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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.

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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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    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 Icon


    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.

  • Personal Loans Icon


    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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    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

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

Employees, retirees and members of the following companies, groups, organizations and associations.

Individuals who live, work, worship, volunteer or attend school within the boundaries of:

  • City of Richmond
  • City of Petersburg
  • City of Hopewell
  • City of Fredericksburg
  • Buckingham County
  • Cumberland County
  • Nottoway County
  • Prince Edward County
  • Town of Farmville

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
  • University of Richmond

Immediate family and household members, regardless of where they live, which include:

  • Parents
  • Spouses
  • Children
  • Siblings
  • Grandparents
  • Grandchildren

Full List of Eligible Employers, A-Z

5th Avenue Cleaners/Addison Services, Inc.
A&J Technologies, Inc.
Abilene Motor Express
Acca Shriners
Ace Towing
ACF Environmental
Acors & Griffith
Actum, Inc.
Adjust to Life Behavioral Services, LLC
Admiral Security Services
Advance Trailer Systems, Inc. d/b/a Riverside Logistics Services
AECOM (Richmond employees only)
AFP Industries, Inc.
Air Excellence, Inc.
Air Specialists of Virginia, Inc.
Airport Hospitality
Ajilon Professional Staffing (Richmond employees only)
Albemarle County Department of Fire Rescue – Volunteer Firefighters
Albemarle County Department of Fire Rescue – Volunteer EMS
All Aboard Child Development Center
All About Care, LLC
All Nurses Care, Inc.
All Risks Ltd. Of Virginia
Allen Management, Inc.
Allen, Allen, Allen, and Allen
Allianz Global Assistance (Richmond employees)
Alstom Power, Inc. (Virginia employees only)
Amcor Packaging
American Association of School Administrators (Employees)
American Family Fitness
American Red Cross – Greater Richmond Chapter (Richmond employees only)
American Specialty Equipment Corp.
AMF Bowling Worldwide
Amica Mutual Insurance Company (Richmond employees only)
Anton Paar USA, Inc.
Apex Systems, Inc.
Apple Door Systems, Inc.
Appomattox Title Company
Aquia Harbour Property Owners Association, Inc.
Architects Dayton Thompson & Associates, PC
Architectural & Engineering Supply Company
ARTon Products, Inc.
Astyra Corporation
Atlantic Coast Athletic Clubs
Atlantic Coast Cranes & Machinery, Inc.
Atlantic Constructors, Inc.
Atlantic Tower Corporation
B&B Printing Co., Inc.
Bantam’s Plumbing Company, Inc.
Barakel, Inc.
Battlefield Park Elementary School PTA (Members)
Beaverdam Elementary School PTA (Members)
Beloro, Inc. DBA Southern Copier Sales & Service
Bill Gosling Outsourcing
Black Creek Baptist Church
Blair Dumond, Inc.
Blue Beacon of Fredericksburg
Blue Ridge Grading & Utilities, Inc.
Blue Ridge Home Builders Association (Members)
Boar’s Head Provisions Co., Inc.
Bon Secours Retirement Community
Bon Secours Richmond Health Systems (Employees and all physicians and their respective staff members affiliated with Bon Secours Richmond Health System or its direct facilities)
Bostwick Laboratories, Inc.
Bowl America
Boydton Community Health Facility, Inc.
Brandermill Community Association, Inc.
Brandermill Woods Retirement Community
Briefings Media Group
Brink’s (Richmond Corporate employees only)
Brown & Brown Insurance (Richmond and Roanoke employees)
Brown Distributing Company, Inc.
BrownGreer PLC
Buckingham Branch Railroad
Buford Road Pharmacy
Bug Buster Pest Control Services, Inc.
Burlington Coat Factory (Richmond and Fredericksburg employees only)
