At Virginia Credit Union, we believe in getting to know our members. The better we understand your needs, the better we can help you take control of your finances and live with confidence.We use that knowledge to develop and offer the products and services to help you make the most of your money. From kids’ saving accounts to retirement funds, we have affordable options to help you at every stage of your life. We back up those offerings with personal support.At VACU, you’re not just a member–you’re also an owner. And that has its benefits.Wide range of affordable banking serviceLow rates on loans and mortgage, plus special offers on related servicesConvenient 24/7 access anywhere with online and mobile servicesEasy-to-access branch locatorSupportive staff focused on your needsCollege scholarshipsLifetime membershipFree financial seminars and online resourcesLower fees and tips on how to avoid fees altogetherAttractive savings optionsFree notary services at our branches with photo IDComprehensive retirement and investing servicesSafe deposit boxes at select branches. Contact us at 804-323-6800 for information and availabilityOfficial checks for purchases that require a guaranteed payment, such as real estate closingsFree Medallion Signature Guarantees – required for transactions that involve security transfers (stocks, bonds, mutual funds) – at our branches with photo ID Our lowest rate. Ever. 0% APR introductory rate? on all 3 of our VACU Mastercards® for 12 months on purchases and balance transfers made within 60 days of opening. After that, variable 13.24% - 17.99% APR. Whether you want an everyday low-rate, enjoy earning cash back or like to save up points for vacation, we have the card for you.Compare our cards VCU Black & Gold Mastercard®Take your VCU pride with you wherever you go with the official credit card of VCU fans everywhere! Choose from one of three designs and get special VCU-related discounts in addition to the great benefits that come with our Flex Rewards, Cash Rewards, or Essential Mastercard.Show your pride 20,000 bonus points offerEarn 20,000 bonus points when you spend $3,000 within the first 90 days of opening a Flex Rewards Mastercard®.Start earning Get $500 toward closing costs.Home sweet savings. For a limited time, get $500 toward closing when you purchase or refinance with us.?Get startedDiscounts & SavingsAt Virginia Credit Union, we’re committed to helping you make the most of your money. As a member, you’re entitled to special discounts on all kinds of products and services. The following discounts and savings help take your dollars further. TurboTax®Doing your taxes online? Members save 20% on TurboTax® federal products! Just use our unique link below to qualify. Save now H&R Block®Thinking about using H&R Block®? Members get $25 off in-office tax prep services for first-time customers — returning members get $10 off. Save now Trust & WillThinking about the long-term? Members can save 20% on any estate plan with Trust & Will using the link below. Save now Virginia Credit Union LIVE! at Richmond RacewayGet access to discounted tickets? and more to all Virginia Credit Union LIVE! at Richmond Raceway events. Just use code "25LIVE!" to claim. Get tickets Welcome Home DiscountOn average, you could save between $1,500-$2,100 when you go all in with us! Just get a Virginia Credit Union home loan, use a Joyner Fine Properties agent as your buyer’s agent, and use Virginia Statewide Title Services for your title insurance — and you could be eligible for our Welcome Home Discount.? Learn more Insurance SavingsEnjoy savings on auto, renters, homeowners, and other property and casualty insurance through VACU Insurance Services. Learn more Colonial WilliamsburgVirginia Credit Union members get a discount on single and multi-day tickets purchased online for visits from mid-March through the end of the year. Enter VACU as the password to save. Please visit Colonial Williamsburg for updates and guidelines. Save now Car Protection SavingsGet your car loan directly from VACU and save money with our Major Mechanical Protection and Guaranteed Asset Protection coverage Learn more CoinstarThere’s no need to spend time counting and rolling your coins when our self-service Coinstar® machines can count loose change for you. Find a branch with Coinstar Become a memberReady to take advantage of these great benefits – and more? Join now Business Member BenefitsWhether your organization is a startup, in growth mode, or established, we’re dedicated to offering options that will work for you – including perks for your team!Variety of business checking productsAttractive rates on credit cards, business mortgages and other lending productsFlexible savings optionsDedicated business lending teamConvenient 24/7 access anywhere with online and mobile services and ATMsEmployee resourcesWe take care of your business finances—and your people too! When your business partners with us, your employees reap the rewards:Free customized financial seminars and resourcesMembership at no cost Free checking with card on/off controlsA variety of low-rate loan and mortgage options Online and Mobile Banking with Mobile DepositLearn more about Financial Success At WorkReady to become a business member?Send us an email or call our business team at 804-323-6800. Email us
Ready to become a business member?Send us an email or call our business team at 804-323-6800. Email us