Our members and their needs come first
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 canhelp 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 accountsto 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 andonline resources
- Lower fees and tips on how to avoid fees altogether
- Attractivesavingsoptions
- Free notary services at our branches with photo ID
- Comprehensiveretirement and investingservices
- 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 fortransactionsthat 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
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®
Take your VCU pride with you wherever you go with theofficial 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
Take your VCU pride with you wherever you go with theofficial 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 openinga Flex Rewards Mastercard®.
Start earning
Earn 20,000 bonus points when you spend $3,000 within the first 90 days of openinga 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
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
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.
TurboTax®
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®
Thinking about using H&R Block®? VACU members who are first-time clients of H&R Block®, can get savings up to $25 off in-office tax prep. Existing H&R Block®clients qualify for FREE tax identity shield.
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.
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
Insurance Savings
Enjoy savingson auto, renters, homeowners and other property and casualty insurance throughVirginia CU Insurance Services.
Learn more
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. EnterVACUas the password to save.
Please visit Colonial Williamsburg for updates and guidelines.
Car Protection Savings
Get your car loan directly from VACU and save money with ourMajor Mechanical ProtectionandGuaranteed Asset Protection coverage
Learn more
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
Become a member
Ready to take advantage of these great benefits – and more?
Join now
Business Member Benefits
Whether your organization is astartup, 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
- Convenient24/7 accessanywhere 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
Ready to become a business member?
Send us an email or call our business teamat804-323-6800.
Email us
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