Business Loans Accounts Style 02 Car Loans Checking Credit Cards Digital Banking Accounts Style 01 Home Equity Loans Insurance Investing Membership Mortgage Personal Loans RV, Boat, Motorcycle Loans Savings
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Our lowest intro rate. Ever.

1.99% APR introductory rate for 12 months1 on purchases and balances transferred within 60 days after opening a new VACU Mastercard®. 
After that, variable 11.24%-26.24% APR.

  • 1 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 11.24% to 12.24% variable APR for Essential Mastercard; 13.24% to 14.24% variable APR for Cash Rewards Mastercard; and 15.24% to 16.24% variable APR for Flex Rewards Mastercard as of 4/1/19 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.

Mortgages

Get $500 off closing costs on a new mortgage1. Whether you’re looking to purchase a new home or refinance your perfect home, we got you!

  • 1 Virginia Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. This promotion is valid on new mortgage prequalification or applications submitted between 04/01/19 and 06/30/2019. The closing cost reduction will be limited to the lesser of $500 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 12/31/2019. This is not available for VHDA, Housing Finance Agency/Bond or Rural Development products. This offer can be used in conjunction with the VACU Realty rebate. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union's loan program guidelines.
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Checking

Open a new checking account and get a $100 bonus when you set-up direct deposit. Offer ends June 28, 20192.

  • 2 Offer: In order to qualify for the $100 cash bonus, you must 1) be 18 years of age or older 2) Open a new personal checking account, by June 28, 2019, AND 3) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other eligible monthly income of $500 or greater electronically deposited into the account from an employer or outside agency for two consecutive months within 120 days of opening. We reserve the right to request documentation that the direct deposits qualify. Cash bonus is only available to new and existing members that do not currently have a personal checking account or direct deposit history with us within the prior 12 months. Offer may be withdrawn without notice. All accounts are subject to approval. Encore checking accounts do not qualify for the cash bonus. Employees, Board and Official Family are not eligible to receive this offer. Virginia residents only, 1 offer per member. $100 Cash Bonus Payment: Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer cannot be combined with any other offer, is limited to one per account. We reserve the right to amend or cancel any part of this offer. Minimum opening deposit of $20 is required for VACU personal checking accounts. Product and service eligibility are subject to approval. Your account must be open and in good standing when the bonus is paid, approximately 6 months after opening.
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Car Loans

Our affordable car loans offer you the same low rate whether your car is new or used. Rates as low as 2.99% APR3.

  • 3 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 0.500% 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, 2.99% 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).
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Virginia CU Realty

You could be eligible for rebates up to $2,500 when you use Virginia CU Realty, Virginia Statewide Title Insurance and VACU for your mortgage4.

  • 4 While you are free to select your own real estate brokerage and title insurance company in connection with your mortgage transaction, we offer our members a voluntary program that includes listing discounts for sellers and rebates at settlement. Specifically to qualify for the rebate, you must be a Virginia Credit Union member and close your mortgage through Virginia Credit Union, use Virginia Statewide Title Services for title insurance, and use an agent from Virginia CU Realty as your buyer’s agent. Rebate void where prohibited. Certain restrictions apply. Not available in all areas. Realty services are offered through Virginia CU Realty, LLC, an affiliate of Virginia Credit Union (VACU). VACU may receive a financial or other benefit because VACU, through Virginia Credit Union Financial Services, LLC has an ownership interest in Virginia CU Realty, LLC. For VA residents only. Business conducted with Virginia CU Realty, LLC is separate and distinct from any business with VACU.
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Savings

Make your money go further and reach your goals sooner. The longer you save, the more we pay back in dividends. We’ll show you how. 

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Insurance

Protect your home, car, life and all the things you love through our affiliated insurance partners.

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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.

See how we're different

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.

Learn more about member benefits

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.

View our rates

Local
support

It’s the first word in our name: Virginia. Find in-person support at 18 branches in central Virginia for all of your financial needs.

Find branches and ATMs

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.

View insurance or investment services

Anytime, anywhere,
any device

Get convenient anytime, anywhere access to your funds with online and mobile services, plus a nationwide network of ATMs.

Check out our digital tools

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.