Features & Benefits We’re a credit union. Not a bank. We don’t have shareholders, and we aren’t here to make a profit. As a not-for-profit organization, we serve our members — the owners of this financial cooperative. Lower fees (or no fees). Earnings are returned to members through a broad range of convenient services, attractive rates, lower fees and free financial education resources. Better rates. For saving, we offer attractive options for growing your money. If you need to borrow funds (whether business or personal), we offer lower rates on loans, mortgages, and credit cards. Local member support. It’s the first word in our name: Virginia. Find in-person support at 20 branches in central Virginia for all of your financial needs. Everything under one roof. Beyond everyday personal and business banking needs, we offer loans and mortgages, insurance, investments, and education through VACU and our affiliated partners. Convenient, 24/7 access to funds. With debit cards, online & mobile banking, and our 24-hour QuikLine, you can access your account whenever you want, however you want. Take a quick look at our services. Checking Open a free account with no minimums, or an account that requires a minimum balance – yet pays you back. No matter your needs, we have an account to fit them. View checking accounts Savings Make your money go further and reach your financial goals sooner. The longer you save, the more we pay back in dividends. View savings services Credit Cards Choose from three great cards — each with low rates, awesome features, no annual fees, and all the benefits of Mastercard®. See all cards Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the buying process (not to mention, refinancing, and more). Explore mortgage options Loans When you need money for a big purchase, we can help with a lending option that aligns with your financial profile. View loan products Insurance Protect your family, home, vehicle, life events – and yourself – with our simple and affordable insurance products. View insurance products Become a member today Joining Virginia Credit Union is easy. Apply securely online, or join in-person at one of our local branches. Need help? Call us at (804) 323-6800 or email us. Join now Membership Resources See More Resources Membership FAQs Frequently asked questions about membership. Member Number & Account Number What's the difference between your member number and your account number? Credit Union FAQs Frequently asked questions about credit unions.