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  • Welcome to couch banking.

    Get everything done without waiting in line with our online banking!

person on couch with flex card doing online shopping
  • Car Loans Icon

    Car Loans

    Our affordable car loans offer you the same low rate whether your car is new or used. Rates as low as 1.99% APR.1

    • 1 Rate effective as of 01/21/2022. 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 0.750% discount for a loan-to-value (LTV) that is 115% or less, and a 0.750% discount for a loan amount of $20000 or more. Regardless of available Discounts,  1.99% 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).
  • Personal Loans Icon

    Personal Loans

    Handle the unexpected with a personal loan up to $50,000. Rates as low as 6.99% APR.2

    • 2 Rate effective as of 01/21/2022. 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. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 9.49% to a maximum APR rate of 24.99%. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $197.95 at 6.99% APR with a 60 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. Members who are approved for a personal loan will receive a 2.0% discount for a loan amount of $7,500 or more for 48 months or more, and a 3.0% discount for a loan amount of $10,000 or more for 60 months or more. Regardless of available discounts, 6.99% is the minimum APR offered which includes maximum discounts. Ask us about other APR and longer term options.
  • Credit Card Icon

    Credit Cards

    Whether you’re looking for rewards or low rates, we have three great cards to pick from—all backed by the benefits of Mastercard®.

  • Mortgage Icon

    Mortgages

    From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process.

  • Careers

    Jobs at Virginia Credit Union

    We're hiring across all departments! Start a career at a place that values and rewards its employees.

  • 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.

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.