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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
  • Free notary services at our branches with photo ID
  • Comprehensive retirement and investing services
  • Safe deposit boxes at select branches. Contact us at 800-285-6609 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 12.49% - 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 offer

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

Start earning


 

Ready for your first place? We got you!

For a limited time, get $1,000 off closing costs?  when you finance with us.

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.
VACU Concert series logo

Allianz Amphitheater

Score early access to shows at Allianz Amphitheater with an exclusive VACU presale code. Don’t forget to follow us on Facebook for the chance to win tickets … all season long!

Get code
Turbo Tax

TurboTax®

Members save 20% on TurboTax federal products!

Small business owner? We got you! You can save 20% on TurboTax Experts® if you're an independent contract or have an LLC or other qualifying small business.

Individual Small business
H&R Block

H&R Block®

Members get $25 off in-office H&R Block tax prep services for first-time customers. Returning members get $10 off.

Independent contractors and those who have an LLC or other qualifying small business can get $25 off Block Advisors DIY online products. You can also save $50 when you have a Block Advisors Tax Pro prepare your taxes.

Individual Small business
Trust & Will logo

Trust & Will

Thinking 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 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 "VACU26LIVE!" to claim.

Get tickets
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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.?

Learn more
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Insurance Savings

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

Learn more
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. 

Save now
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

Learn more
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.

Find a branch with Coinstar

Join Virginia Credit Union

Experience the benefits of membership. Joining online is easy and secure. Prefer to do so in person? You can also become a member at a local branch.

Not sure you’re eligible? See who can join.

 

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:

  • 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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VACU Routing Number 251082615
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  • 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 12.49% to 17.99% variable APR for Essential Mastercard; 14.49% to 17.99% variable APR for Cash Rewards Mastercard; and 16.49% to  17.99% variable APR for Flex Rewards Mastercard as of 11/14/2026 and subject to change. We will begin charging interest on balance transfers on the transaction dates. 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.

  • 2

    Virginia Credit Union is offering a $1,000 discount on closing costs on new mortgage loans for first-time homebuyers, subject to qualification and credit approval. This promotion is valid on new applications submitted between 9/01/2026 and 2/28/2027. The closing cost reduction will be limited to the lesser of $1,000 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 5/31/2027. 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. An individual is to be considered a first-time homebuyer who (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent also will be considered a first-time homebuyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period.

  • 3

    For questions regarding tickets, contact The National Box Office at 804-612-1900.

  • 4

    The average discount of $1,500-$2,100 is based on loan amounts of $250,000-$350,000. Certain restrictions, limits, and other conditions apply. Contact VACU or Joyner Fine Properties for more information. Business conducted with Joyner Fine Properties, LLC is separate and distinct from any business with Virginia Federal Credit Union.