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  We’re answering more member support calls than ever. But there’s no wait with our digital banking.

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Some things are more important than money.

Like your health. Your family. Your pride in your work. Standing up for what's right. Spend time on the important stuff. We’re here to make your banking easier.

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% 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, 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).
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Mortgages

Whether you’re looking to purchase or refinance, we got you! Apply by 9/30/2020 and get $500 off closing costs2 on a new mortgage.

  • 2 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 applications submitted between 02/01/20 and 09/30/2020. 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 12/31/2020. 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, Virginia Select, and Joyner Fine Properties 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

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.

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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 mortgage3.

  • 3 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.
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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 20 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.

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