Business Opportunities for the Blind, Inc.
C-Fit Community
C&L Plumbing
C234, Inc. dba Cross Timbers Roofing
Canterbury Community Nursery School
Capital Area Health Network
Care Advantage, Inc.
Carolina Container Company
Caroline County Fire & Rescue – EMS Volunteers
Caroline County Fire & Rescue – Volunteer Firefighters
Caroline Pines Property Owners
Carousel Physical Therapy, Inc.
Carter Printing Company
Catholic Diocese of Richmond and its integrated auxiliaries (Employees)
Cavalier Telephone, L.L.C.
CBRE of Virginia (Richmond employees only)
Centura College
Century Engineering, Inc.
CFA Institute
Chamber of Commerce of Colonial Heights and Petersburg, Virginia, Inc. (Employees and Members)
Chamisoft, Inc.
Chandler Chevrolet
Chanello’s Pizza (Richmond & Mechanicsville locations only)
Charlottesville Area Association of Realtors (Members and Employees)
Chesterfield Observer
Chickahominy Middle School PTA (Members)
Chick-fil-A (Colonial Heights location only)
Child Care Aware Virginia (Virginia employees)
ChildFund International
Childhelp, Inc.
Children’s Hospital
Choice Entertainment
ClearPoint Financial Solutions (Virginia employees)
Coal Harbor Elementary School PTA (Members)
Cobb Office Technologies
CodeBlue Technology, LLC
Collegiate Funding Services, LLC (Virginia employees only)
Collegiate School
Colliers International (Richmond area employees)
Colonial Athletic Association (CAA)
Colonial Chem-Dry
Colonial Downs Group, LLC (Virginia locations)
Colonial Ford Truck of Tidewater, Inc.
Colonial Ford Truck Sales, Inc.
Colonial Plumbing & Heating, Co.
Colonial Tire Distributors, Inc.
Colonial Truck Sales, Inc.
ColonialWebb Contractors
Colortree Group
Comcast (Richmond area employees)
Comfort Assured Nurses Corporation
Commonwealth Anesthesia Associates
Commonwealth Catholic Charities (Virginia employees only)
Commonwealth Center for Advanced Manufacturing
Commonwealth Public Broadcasting Corporation (Richmond employees only)
Community Group, Inc.
Community Memorial Healthcenter
Companion Extraordinaire Nursing Network, Inc.
Computer Consulting Group (Richmond Branch)
Computer Resource Team, Inc.
Concentrix (Virginia employees)
Concord Hospitality Enterprises d/b/a Doubletree by Hilton Hotel (Richmond Airport)
Connected Solutions Group, LLC
Conotti Corporation
Container First Services – Stamptech, Inc.
Cool Spring Elementary School PTA (Members)
Costco (Southside Richmond employees)
Costco Wholesale Corporation (Fredericksburg employees only)
Costen Floors, Inc.
Courtyard Marriott (Sandston, VA only)
Coventry Healthcare of VA
Cox Radio Richmond, Inc. (Richmond employees only)
Crown Cork & Seal Company (Virginia employees only)
Crutchfield Corporation
Cultural Center of India (Members)
Custom T’s (formerly Virginia T’s)
CVS of Virginia Distribution, Inc.
D1 Moving, LLC
D&P Mechanical LLC
Dalylah Angels Homecare, LLC
Datamatx, Inc.
Data Technologies of Virginia, Inc.
David Sussman Realty, Inc.
Daystar Desserts, LLC
Delta Automation
Design Electric, Inc.
Diamond Health Care Corporation
Direct Mail Solutions
Discount Tire of Virginia, Inc. (Store VAR02 Employees Only)
Dominion Packaging
Dominion Payroll Services
Dominion Youth Services
Don Anderson & Associates, LTD.
DoubleTree by Hilton Charlotteville
Eagle Tele Services, Inc.
East Coast Glass Systems, Inc.
East Coast Waffles, Inc. (Virginia employees)
Ebenezer Baptist Church
Educational Credit Management Corporation (Virginia employees only)
Eilerson Development Corporation d/b/a EDC
Electrical Equipment Company
Electronic Systems of Richmond (Richmond, Petersburg, and Washington, D.C. employees only)
Elephant Insurance Services LLC
Elizabeth Adam Crump Manor
Elizabeth Scott Elementary School PTA (Members)
Ellis Financial Corp.
Enterprise Leasing Company of Norfolk/Richmond, LLC (Norfolk/Richmond employees only)
Entrust Records Management
Envera Health, Inc.
EverDrive, LLC
Executive Women International, Richmond Chapter
Exterior Source
Faithful Servants Care, LLC
