Hit the gas on a lower interest rate.Thinking about buying a car? Time to start test driving — auto loan rates just dropped to as low as 5.24%? Learn more All your needs, covered. Home Loans Personal Loans Car Loans Credit Cards Checking Savings Online Banking Business Learn Ready for your homeowner era? For a limited time, we're offering first-time homebuyers $1,000 toward closing costs.? Learn more Do more with your savings Watch your money grow with a VACU Savings Certificate! Dividends up to 4.23% APY.? See options Today's Rates Car Loansas low as5.24 % APR ? Personal Loansas low as7.74 % APR ? Home Purchaseas low as6.321 % APR ? Savings Certificatesdividends up to4.23 % APY ? Calculate your rate See all rates 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. See all member benefits Low Fees Better Rates Local Support 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. Learn more Become a member today.Joining the credit union is easy. Apply online, or join in-person at one of our local branches. Join now News and Events Virginia Credit Union Volunteers Lend A Helping Hand to Charlottesville Elementary School A team of 30 Virginia Credit Union (VACU) employees volunteered recently to aid Charlottesville’s Agnor Elementary School.Learn More Learn How to Keep Your Holiday Budget Merry and Bright Avoid the hefty bill that can often accompany the holidays. Reclaim the joy of the season with these ways to celebrate without the stress of overspending.Read more Careers Jobs at Virginia Credit Union We're hiring across all departments! Start a career at a place that values and rewards its employees.Search Jobs