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Get $1,000 off closing costs!

Last chance — first-time homebuyers get $1,000 off closing costs?  when you finance with us.

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Love your car but not the rate?

For a limited time, refinance another lender's loan with us and get a discounted rate! Rates starting as low as 4.24%  APR.? 

Learn more
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Power your plans with a personal loan.

You've got goals, and we can help with a personal loan. Rates starting as low as 6.99%  APR.? 

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Today's Rates
Car Loans
as low as
4.24
%
APR
?
Personal Loans
as low as
6.99
%
APR
?
Home Purchase
as low as
5.55
%
APR
?
Savings Certificates
dividends up to
3.75
%
APY
?
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Banking with a personal touch.

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. We’ve got local member support with 23 branches in central Virginia 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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Joining the credit union is easy. Apply online, or join in-person at one of our local branches.

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10 Steps to Financial Success

Get your finances back on track and find your version of financial success with Virginia Credit Union. Get smart about your money using these 10 steps to create goals, budget, save, and more!

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804-323-6800 VACU Routing Number 251082615
  • 1

    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 9/01/2025 and 2/28/2026. 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 5/31/2026. 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 if he or she (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.

  • 2

    Rate effective as of 02/01/2026. 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, 4.24% 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. 

  • 3

    Rate effective as of 02/01/2026. 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 6.99% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 6.99% 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 $239.39 at 6.99% 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.

  • 4

    The loan product and rate examples seen here are current as of 1/30/2026 10:32:19. 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.

  • 5

    Rate effective as of 02/01/2026. 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.

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