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
Skip to main content
Customer and cashier doing a credit card transaction

Our lowest intro rate. Ever.

1.99% APR introductory rate for 12 months1 on a new VACU Mastercard®.  After that, variable 10.99%-25.99% 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 10.99% to 21.99% variable APR for Essential Mastercard; 12.99% to 23.99% variable APR for Cash Rewards Mastercard; and 14.99% to 25.99% variable APR for Flex Rewards Mastercard as of 10/1/19 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.

Car Loans

Our affordable car loans offer you the same low rate whether your car is new or used. Rates as low as 2.59% APR1.

  • 1 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, 2.59% 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

Mortgages

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

Review products

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.

Find accounts

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 mortgage2.

  • 2 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 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.
Learn more

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. 

See options

Insurance

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

Get protected
Wall with colorful mural

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.