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Our accounts, financial tools, and convenient services help you grow your money and live more confidently.


Free accounts. No minimums and a free debit card—or required minimums with dividends. Online and mobile access, and nationwide ATMs. Our many checking products are made to fit your age and stage in life.

Regular Checking

Checking Plus

More Checking Options

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Earn up to


  • 1 Rate effective as of 12/1/2023. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts.


Our savings services help you to be ready when the future arrives–or to cover an unexpected expense. The more you have in your account and the longer you keep your money in savings, the higher rate your dollars earn.

Savings Services

Money Market Savings

Retirement, Investments, and Health

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Earn up to


  • 2 Rate effective as of 12/1/2023. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts.

Credit Cards

Choose from three great cards—each with low rates, awesome features (two with rewards!), and no annual fees.

Flex Rewards Mastercard®

Cash Rewards Mastercard®

Essential Mastercard®

Our lowest intro rate. Ever.

For 12 months on purchases made within 60 days after opening your card.3

  • 3 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 18 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 14.24% to 25.24% variable APR for Essential Mastercard; 16.24% to 27.24% variable APR for Cash Rewards Mastercard; and 18.24% to 29.24% variable APR for Flex Rewards Mastercard as of 12/1/2023 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.