Business LoansAccounts Style 02Car LoansCareersCheckingCredit CardsDigital BankingAccounts Style 01Home Equity LoansInsuranceInvestingMembershipMortgagePersonal LoansRV, Boat, Motorcycle LoansSavings

Join us for our 2025 Annual Meeting.

Learn more.
Women uses tap to pay on phone to purchase items at a farmers market

Make everyday more rewarding.

Choose from three great cards, each with competitive rates, awesome features, and no annual fee.

Couple smiling while standing outside of their new home, holding up a sold sign
Get $500 off closing costs

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

Learn more
Close up of a car tire on a gravel road lined by trees in the background
Hit the gas on a lower interest rate

Thinking about buying a car? Time to start test driving with auto loan rates as low as  4.99%.?

Learn more
Today's Rates
Car Loans
as low as
4.99
%
APR
?
Personal Loans
as low as
7.74
%
APR
?
Home Purchase
as low as
5.925
%
APR
?
Savings Certificates
dividends up to
4.23
%
APY
?
test

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.

News and Events

Learn

Man looking at tablet
10 Tips for Saving Money

Cutting costs doesn’t have to be restrictive. When couponing can only get you so far, these quick tips can help you find cost savings in your monthly expenses.

Read More

Careers

test

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
Scroll to top
804-323-6800 VACU Routing Number 251082615
  • 1

    Virginia Federal Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. This promotion is valid for new applications submitted between 3/1/2025 and 8/31/2025. The closing costs reduction will be limited to the lesser of $500 or lender closing costs and may not exceed the maximum seller contribution limits set by program guidelines. Mortgage loan must close by 11/30/2025. This offer 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 Federal Credit Union’s loan program guidelines.

  • 2

    Rate effective as of 4/1/2025. 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, 4.99% 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 our Preferred Dealer Network.

  • 3

    Rate effective as of 4/1/2025. 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.

  • 4

    The loan product and rate examples seen here are current as of 4/1/2025 10:34:43. 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.

  • 5

    Rate effective as of 4/1/2025. 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.

NCUA logo Insured by NCUA Equal Housing Opportunity logo Equal Housing Opportunity NMLS# 407552
Privacy Site Map
© 2025 Virginia Credit Union