Virginia Educators Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.vecu.org

757-930-2425

12626 Nettles Dr
Newport News, VA 23606

Virginia Educators Credit Union is headquartered in Newport News and is the 54^th largest credit union in the state of Virginia. It is also the 2,075^th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 5 employees and 3,883 members at 2 locations. Virginia Educators Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees, students, faculty and alumni of Hampton University; students of Thomas Nelson Community College; students, those employed by educational organizations, and those involved in school auxiliaries in Williamsburg, Newport News; James City County; York County; Isle of Wight County; Gloucester County; Mathews County.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Virginia Educators Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	66700
Year Chartered	1954
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	2.47%
Return on Equity - YTD	11.46%
Annual Interest Income	$772K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$76.2MM$78.2MM
Loans	Q1 2025vs Q1 2024	$8MM$8.5MM
Deposits	Q1 2025vs Q1 2024	$59.7MM$64MM
Equity Capital	Q1 2025vs Q1 2024	$16.1MM$13.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$33K$42K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$23K$150K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Virginia Educators Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.86%	$1k	-	36 Month Share Certificate
1.86%	$1k	-	48 Month Share Certificate
1.86%	$1k	-	60 Month Share Certificate
1.20%	$1k	-	24 Month Share Certificate
1.00%	$1k	-	12 Month Share Certificate

Virginia Educators Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.86%	$1k	-	36 Month IRA Certificate
1.86%	$1k	-	48 Month IRA Certificate
1.86%	$1k	-	60 Month IRA Certificate
1.20%	$1k	-	24 Month IRA Certificate
1.00%	$1k	-	12 Month IRA Certificate

Locations

Virginia Educators Credit Union Locations
Branch Office	812 Main St	Newport News, VA 23605
Branch Office	12626 Nettles Dr	Newport News, VA 23606

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