Mastercard; and 15.24% to 16.24% variable APR for Flex Rewards Mastercard as of 4/1/19 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.

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.

Get $500 off closing costs2 on a new mortgage. Whether you’re looking to purchase a new home or refinance your perfect home, we got you!

• 2 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 mortgage pre-qualification or applications submitted between 04/01/19 and 09/30/2019. 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 12/31/2019. 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 rebate. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union's loan program guidelines.

You could be eligible for rebates up to $2,500 when you use Virginia CU Realty, Virginia Statewide Title Insurance and VACU for your mortgage3.

• 3 While you are free to select your own real estate brokerage and title insurance company in connection with your mortgage transaction, we offer our members a voluntary program that includes listing discounts for sellers and rebates at settlement. Specifically to qualify for the rebate, you must be a Virginia Credit Union member and close your mortgage through Virginia Credit Union, use Virginia Statewide Title Services for title insurance, and use an agent from Virginia CU Realty as your buyer’s agent. Rebate void where prohibited. Certain restrictions apply. Not available in all areas. Realty services are offered through Virginia CU Realty, LLC, an affiliate of Virginia Credit Union (VACU). VACU may receive a financial or other benefit because VACU, through Virginia Credit Union Financial Services, LLC has an ownership interest in Virginia CU Realty, LLC. For VA residents only. Business conducted with Virginia CU Realty, LLC is separate and distinct from any business with VACU.

Make your money go further and reach your goals sooner. The longer you save, the more we pay back in dividends. We’ll show you how. 

Protect your home, car, life and all the things you love through our affiliated insurance partners.