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Member Benefits

Our members and their needs come first

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 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

Our lowest rate. Ever.

1.99% APR introductory rate1 on all 3 of our VACU Mastercards® for 12 months on purchases and balance transfers made within 60 days of opening. After that, variable 11.24%-26.24% 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

  • 1 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 12 months from card opening date. After that, the APR changes to the Purchase APR and Balance Transfer APR in effect which is currently 11.24% to 12.24% Variable APR for Essential Mastercard; 13.24% to 14.24% Variable APR for Cash Rewards Mastercard; and 15.24% to 16.24% Variable APR for Flex Rewards Mastercard as of 4/1/19 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.

$500 OFF closing costs on a new mortgage

Looking to purchase or refinance your home? We got you with this limited time offer!2 Apply by 6/30/2019 to be eligible for this special offer.

See our mortgage options

  • 2 Virginia Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. This promotion is valid on new mortgage pre-qualification or applications submitted between 04/01/19 and 06/30/2019. The closing cost reduction will be limited to the lesser of $500 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 12/31/2019. This is not available for VHDA, Housing Finance Agency/Bond or Rural Development products. This offer can be used in conjunction with the VACU Realty rebate. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union's loan program guidelines.

Checking Bonus

With a wide range of checking options, you’ll get more for your money at VACU. For a limited time, earn a $100 bonus3 when you open a VACU checking account and set up direct deposit.

Compare our checking accounts

  • 3 Offer: In order to qualify for the $100 cash bonus, you must 1) be 18 years of age or older 2) Open a new personal checking account, by June 28, 2019, AND 3) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other eligible monthly income of $500 or greater electronically deposited into the account from an employer or outside agency for two consecutive months within 120 days of opening. We reserve the right to request documentation that the direct deposits qualify. Cash bonus is only available to new and existing members that do not currently have a personal checking account or direct deposit history with us within the prior 12 months. Offer may be withdrawn without notice. All accounts are subject to approval. Encore checking accounts do not qualify for the cash bonus. Employees, Board and Official Family are not eligible to receive this offer. Virginia residents only, 1 offer per member. $100 Cash Bonus Payment: Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer cannot be combined with any other offer, is limited to one per account. We reserve the right to amend or cancel any part of this offer. Minimum opening deposit of $20 is required for VACU personal checking accounts. Product and service eligibility are subject to approval. Your account must be open and in good standing when the bonus is paid, approximately 6 months after opening.

20,000 Bonus Points Offer

Earn 20,000 bonus points when you spend $3,000 within the first 90 days of opening a Flex Rewards Mastercard®.

Start earning

Discount & Savings

At 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.

A woman using a calculator.

0.05% APR Loan Rate Discount

Enjoy a .50% APR discount is included in your interest rate if you repay your newly originated VACU car loanequity loan or personal loan through approved automatic payments.

Virginia CU Realty

Special Mortgage Rebate

Go all in with us and get up to $2,500 back. Just get a VACU mortgage loan, use a Virginia CU Realty agent as your buyer’s agent, and use Virginia Statewide Title Services for your title insurance – and you could be eligible for a mortgage rebate.

 

Virginia CU Realty

Listing Discount

Receive a 0.5% discount on the listing commission when you sell your home through Virginia CU Realty. For example, if you sold your home for $200,000 as a member, you’d have saved $1,000! Listing services are available to members in the Greater Richmond, Farmville, Fredericksburg, and Northern Virginia areas.

Virginia CU Insurance

Insurance Savings

Enjoy savings on auto, renters, homeowners and other property and casualty insurance through Virginia CU Insurance Services.

Virginia Credit Union Moonlight Ride

Virginia Credit Union Moonlight Ride

Enjoy $5 off registration with special code VACUMember19.

Virginia Credit Union LIVE! at Richmond Raceway

Virginia Credit Union LIVE! at Richmond Raceway

Enjoy access to pre-sale tickets and complimentary parking4 to all Virginia Credit Union LIVE! at Richmond Raceway events.

  • 4 Must show Virginia Credit Union Mastercard® debit or credit card at time of parking.
Colonial Williamsburg

Colonial Williamsburg

Virginia 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.

Kings Dominion

Kings Dominion

Virginia Credit Union members can get discounted Single Day tickets! Enter KDVACU04 as the username and password to get your discounted tickets.

A woman sitting in the driver's seat of a new vehicle.

Car Protection Savings

Get your car loan directly from VACU and save money with our Major Mechanical Protection and Guaranteed Asset Protection coverage

Turbo Tax

Turbo Tax

Save up to $15 on TurboTax® Federal products. Use their VACU members' website to qualify for your discount.

Peoples Tax

Peoples Tax

Save on tax preparation and electronic filing with Peoples Tax. For a list of locations, call Peoples Tax at 804-282-1040 or 800-984-1040. 

  • Peoples Tax - Save 20% when you print and present this coupon.
  • Virtual Tax Pro - Save 25% when you print and present this coupon.
Coinstar logo

Coinstar

There’s no need to spend time counting and rolling your coins when our self-service Coinstar® machines can count loose change for you.

 


Business Member Benefits

Whether 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 products
  • Attractive rates on credit cards, business mortgages and other lending products
  • Flexible savings options
  • Dedicated business lending team
  • Convenient 24/7 access anywhere with online and mobile services and ATMs

Partner Perks logoEmployee resources

We take care of your business finances – and your people, too. We provide financial education, benefits and wellness fairs, and investment consultation to help your employees take their paychecks further.

Learn more about Partner Perks