Continuing a Tradition of Service to Norfolk Southern Employees For more than 80 years, Norfolk Southern employees have trusted a credit union founded by their own — beginning in 1940 when a group of Norfolk & Western Railway employees came together in Roanoke, Virginia, to create a financial cooperative built on service and community.Today, that spirit lives on at Virginia Credit Union. Through our 2024 merger with Member One, we’ve grown into a stronger financial partner serving nearly half a million members while staying true to the people who started it all.Virginia Credit Union is excited to support your financial goals with expanded resources and that same member‑first commitment. Together, we look forward to helping you achieve your vision of financial success. Join Virginia Credit Union, and enjoy our suite of personalized financial products. Auto Loans Discover our competitive rates to purchase used or new, or refinance your current vehicle. Personal 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. Credit Cards Choose from our three personalized cards, each with low rates, outstanding features, and no annual fees. Checking & Savings Our accounts, financial tools, and convenient services help you grow your money and live more confidently. Financial Education Resources Find tools, resources, and tips from our expert team to help you and your family make financial decisions with confidence. Financial Wellness Program Explore interactive content modules and opportunities to earn rewards through Banzai. Join at no cost. Since you're a Norfolk Southern employee, we'll cover your $5 member share. Apply today, and take advantage of our great rates and various member benefits. Apply now Have questions? Email norfolksouthern@vacu.org for support. Home loan offerings & servicesOur mortgage team serves all of Virginia and also offers mortgage products in Alabama, Georgia, Illinois, Maryland, North Carolina, Ohio, Pennsylvania, Tennessee, and West Virginia. Relocating? We got you. Finance your next mortgage with us, and we'll give you $1,000 toward closing costs–just for being a Norfolk Southern employee. We also offer: Competitive Rates With our fixed-rate and adjustable-rate loan options, you can spend less time shopping for the right rate and more time shopping for the right home. Fast Pre-Qualifications Fast and free pre-qualifications let sellers and real estate agents know you’re serious about buying a home. Flexible Down Payments Low down payment options are available. We can help you choose the option that's right for you. Home Loan Options Explore options for primary residences, second homes, investment properties, and land. Mortgage Experts Our experienced loan officers are ready to help guide you through the mortgage process. Home Loan Resources Discover our helpful tools, such as online calculators and educational webinars. Ready to get started? Just like homes, mortgages come in many shapes and sizes. We’re here to help clear up the process. Our mortgage experts can recommend the best mortgage to make the most of your money. Contact a Mortgage Loan Officer Apply for a mortgage
Auto Loans Discover our competitive rates to purchase used or new, or refinance your current vehicle.
Personal 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.
Credit Cards Choose from our three personalized cards, each with low rates, outstanding features, and no annual fees.
Checking & Savings Our accounts, financial tools, and convenient services help you grow your money and live more confidently.
Financial Education Resources Find tools, resources, and tips from our expert team to help you and your family make financial decisions with confidence.
Financial Wellness Program Explore interactive content modules and opportunities to earn rewards through Banzai.
Competitive Rates With our fixed-rate and adjustable-rate loan options, you can spend less time shopping for the right rate and more time shopping for the right home.
Fast Pre-Qualifications Fast and free pre-qualifications let sellers and real estate agents know you’re serious about buying a home.
Flexible Down Payments Low down payment options are available. We can help you choose the option that's right for you.
Home Loan Options Explore options for primary residences, second homes, investment properties, and land.
Mortgage Experts Our experienced loan officers are ready to help guide you through the mortgage process.