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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 18 months on purchases and balance transfers made within 60 days of opening. After that, variable  14.24%- 29.24% 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 18 months from card opening date. After that, the APR changes to the Purchase APR and Balance Transfer APR in effect which is currently 14.24% to 25.24% variable APR for Essential Mastercard; 16.24% to 27.24% variable APR for Cash Rewards Mastercard; and 18.24% to 29.24% variable APR for Flex Rewards Mastercard as of 12/1/22 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.

VCU Black & Gold Mastercard®

VCU Mastercards

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 Offer

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

Start earning

Get $500 towards closing costs

We know every dollar counts when buying a new home. Finance with us by September 30 and we’ll give you $500 towards your closing costs!2

Get started

  • 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 applications submitted between 04/01/23 and 9/30/2023. 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 12/31/2023. This is not available for USDA or construction loan products. This offer can be used in conjunction with the Welcome Home Discount. It cannot be combined with any other promotion or discount and is subject to compliance with Virginia Credit Union’s loan program guidelines.

Discounts & 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.

Virginia Credit Union LIVE! at Richmond Raceway

Virginia Credit Union LIVE! at Richmond Raceway

Enjoy access to pre-sale tickets3 using code VACU2023 to all Virginia Credit Union LIVE! at Richmond Raceway events. 

  • 3 For questions regarding tickets, contact The National Box Office at 804-612-1900.
joyner fine properties logo

Welcome Home Discount

On 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.4

  • 4  Realty services are offered through Joyner Fine Properties, LLC, an affiliate of Virginia Credit Union (VACU). VACU may receive a financial or other benefit because VACU, through Virginia Credit Union Financial Services, LLC has an ownership interest in Joyner Fine Properties, LLC. For VA residents only. Business conducted with Joyner Fine Properties, LLC is separate and distinct from any business with VACU.
Virginia CU Insurance

Insurance Savings

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

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.

 Please visit Colonial Williamsburg for updates and guidelines. 

Kings Dominion

Kings Dominion

Virginia Credit Union members can get discounted Single Day tickets to Kings Dominion.

 Please visit Kings Dominion for park updates and guidelines.

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.

Coinstar logo


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

Employee resources

We take care of your business finances—and your people too! When your business partners with us, your employees reap the rewards:

at work logo

  • Free customized financial seminars and resources
  • Membership at no cost
  • Free checking with card on/off controls
  • A variety of low-rate loan and mortgage options
  • Online and Mobile Banking with Mobile Deposit

Learn more about Financial Success At Work