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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.

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 14.24%

Compare our cards

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 August 31 and we’ll give you $500 towards your closing costs!?

Get started

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.

Turbo Tax


Doing your taxes online? VACU members can save up to 20% on TurboTax® Federal products! Just use our unique website link below to qualify.

H&R Block

H&R Block®

Thinking about using H&R Block®? VACU members can get savings of up to $25 off in-office tax prep.

Virginia Credit Union LIVE! at Richmond Raceway

Virginia Credit Union LIVE! at Richmond Raceway

Get access to discounted tickets? and more to all Virginia Credit Union LIVE! at Richmond Raceway events. Just use code "VACU24" to claim.

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.?

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

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

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