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Overview / Commentary
804-323-6800
7500 Boulder View Dr
North Chesterfield, VA 23225-4046

Virginia Credit Union is headquartered in North Chesterfield and is the 4th largest credit union in the state of Virginia. It is also the 53rd largest credit union in the nation. It was established in 1928 and as of March of 2016, it had grown to 608 employees and 249,106 members at 19 locations. Virginia Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Virginia Credit Union of Virginia is open to the residents, community volunteers, church members, registered students, and the people that maintain employment within the qualified cities, towns, and counties that are listed on the credit union website, current and retired employees; including part-time, of the credit union affiliated partner organizations, associations, and select employee groups, any current students of the qualified colleges and/or universities that are listed on the credit union website, businesses, organizations, and associations that are dominately populated by the listed eligible candidates, and the family members or household occupants of these eligible people. The Virginia Credit Union also has a variety of other ways to qualify you for membership status and they have the full details listed on their credit union website.
See current membership details

Reviews (4)

Always Great Service

As a member of Virginia Credit for over 15 years now, I can say how wonderful their service is. Although I opened the account when I lived in VA, I moved out of state many years ago, but kept my accounts. Having to make deposits from far away, they have made this process so smooth. Not only have they provided me with special envelopes for mailing my deposits, they have been very courteous any time I have contacted them to verify my deposits. I was worried that it would take long for my deposits to be credited, but within a few days (to account for mailing) they were posted and available. I love how easy the envelope is -it contains a tear away deposit slip so that all I have to do is fill out that little part and place all inside the envelope. The envelope is already addressed for the correct department. Virginia Credit Union definitely knows how to take extra measures to save their customers some time and stress.

No minimums

Posted by: SDJ | Aug 21, 2014

There are no minimums for the regular checking account. That is something you won't see at a bank. Even other credit unions have some sort of minimum like five dollars but not Virginia Credit Union. This means if I am having a difficult month I won't be penalized for draining my account down to zero.

Also, the ATM fees are nearly non existent. They will reimburse you up to 8 dollars for a month if you get your money from a non VACU ATM. If you get it from an authorized ATM then it's free always. They also have competitive products and are reasonably located for me.

Not The Best

Posted by: Jamaal | Mar 11, 2015

My experiences with Virginia Credit Union are not the best experiences. I feel like I am very limited when it comes to banking with Virginia Credit Union. I am originally from south Georgia so when I go home to visit my family, I have trouble with my credit union account. I have been locked out of my account on multiple occasions. The reason that I get locked out of my account is because I use my card in multiple states on my driving commute to Georgia. The bank looked at this activity as being suspicious. Needless to say I had to wait until a week day to contact the bank and complain about being locked out. i would not recommend this bank to anyone who travels a lot because you will run into some trouble when using your account. It would be better to withdraw the money that you will need.

Lack Of Help On Mortgage

Posted by: lewisroy | Mar 21, 2012

I ask for help on my mortgage and only after I got behind did I get any help and by then me credit rateing was shot now I have no credit and my car ins went up as well if I had goting help when I ask for my credit would not be hurt

that my 2 cent worth



Health
B+

Health Grade Components

Overall
NCUA #66836
Year Chartered1928
Employees608
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD7.75%
Annual Interest Income$28.7MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$3.05B$2.70B
LoansQ1 2016vs Q1 2015$2.01B$1.72B
DepositsQ1 2016vs Q1 2015$2.49B$2.25B
Equity CapitalQ1 2016vs Q1 2015$267.7MM$245.6MM
Loan Loss AllowanceQ1 2016vs Q1 2015$21.5MM$21.5MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$17.0MM$16.3MM
Real Estate OwnedQ1 2016vs Q1 2015$1.3MM$920.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Virginia Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$100-Health Savings Account
0.30%*$500*-Savings Account
OTHER TIERS: 0.05% $100 - $500

Virginia Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$250k*-Premium Plus Money Market
OTHER TIERS: 0.05% $100 - $25k | 0.65% $25k - $50k | 0.70% $50k - $100k | 0.75% $100k - $250k
0.50%*$10k*-Premium Money Market
OTHER TIERS: 0.05% $100 - $10k

Virginia Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$5k*-Checking Plus
OTHER TIERS: 0.05% Up to $5k
0.40%*$5k*-Extra Credit Checking (age 15-22)
OTHER TIERS: 0.05% Up to $5k
0.40%*$5k*-Enhanced Benefit Checking
OTHER TIERS: 0.05% Up to $5k

Virginia Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.95%*$50k*-60 Month CD
OTHER TIERS: 1.90% $500 - $50k
1.60%*$50k*-48 Month CD
OTHER TIERS: 1.55% $500 - $50k
1.50%*$50k*-36 Month CD
OTHER TIERS: 1.45% $500 - $50k
1.25%*$50k*-24 Month CD
OTHER TIERS: 1.20% $500 - $50k
1.00%*$50k*-12 Month CD
OTHER TIERS: 0.95% $500 - $50k
0.60%*$50k*-6 Month CD
OTHER TIERS: 0.55% $500 - $50k

Virginia Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.95%*$50k*-60 Month IRA
OTHER TIERS: 1.90% $100 - $50k
1.60%*$50k*-48 Month IRA
OTHER TIERS: 1.55% $100 - $50k
1.50%*$50k*-36 Month IRA
OTHER TIERS: 1.45% $100 - $50k
1.25%*$50k*-18 Month Variable IRA
OTHER TIERS: 1.20% $100 - $50k
1.25%*$50k*-24 Month IRA
OTHER TIERS: 1.20% $100 - $50k
1.00%*$50k*-12 Month IRA
OTHER TIERS: 0.95% $100 - $50k
Locations

Virginia Credit Union has 19 locations. Click to view all Virginia Credit Union locations.