Family Care, Inc.
Family Lifeline
Family Preservation Services, Inc.
Farm Fresh – Corp.
Fawn Lake Community Association (Members)
Fidelity Printing, Inc.
Flatter & Associates
Florucci Foods, Inc.
Foot & Ankle Specialists of Virginia, P.C.
Four Points by Sheraton Richmond
Fredericksburg Auto Auction
Friends of the Central Rappahannock Regional Library (Members)
Friends of the Chesterfield County Public Library (Members)
Friends of the Henrico County Public Library (Members)
Froehling & Robertson, Inc.
Gemini Incorporated (Farmville employees only)
General Dynamics Shared Resources, Inc. (Charlottesville area employees)
Girl Scouts Commonwealth Council of Virginia
Goodwill of Central Virginia
Grand Fitness Management, LLC d/b/a Planet Fitness (VA locations only)
Granger Genetics
Grenova, LLC
Hallmark Youthcare – Richmond, Inc.
Hallsley Homeowners Association, Inc. (Members)
Hampton Park Community Association (Residents)
Handcraft Cleaners and Launderers, Inc.
Hanover Evangelical Friends Church & Day School
Hanover Foils, LLC
Hanover High School PTSA (Members)
Hanover Volunteer EMS
Hanover Volunteer Fire Fighters
HC Yu and Associates Consulting Engineers
HealthSouth Rehabilitation Hospital
Henrico Health and Rehabilitation Center
HICO Services, Inc.
Hilex Poly Company, LLC
Hill Phoenix, Inc.
Hilton Richmond Hotel and Spa, Short Pump
HomeAid, Inc.
Hoover and Strong, Inc.
Hospice of Virginia
Hunton & Williams LLP
HydroChem Industrial Services (Petersburg employees only)
Independent Container Line, Ltd.
INSMED Pharmaceuticals, Inc.
Integrated Business Systems, Inc. (IBS, Inc.)
Intercept Youth Services, Inc.
Intuit (Fredericksburg employees only)
IPC Technologies
J. M. Fry Company
James River Heating and Air Conditioning
James River Press LLC
Jan Pro Cleaning Systems
Jerusalem Baptist Church
John M. Gandy Elementary School PTA (Members)
KCI Technologies, Inc. (Virginia employees only)
Kenco Logistics Services
Kersey Creek Elementary School PTA (Members)
King William Ruritan, Inc. (Members)
Kings Dominion
Kohl’s Department Stores (Richmond based employees)
Koontz-Bryant, PC
Lansing Building Products
Laurel Meadow Elementary School PTA (Members)
Laurel Pines/F&W Management Corp.
Lee Hy Paving Construction, LLC
Lewis Ginter Botanical Gardens
Local Government Paralegal Association of Virginia, Inc.
Logexsoft, Inc.
Luck Stone Corporation (Fredericksburg employees only)
Luck Stone Corporation (Richmond area employees only)
Magnolia Green Golf Club (Employees)
Mailing Services, Inc.
Manchester Industries Inc. of Virginia
Manorhouse Retirement Centers, Inc.
Mapcom Systems
Markel Corporation (Virginia employees only)
Mary Washington Healthcare
Mason and Hanger (Virginia employees)
Masonic Home of Virginia
McGeorge Camping Center, Inc. (dba McGeorge Rolling Hills RV)
McKinney and Company (Virginia employees only)
MCV Physicians
MDT, LLC, d/b/a McDonald’s
Mechanicsville Christian Center
Mechanicsville Elementary School PTA (Members
Medical Facilities of America (Roanoke & Richmond employees only)
Medical Facilities of America, Inc. (Bowling Green employees only)
Medical Facilities of America, Inc. (Louisa employees only)
Members Financial Services
Menlo Worldwide Logistics (Virginia employees only)
Mercer Human Resources Consulting
Merchant’s Inc.
Metromont Corporation (Richmond employees only)
MeyerGoergen, PC
Midlothian Athletic Club (Employees)
Mitchell Homes, Inc.
Monroe Health and Rehabilitation Center (formerly Eldercare Gardens) Charlottesville, Virginia
Monticello Media LLC
Moore Norman Group, LLC, d/b/a Launch Trampoline Park-Richmond
Morton Consulting Group
Moslow Wood
MPW Industrial Services, Inc.
Mt. Carmel Baptist Church
Mutual Assurance Society of Virginia
NAPA Auto Parts (Virginia employees)
National Micrographic Systems, Inc. (Virginia employees only)
Nationz Foundation
NDMCO Lenders Institute, Inc.
Nelson County, Virginia (elected and appointed officials)
Networking Technologies & Support (Virginia employees only)
