Business Details
Your Trusted Partner for Financial Services in Virginia
At Virginia Credit Union, we operate as a member-owned financial cooperative, dedicated to delivering exceptional value through competitive rates, reduced fees, and personalized service. Our commitment to returning earnings to members is reflected in our diverse range of products, including home loans, personal loans, car loans, credit cards, and savings solutions. With 23 local branches across central Virginia, we combine community-focused support with modern digital banking tools to meet the evolving needs of our members.Our team prioritizes financial education and transparency, empowering individuals to achieve long-term stability through resources like our 10 Steps to Financial Success program. As a NCUA-insured institution, we uphold the highest standards of trustworthiness and regulatory compliance, ensuring our members' assets are secure while fostering a culture of financial empowerment.
Services
Home Loans
Personal Loans
Car Loans
Credit Cards
Checking Accounts
Savings Accounts
Online Banking
Business Services
Loan Refinancing
Financial Education
Highlights and features
- We offer member-owned financial services with lower fees and better rates.
- Our local support includes 23 branches across central Virginia.
- We provide competitive loan rates and cashback credit card rewards.
- Our online banking and mobile app offer 24/7 account access.
- We return earnings to members through attractive rates and services.
Associations and certifications
- NCUA
Services
Car Loans
Virginia Credit Union offers competitive car loans starting at 4.74% APR with discounts for automated payments and loan-to-value ratios. Our program includes refinancing options for non-VACU loans and flexible terms based on credit criteria. Members benefit from personalized support and transparent lending practices that prioritize financial accessibility.
Personal Loans
We provide personal loans starting at 7.49% APR with terms ranging from 3 to 60 months. Our offerings include standard personal loans and Express Personal Loans for smaller amounts, both featuring no application fees and flexible repayment options tailored to individual financial situations.
Home Loans
Our home loan program features rates starting at 5.559% APR, including special discounts for first-time homebuyers. We offer conventional mortgages with closing cost reductions and flexible qualification criteria, ensuring accessible homeownership opportunities while maintaining responsible lending standards.
Credit Cards
Our credit card program provides 1% cashback on all purchases, with enhanced rewards for grocery, restaurant, and gas spending. Members earn rebates redeemable through multiple channels while benefiting from no annual fees and straightforward reward redemption processes.
Online Banking
Our 24/7 online banking platform and mobile app enable seamless account management, bill payments, and fund transfers. The tools integrate with financial education resources to help members maintain control over their financial health through convenient, secure digital access.
Questions
What types of loans does Virginia Credit Union offer?
We offer home loans, personal loans, car loans, and refinancing options with competitive rates and flexible terms.
Are there special benefits for first-time homebuyers?
Yes, we provide a $1,000 closing cost discount for qualified first-time homebuyers through February 2026.
How can I access my accounts outside branch hours?
Our online banking platform and mobile app allow 24/7 access to manage accounts, transfer funds, and pay bills.
What credit card rewards programs are available?
Our credit cards offer cashback rewards, including 3% on gas purchases and 2% on groceries/restaurants, with no annual fee.
What sets Virginia Credit Union apart from traditional banks?
As a member-owned cooperative, we return profits to members through better rates, lower fees, and personalized service.
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