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FRAUD ALERT! We’re seeing an increase in scam texts and calls impersonating VACU. NEVER click on links or reply to texts you don’t trust, or provide any personal account information via text or call.

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Virginia Credit Union and Member One Federal Credit Union announce intent to merge.

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Buy a car with confidence

Whether shopping new or used, we’ll go the extra mile for you with our competitive auto loan rates. Rates as low as  5.74%.?

Couple walking up to view new home
Get $500 off closing costs

For a limited time, finance your mortgage through Virginia Credit Union and we'll give you $500 towards your closing costs.?

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0% APR intro rate for 12 months

on purchases and balance transfers made within 60 days after opening a Virginia Credit Union Mastercard®. After that, the rate is variable  14.24% -  17.99% APR.?

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Today's Rates
Car Loans
as low as
5.74
%
APR
?
Personal Loans
as low as
7.74
%
APR
?
Home Purchase
as low as
6.449
%
APR
?
Savings Certificates
dividends up to
4.48
%
APY
?
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Banking with a personal touch.

When you join Virginia Credit Union, you become a member and owner of the financial cooperative. Earnings are returned to you through a broad range of convenient services, attractive rates, lower fees, and more. We’ve got local member support with 23 branches in central Virginia for all your financial needs.

Low Fees
Better Rates
Local Support
VACU online banking website and mobile app

Banking at your fingertips.

Whether you're at home or on-the-go, easily manage and access your funds with our online banking and mobile app.

Become a member today.

Joining the credit union is easy. Apply online, or join in-person at one of our local branches.

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804-323-6800 VACU Routing Number 251082615
  • 1

    Rate effective as of 7/12/2024. Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) that is 115% or less, 0.50% discount for a loan-to-value (LTV) that is between 115.01-125%, 1.5% discount for a loan amount of $35,000 or more, 1.00% discount for a loan amount between $20,000-34,999.99, and 0.25% for a loan amount between $10,000 - $19,999.99. Regardless of available discounts, 5.74% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in Credit Union Direct Lending (CUDL).

  • 2

    Virginia Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. This promotion is valid on new applications submitted between 3/01/2024 and 8/31/2024. The closing cost reduction will be limited to the lesser of $500 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 11/30/2024. 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.

  • 3

    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 14.24% to 17.99% variable APR for Essential Mastercard; 16.24% to 17.99% variable APR for Cash Rewards Mastercard; and 17.99% variable APR for Flex Rewards Mastercard as of 7/12/2024 and subject to change. We will begin charging interest on balance transfers on the transaction date. 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.

  • 4

    Rate effective as of 7/12/2024. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 7.74% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 7.74% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $242.94 at 7.74% APR with a 48 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time.

    For loan amounts between $100 and $2,000, you will be directed to the Express Personal Loan with an APR of 28.00%, subject to credit approval. Repay an Express Personal Loan in a minimum of 1 month to a maximum of 12 months. No more than one VACU Express Personal Loan is allowed to be open at a time, and Express Personal Loans cannot be refinanced to other VACU loans. No application fee. Payment example: Based on a $1,500 loan with a monthly payment of $144.76 at 28.00% APR with a 12 month term. This example is an estimate only and assumes all payments are made on time.

  • 5

    The loan product and rate examples seen here are current as of 7/12/2024 10:56:15. These rates are for illustrative purposes only. Other product and rate options are available. Your actual rate and APR are dependent upon your application and may vary based on factors such as your credit score, loan purpose, occupancy, property type, loan amount, and the value of your home. Interest rate and APR are updated daily and subject to change without prior notice. Please note that an origination fee may be included in the APR.

  • 6

    Rate effective as of 7/12/2024. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts. Dividend earnings are compounded quarterly and paid on accounts with $100 or more and there is no minimum balance to earn APY for members under age 23.

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