Neurological Associates, Inc.
New Generation Youth Services
New Touch Global
Niamtu, Alexander, Keeney, Harris, Metzger, Dymon & Associates
Noble Cars, Inc. (t/a Mercedes Benz of Fredericksburg)
NTT Data (Richmond employees)
Oak Knoll Middle School PTA (Members)
Obrist Americas, Inc.
Ocean Systems Engineering Corporation (Virginia employees only)
Old Dominion Cabinet Company
Old Dominion Security Co., Inc.
Old Dominion Truck Leasing/Dominion Dedicated Logistics
Overhead Door Co. of Central Virginia
Owens & Minor
Pamplin Historical Park
Paradocs, Inc. DBA Great Clips
Pari Respiratory Equipment, Inc.
Payerpath, Inc.
Pearson’s Corner Elementary School PTA (Members)
Pebble Creek Property Owners Association
Pediatric & Adult ENT Associates, P.C.
Peoples Income Tax, Inc.
Pepsi-Cola Bottling Company of Central Virginia who work in Charlottesville, Warrenton, or Weyers Cave (formerly Staunton & Harrisonburg), Virginia
Performance Autosport, Inc.
Physical Medicine Center
Pleasants Hardware
Plush Beauty Services, LLC, d/b/a Plush School of Esthetics
Pole Green Elementary School PTA (Members)
Porvair Filtration Group
Powhatan Chamber of Commerce (Members)
PPD, Inc. (Richmond Development Lab)
PrecisioIR (Richmond employees only)
Prevent Child Abuse Virginia
Printing Services, Inc.
Printpack, Inc. (Fredericksburg employees only)
Produce Source Partners
Providence Service Corporation
Purcell Construction Company (Virginia employees only)
Puritan Cleaners
Puritan Systems, Inc.
Quad Printing (Richmond employees only)
Quality Plus Services, Inc.
Quality Transportation Services, Inc.
Quest Swimming, LLC
Rainbow Station, Inc.
Rappahannock Area YMCA, Inc.
Rappahannock United Way, Inc.
Reames & Moyer, Inc.
Recreational Resorts, Ltd. (Spotsylvania employees only)
Rehab Management, Inc.
Republic National Distribution Company
Residence Inn - Fredericksburg
Resource for Independent Living
Resource International, Ltd.
Result Performance
Retail Merchants Association of Greater Richmond, Virginia, Inc.
Richmond Academy of Medicine (Employees)
Richmond Association of Realtors
Richmond Behavioral Health Authority
Richmond Bumper Service, Inc.
Richmond Center Stage
Richmond Cold Storage Co., Inc. (all Virginia employees)
Richmond Convention and Visitors Bureau
Richmond Corrugated Box Company
Richmond Dental Society, Inc. (Members)
Richmond Express
Richmond Fiber Systems (Richmond employees only)
Richmond Marriott Hotel
Richmond Motor Company, Inc.
Richmond Pediatric Associates
Richmond Raceway
Richmond Refrigeration Service, Inc.
Richmond Spine Interventions & Pain Center, PC
Richmond Steel Rule Dies, Inc.
Richmond Volleyball Club (Members and Employees)
Riverside Counseling Richmond, PLLC d/b/a RVA Counseling
Riverside School, Inc.
Robert Half International (Richmond branch only)
Roberts Home Medical
Rochedale Hundred Community Association, Inc.(Members)
Royall & Company
Ryerson Company
S & M Equipment Corporation (d/b/a McIntyre Equipment Company)
Sabra Dipping Company
Sam’s Club
Sam’s Club - Charlottesville
Schnabel Engineering
Security First Recycling Corp. (t/a Document Destruction Services)
Service Electrical Contractors
ServiceMark Appraisal Company
Shades of Light, LLC
Shamin Hotels
Shaw Industries, Inc. (Virginia employees only)
Sheltering Arms Physical Rehabilitation Centers
Shoe Carnival (Virginia employees only)
Shoney’s of Richmond, Inc./Captain D’s Restaurants, Inc./Tidewater Restaurants, Inc.
Shoosmith Bros., Inc.
Shoosmith Construction, Inc.
Short Stop Food Stores, Inc. t/a Styles Bi-Rite
Southeast Frozen Foods
Southeastern Engineering Sales, Inc.
Southeastern Institute of Research
Southern Electric, Inc.
Southern Equipment Company (d/b/a Ready Mixed Concrete Co.-Richmond office)
Southside Baptist Christian School
Southworth Mechanical Corporation
Spotsylvania Regional Medical Center HCA Virginia Health System
St. James Baptist Church
St. Joseph’s Villa
St. Mary’s Ambulatory Surgery Center
