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0% APR intro rate for 12 months

on purchases and balance transfer made within 60 days after opening a Virginia Credit Union Mastercard®. After that, the rate is variable 13.24%- 17.99%.?

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Get $500 off closing

For a limited time, finance your mortgage through Virginia Credit Union and we'll give you $500 towards your closing costs.?

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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. We’ve got local member support with 23 branches in central Virginia for all your financial needs.

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News and Events

Following Successful Merger With Roanoke-Based Member One, Virginia Credit Union To Unify Brand, Operations in 2026

VACU and its Member One division are pleased to announce that the organization will operate in all markets as Virginia Credit Union, beginning in the spring of 2026.

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Steps to Get Out of Debt

What steps should you take to get out of debt? First, you need to get a full overview of the debts you owe. Then, understand the many options such as power pay, refinancing, consolidating, or principal-only payments that are available. Decide on the best choice, and implement your gameplan. Here’s how.

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1
Rate effective as of 06/04/2025. 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. 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 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 13.24% to 17.99% variable APR for Essential Mastercard; 15.24% to 17.99% variable APR for Cash Rewards Mastercard; and 17.24% to 17.99% variable APR for Flex Rewards Mastercard as of 06/04/2025 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 Federal Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. This promotion is valid for new applications submitted between 3/1/2025 and 8/31/2025. The closing costs reduction will be limited to the lesser of $500 or lender closing costs and may not exceed the maximum seller contribution limits set by program guidelines. Mortgage loan must close by 11/30/2025. This offer 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 Federal Credit Union’s loan program guidelines.
4
Rate effective as of 06/04/2025. 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 7.74% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 7.74% 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 $242.94 at 7.74% 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 6/3/2025 10:21:52. 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 06/04/2025. 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.