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Virginia Credit Union

Virginia Credit Union (VACU) is a not-for-profit financial cooperative owned by VACU members. 

You and your family are eligible to join Virginia Credit Union and save

You have the added benefit of being eligible to join Virginia Credit Union and take advantage of low-cost, convenient financial services and more. All University of Richmond faculty and staff are eligible to apply for membership. When a UR employee joins Virginia Credit Union, he/she becomes a member and owner of the financial cooperative. 

How is Virginia Credit Union different from a bank?

Formed in 1928, Virginia Credit Union is a financial cooperative that exists solely to serve its members. Members are the only owners, and there are no outside stockholders. Credit union earnings are returned to the membership through better rates, lower fees, helpful services and financial education resources.

Why join Virginia Credit Union?

As a member, you’ll have access to a full range of financial services such as:

  • Low-rate loans and credit cards
  • Mortgage and home equity loans
  • Free regular checking and other affordable banking services
  • Online banking, bill pay and mobile banking with mobile deposit
  • Savings services and easy automatic savings options
  • Personal service at VACU branches and by phone
  • Account access at shared branches nationwide and at ATMs worldwide

What other benefits are available?

  • Lifelong membership
  • Free financial seminars and online resources
  • Free financial counseling
  • Scholarship programs for student members
  • Member discounts
  • Business services
  • Access to savings on car and homeowners insurance*

*Products provided through independent companies for VACU members. Certain exclusions may apply.

Download the full list of benefits and services here.

How do I get started?

Join online, visit a branch or join by mail. You can start with a $5 membership deposit, apply for loans and open savings and checking accounts at the same time with additional deposits. For additional information on signing up, please visit the Virginia Credit Union website or contact the membership development representative at 804-560-5682.

Virginia Credit Union is Federally Insured by National Credit Union Association (NCUA).