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Love your car but not the payment?

For a limited time, refinance another lender's loan with us, and get a discounted rate! Rates starting as low as 4.49% APR.? 

Featured Offers
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Your life, your rewards

Apply for a rewards credit card, and start earning cash back or points. Plus, save on interest with a 0% intro rate for 12 months. After that, a variable APR applies.? 

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$500 off closing costs

First-time homebuyers, get $1,000 off closing costs? when you finance with us. Get a little help for that first big step.

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When you join Virginia Credit Union, you become a member and owner of the financial cooperative. Earnings are returned to you through a broad range of convenient services, attractive rates, lower fees, and more. With 39 branches across Virginia, you can count on local support for all your financial needs.

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Whether you're at home or on-the-go, easily manage and access your funds with our online banking and mobile app.

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  • 1

    Rate effective as of 10/27/2026. 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, 0.50% discount for a loan-to-value (LTV) that is between 115.01-125%, 1.5% discount for a loan amount of $35,000 or more, 1.00% discount for a loan amount between $20,000-34,999.99, and 0.25% for a loan amount between $10,000 - $19,999.99. Members that refinance an auto loan from a non-VACU lender will receive a .50% discount on the qualified refinance rate. Existing VACU and Member One loans are not eligible. Subject to credit and collateral approval. Regardless of available discounts, 4.49% 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 our Preferred Dealer Network. 

  • 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 12.49% to 17.99% variable APR for Essential Mastercard; 14.49% to 17.99% variable APR for Cash Rewards Mastercard; and 16.49% to  17.99% variable APR for Flex Rewards Mastercard as of 10/27/2026 and subject to change. We will begin charging interest on balance transfers on the transaction dates. 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.

  • 3

    Virginia Credit Union is offering a $1,000 discount on closing costs on new mortgage loans for first-time homebuyers, subject to qualification and credit approval. This promotion is valid on new applications submitted between 9/01/2026 and 2/28/2027. 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 5/31/2027. 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. An individual is to be considered a first-time homebuyer 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 homebuyer 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.

  • 4

    Rate effective as of 10/27/2026. 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 7.24% to a maximum APR rate of 18.00%. Ask us about other APR and longer-term options. Regardless of available discounts, 7.24% 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 $240.58 at 7.24% 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.

    For loan amounts between $100 and $2,000, you will be directed to the Express Personal Loan with an APR of 28.00%, subject to credit approval. Repay an Express Personal Loan in a minimum of 1 month to a maximum of 12 months. No more than one VACU Express Personal Loan is allowed to be open at a time, and Express Personal Loans cannot be refinanced to other VACU loans. No application fee. Payment example: Based on a $1,500 loan with a monthly payment of $144.76 at  28.00% APR with a 12-month term. This example is an estimate only and assumes all payments are made on time.

  • 5

    The loan product and rate examples seen here are current as of 10/26/2026 10:48:39. These rates are for illustrative purposes only. Other product and rate options are available. Your actual rate and APR are dependent upon your application and may vary based on factors such as your credit score, loan purpose, occupancy, property type, loan amount, and the value of your home. Interest rate and APR are updated daily and subject to change without prior notice. Please note that an origination fee may be included in the APR.

  • 6

    Rate effective as of 10/27/2026. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts. Dividend earnings are compounded quarterly and paid on accounts with $100 or more and there is no minimum balance to earn APY for members under age 23.