St. Mary’s Hospital Medical Office Building (Tenants and employees)
Standard Motor Products, Inc.
Standex Engraving, LLC
Stemmle Plumbing Repair, Inc.
Stephen Craig, Inc.
Steves and Sons, Inc.
Stewart Enterprises, Inc. (Virginia employees only)
Stewart Moving and Storage
Stonewall Jackson Middle School PTA (Members)
Stony Point Surgery Center (MEDARVA)
Summerford Homeowners Association, Inc. (Residents)
Sun Chemical
Sun Styles Timber Framing, Inc.
Super Radiator Coils
SUPERVALU (Mechanicsville, Richmond, and Chester)
Sweet Frog
Symphony Manor of Richmond
Taskforce Staffing
Taylor and Parrish, Inc.
Technisource (Virginia employees only)
Telvista, Inc.
Terex Utilities
The Ascendant Group
The Computer Solutions Company of Virginia, Inc.
The Country Vintner
The Faison Center
The Great Big Greenhouse, Inc.
The Heritage Inn Assisted Living & Memory Care
The Kerner Group
The Kleane Kare Team, Inc.
The Maximus Foundation (Richmond Area Employees)
The Salvation Army – Fredericksburg only
The Simmons Manufacturing Co., LLC (Virginia employees only)
The Trust Company of Virginia
The Valentine Museum
The Villages at the Crossings Townhouse Association, Inc.
The Virginia Home
The Vitamin Shoppe (Virginia locations)
The Whitlock Group
Three Rivers Treatment Center, LLC
Titan America (Richmond & Fredericksburg areas only)
T-Mobile (Virginia employees only)
Tradesman International, Inc.
Transfield North America
Tredegar Industries
Tru Tech Doors USA, Inc.
True Health Diagnostics
Tuckaway Incorporated
Ukrop’s Dress Express / Ukrop’s Threads
UniMatrix International Corporation
United Parcel Service (Richmond Area Only)
United Way of Greater Richmond & Petersburg
Universal Health Services, Inc.
UPS (Fredericksburg Customer Center)
UPS (Keysville, VA only)
USP Technologies
Van Go, Inc. of Richmond
Verity Contractors, LLC
Victory Tabernacle Child Development Center
Village of Amberleigh Homeowners Association, Inc. (Members)
Virginia Adult & Pediatric Allergy
Virginia Air Distributors, Inc.
Virginia Animal Control Association (Members Only)
Virginia Association for Career and Technical Education (Employees and Members)
Virginia Blood Services
Virginia Cancer Institute
Virginia Community Criminal Justice Association
Virginia Ear, Nose & Throat Associates
Virginia Education Association
Virginia Endoscopy Group
Virginia Eye Institute
Virginia Family Dentistry
Virginia Historical Society
Virginia Latino Higher Education Network
Virginia Municipal League
Virginia Physicians for Women
Virginia Physicians, Inc.
Virginia Premier Health Plan, Inc.
Virginia Primary Care Association d/b/a Virginia
Community Healthcare Association
Virginia Production Alliance (members)
Virginia Society of CPAs (employees only)
Virginia Urology Center, P.C.
Virginia Women’s Center
Vulcan Materials Company
W. G. Speeks, Inc.
W. H. Stovall & Company, LLC
W. W. Enroughty and Son, Inc.
Waco, Inc.
Walker Chaney CPAs
Wal-Mart Stores, Inc. #1833 (Fredericksburg Store #1833 employees only
Wal-Mart Stores, Inc. #2438 (Stafford employees only)
Wal-Mart Stores, Inc. #2520 (Fredericksburg Store #2520 employees only)
Washington & Lee University
Waste Management (Falmouth employees only)
Wellesley Homeowners Association
West Creek Financial, Inc. d/b/a Koalafi
West Home Health Care, Inc.
Westmoreland Rehabilitation and Healthcare
WestRock (Corporate Center)
WestView Companies, Inc.
Whitman, Requardt and Associates, LLP
Whole Foods Market, Inc.
Wintergreen Property Owners Association (Employees only)
Woodfin Heating, Inc.
Woodlake Community Association (Employees and Residents)
WRIC TV (Richmond employees only)
WTVR-TV/Nexstar, Inc. (Richmond employees only)
Wyndham Virginia Crossings Hotel and Conference Center
Xerox State Healthcare, LLC (Richmond employees only)
X-Ray Medical Services, Inc.
X-Ray Optical Systems, Inc.
YMCA of Greater Richmond
Zimmer Mid-Atlantic, Inc.
Zoe House, LLC

Still have questions?

Apply online, join in-person at one of our local branches, or contact us directly.