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Welcome, Member One members! Check out important transition information and FAQs.

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Love your car but not the rate?

Refinance another lender's loan with us, and get a discounted rate. Rates start as low as 4.24% APR.? 

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Your life, your rewards

Our credit cards offer cash back? , points, or just the essentials. All with no annual, cash advance, or foreign transaction fees.

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$500 off closing costs

For a limited time, finance (or refi) your home with us, and we'll give you $500 toward closing costs.? 

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Today's Rates
Car Loans
as low as
4.24
%
APR
?
Personal Loans
as low as
6.99
%
APR
?
Home Purchase
as low as
5.92
%
APR
?
Savings Certificates
dividends up to
3.75
%
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.

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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 04/02/2026. 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. Members that refinance an auto loan from a non-VACU lender will receive a .50% discount on the qualified refinance rate. Existing VACU and Member One loans are not eligible. Subject to credit and collateral approval. Regardless of available discounts, 4.24% 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. 

  • 2

    Rebate Rewards. Standard 1% reward on all new net purchases (qualifying purchases less credits, returns, and adjustments) charged to the account each billing cycle. Earn additional bonus rewards on the first $3,000 of net purchases in each of these three categories annually when processed by an eligible participating merchant: (a) grocery and (b) restaurant merchants - 1% bonus for a 2% total rebate; and (c) gas merchants - 2% bonus for a 3% total rebate. For each category, any net purchase in excess of $3,000 will earn the standard 1% rebate. Rewards may be redeemed through Online Banking, the VACU Mobile App or by contacting Member Services. Minimum redemption is $5.00.

  • 3

    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 3/1/2026 and 8/31/2026. 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 11/30/2026. 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.

  • 4

    Rate effective as of 04/02/2026. 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 6.99% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 6.99% 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 $239.39 at 6.99% 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 4/2/2026 10:39:16. 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 04/02/2026. 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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