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How to Join FAQs

What is a "Member Share" and why do I have to have a separate account for it?

To become a member, an eligible individual must deposit and keep a minimum of $5. This $5 membership deposit represents your one share in the ownership of your credit union. A separate Member Share account is used to hold only your $5 membership deposit.

I already belong to another credit union. Can I still join Virginia Credit Union?

Yes, you can join VACU too. There's no limit on the number of credit unions you can join and benefit from, as long as you're eligible for each one.

If I'm joining by mail, how do I know when my membership has been opened and what my account number is?

You'll receive by mail your account number, deposit receipt and important information about your account and the many services available to you. Please review the information and call Member Services at (804) 323-6800 or (800) 285-6609 with any questions.

Once I join, how long do I have to wait to apply for a loan or credit card?

You can apply for credit at the same time you join. To submit a credit card or loan application with your membership application by mail, download and complete a credit application.

If I change jobs, retire, move or graduate from college, do I have to close my credit union membership and stop using credit union services?

No, you're a member for life as long as you keep your account active and in good standing. Just call or email us if your situation is changing and you need help with the easiest ways to use your credit union wherever you are.

I'm eligible to join Virginia Credit Union. Do my family members have to live in my same household to join too?

No, they don't as long as the relative is your spouse, child, grandchild, parent, grandparent, sister or brother.

I'm already a member. Can my cousin, aunt or uncle join, too, because of their relationship to me?

They do not qualify as your immediate family members. However, if they live in your household, they are eligible as members of your household. It's also possible they could become eligible through other Virginia Credit Union members in your family or other eligible groups. Contact Member Services at (804) 323-6800 or (800) 285-6609 for more information.