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Become a Member
When 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.
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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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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.
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Credit Cards
Choose from our three personalized cards, each with low rates, outstanding features, and no annual fees.
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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.
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Membership Only
Looking to become a member? Pay your $5 member share to get started.
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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 800-285-6609 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
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 department
- County, city, town, or other political subdivision in Virginia
Individuals who live, work, worship, volunteer, or attend school within the boundaries of:
- City of Richmond
- City of Petersburg
- City of Hopewell
- Altavista
- Franklin County
- Montgomery County
- City of Radford
- Town of Vinton
- City of Fredericksburg
- Buckingham County
- Cumberland County
- Town of Amherst
- Town of Bedford
- Botetourt County
- Campbell County
- Forest
- Nottoway County
- Prince Edward County
- Town of Farmville
- City of Lynchburg
- Pittsylvania County
- City of Roanoke
- City of Salem
- Town of Blacksburg
Employees of, retirees of, or full-time/part-time students currently enrolled at:
- Any Virginia state-funded college or university
- Virginia Union University
- Randolph-Macon College
- Liberty University
University of Richmond
Immediate family and household members, regardless of where they live, which include:
- Parents
- Spouses
- Children
- Siblings
- Grandparents
- Grandchildren
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Become a Member Resources
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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.