More than mortgages. | Virginia Credit Union

For a limited time, we're offering first-time homebuyers $1,000 off closing costs when they finance with us. ?

In addition to helping your clients with their mortgage needs, VACU can also help you with your personal financial needs. As an RAR member, you are automatically eligible for membership. When you're ready to join, enter referral code 6504 and select “Richmond Area Association of REALTORS®” as the employer. As an added bonus, we'll waive the $5 minimum deposit. VACU members enjoy better rates, fewer fees, helpful services, and financial education resources.

Convenient Banking – Branches throughout the Richmond area, fee-free ATMs at Sheetz® and Wawa®, ATM fee rebates at all other ATMs, and our mobile app make it easy to access your money anytime anywhere.
Free Regular Checking – Regular Checking requires no minimum balance, letting you take your money further and bank with confidence.
Credit Cards – Low-rate and rewards credit cards all with no annual fee and no cash advance fees.

Personal Loans & Lines of Credit – Whether you need to pay for a large expense or want the flexibility of an open-end line of credit, we’ve got you covered.
Mortgages – With a wide variety of mortgage products, we can help you and your clients find the perfect mortgage to fit your needs.
Business Banking – A range of competitive products and services to support you and your real estate business.

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Virginia Credit Union is offering a $1,000 discount on closing costs on new mortgage loans for first-time homebuyers, subject to qualification and credit approval. This promotion is valid on new applications submitted between 9/1/2024 and 2/28/2025. The closing cost reduction will be limited to the lesser of $1,000 or lender closing costs and may not exceed maximum seller contribution limits set by program guidelines. Mortgage loan must close by 5/31/2025. 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. An individual is to be considered a first-time homebuyer if he or she (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent also will be considered a first-time homebuyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period.