Put yourself in the driver's seat. Our affordable car loans offer you the same low rate whether your car is new or used. Rates as low as 4.99% APR.1 1 Rate effective as of 3/24/2023. 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, 4.99% 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). Learn more Learn more Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process. Personal Loans Handle the unexpected with a personal loan up to $50,000. Rates as low as 6.49% APR.2 2 Rate effective as of 3/24/2023. 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 6.49% to a maximum APR rate of 32.24%. Ask us about other APR and longer term options. Regardless of available discounts, 6.49% 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 6.49% 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 Cards Choose from three great cards with rates as low as 1.99% APR. After that, variable 13.49% - 28.49% APR.3 3 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 13.49% to 24.49% variable APR for Essential Mastercard; 15.49% to 26.49% variable APR for Cash Rewards Mastercard; and 17.49% to 28.49% variable APR for Flex Rewards Mastercard as of 12/01/22 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. 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. 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 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. Join now 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. Video Financial Success for Kids: Kyle Keeps Track of Cash Video Watch: Get to Know Your Financial Health Score Video Webinar: SMART Money Goals Video The Credit Card Explained Video Webinar: How to Protect Your Identity Video Financial Success for Kids: Gabriel Gets a Great Deal View More News and Events Featured Image News Credit Union makes a big assist to Children’s Hospital of Richmond at VCU Event 2023 Virtual Annual Meeting Wednesday, March 29, 20234:00 pm - 4:30 pm Featured Image News Virginia Credit Union Launches RPS Saves With Richmond Public Schools View More
Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process.
Personal Loans Handle the unexpected with a personal loan up to $50,000. Rates as low as 6.49% APR.2 2 Rate effective as of 3/24/2023. 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 6.49% to a maximum APR rate of 32.24%. Ask us about other APR and longer term options. Regardless of available discounts, 6.49% 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 6.49% 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 Cards Choose from three great cards with rates as low as 1.99% APR. After that, variable 13.49% - 28.49% APR.3 3 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 13.49% to 24.49% variable APR for Essential Mastercard; 15.49% to 26.49% variable APR for Cash Rewards Mastercard; and 17.49% to 28.49% variable APR for Flex Rewards Mastercard as of 12/01/22 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.
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.
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 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.
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. Join now
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.
Video Financial Success for Kids: Kyle Keeps Track of Cash Video Watch: Get to Know Your Financial Health Score Video Webinar: SMART Money Goals Video The Credit Card Explained Video Webinar: How to Protect Your Identity Video Financial Success for Kids: Gabriel Gets a Great Deal View More
News and Events Featured Image News Credit Union makes a big assist to Children’s Hospital of Richmond at VCU Event 2023 Virtual Annual Meeting Wednesday, March 29, 20234:00 pm - 4:30 pm Featured Image News Virginia Credit Union Launches RPS Saves With Richmond Public Schools View More