Become a MemberWhen you join Virginia Credit Union, you’re doing more than finding a financial partner: You’re becoming an owner. We listen to what our members say and develop affordable services and products that help you put your money to work for you, helping you reach your goals sooner. Get Started It’s easier than ever to become a Virginia Credit Union member! Explore our products and open an account, apply for membership, or learn about becoming a business member. 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. Savings Do your long-term plans include buying a house, paying for college, or enjoying retirement? Our savings services help you prepare for these future goals or cover unplanned expenses. Credit Cards Choose from our three personalized cards, each with low rates, outstanding features, and no annual fees. Loans Explore our loans with great rates and low fees, giving you peace of mind to make the best financial choices and the most of every day. Membership Only Looking to become a member? Pay your $5 member share to get started. Business Membership The same benefits we offer members we extend to businesses in Virginia, including one-of-a-kind perks for your entire team. Explore Business Membership. Member Benefits Here’s just a few of our features and benefits: Wide range of affordable banking service Low rates on loans and mortgage, plus special offers on related services Convenient 24/7 access anywhere with online and mobile services Easy-to-access branch locator Supportive staff focused on your needs College scholarships Lifetime membership Free financial seminars and online resources Lower fees and tips on how to avoid fees altogether Attractive savings options Free notary services at our branches with photo ID Comprehensive retirement and investing services Safe deposit boxes at select branches. Contact us at 804-323-6800 for information and availability Official checks for purchases that require a guaranteed payment, such as real estate closings Free Medallion Signature Guarantees – required for transactions that involve security transfers (stocks, bonds, mutual funds) – at our branches with photo ID Learn more about member benefits Who Can Join? VACU membership is open to a wide range of individuals and groups. It's easier than ever to become a member! General Eligibility Requirements: Employees and retirees of any:Commonwealth of Virginia state agency or departmentCounty, city, town, or other political subdivision in VirginiaIndividuals who live, work, worship, volunteer, or attend school within the boundaries of:City of RichmondCity of PetersburgCity of HopewellAltavistaFranklin CountyMontgomery CountyCity of RadfordTown of VintonCity of FredericksburgBuckingham CountyCumberland CountyTown of AmherstTown of BedfordBotetourt CountyCampbell CountyForestNottoway CountyPrince Edward CountyTown of FarmvilleCity of LynchburgPittsylvania CountyCity of RoanokeCity of SalemTown of BlacksburgEmployees of, retirees of, or full-time/part-time students currently enrolled at:Any Virginia state-funded college or universityVirginia Union UniversityRandolph-Macon CollegeLiberty UniversityUniversity of Richmond Immediate family and household members, regardless of where they live, which include:ParentsSpousesChildrenSiblingsGrandparentsGrandchildren Learn more about membership Still not able to join? VACU has teamed up with the American Consumer Council (ACC) to offer another way for you to join. When you stop by a branch, we will handle your enrollment in the ACC and pay your lifetime membership fee. This option is also available if you choose to open your account online! Find a branch Still have questions? Apply online, join in-person at one of our local branches, or contact us directly. Visit a branch Contact us Become a Member Resources See More Resources Why choose Virginia Credit Union? Our accounts, financial tools, and convenient services help you grow your money and live more confidently. Locations As a VACU member, you have access to your funds at thousands of locations nationwide and ATMs worldwide. Membership FAQs Frequently asked questions about membership.
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.
Savings Do your long-term plans include buying a house, paying for college, or enjoying retirement? Our savings services help you prepare for these future goals or cover unplanned expenses.
Credit Cards Choose from our three personalized cards, each with low rates, outstanding features, and no annual fees.
Loans Explore our loans with great rates and low fees, giving you peace of mind to make the best financial choices and the most of every day.
Business Membership The same benefits we offer members we extend to businesses in Virginia, including one-of-a-kind perks for your entire team. Explore Business Membership.
Still not able to join? VACU has teamed up with the American Consumer Council (ACC) to offer another way for you to join. When you stop by a branch, we will handle your enrollment in the ACC and pay your lifetime membership fee. This option is also available if you choose to open your account online! Find a branch
Why choose Virginia Credit Union? Our accounts, financial tools, and convenient services help you grow your money and live more confidently.
Locations As a VACU member, you have access to your funds at thousands of locations nationwide and ATMs worldwide.