Back to Richmond credit unions

Virginia

P.O. Box 90010, Richmond, VA 23225
NCUA Insured3.5 (72 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1928

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 90010

Richmond, VA 23225

Service Area

This credit union is located in Richmond and serves members in the VA area. Currently serving 491,381 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.00%

Used Auto Loan

6.00%

Personal Loan

8.00%

Credit Card APR

16.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in VA

Lowest rates currently reported by credit unions in VA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(43 total)

Member Reviews

3.5

72 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Jessica Whitaker

Jessica Whitaker

4 months ago

20+ year member of Member one Federal Credit Union who recently merged with Virginia Credit union. Absolutely done. While I was out of the country, I had plenty of money in my account. Because of a hold that never even posted, Member One charged me 10 overdraft/court fees — $350 total. My account was never overdrawn. After “escalating,” they refunded only $175 and showed zero accountability or concern. I told them I’m moving four accounts — they didn’t care. I can’t help but wonder if this is the result of the merge with Virginia Credit Union, because this is not how a member-focused credit union operates. Avoid.

Lilly Poulter

Lilly Poulter

6 months ago

Mike could quickly tell I was exhausted, realize that I value doing things quickly, and got everything I needed done in 5 seconds. 12/10 stars stellar personality

patricia gosnell

patricia gosnell

5 months ago

Fraudulent purchase on my MasterCard and I called customer service credit card people they can’t help me so then I talk to a lady in customer service and she was wonderful so she said I had to call the fraud department so I called them. They can’t help me. I am so frustrated right now. I just don’t know which way to turn

Denise Shafer

Denise Shafer

11 months ago

I’ve been a loyal Virginia Credit Union member for years, but I finally had enough and moved my accounts to another institution due to the endless, frustrating fees and terrible customer service. I went into a branch to move my direct debits for two loans to my new bank and close my checking account. They debited one payment, then sent me letters saying they weren’t debiting any more payments. No one communicated this with me beforehand—just letters after the fact. It’s beyond frustrating that after all these years of being a customer, I had to deal with this nonsense. They didn’t do anything they promised, and the lack of communication was infuriating. I have NEVER paid late on either of my loans and I’m so glad to be rid of this place and will never recommend VACU to anyone. Terrible service, ridiculous fees, and zero accountability.

Dorothea Branch

Dorothea Branch

a year ago

I’ve always received excellent customer care when visiting my local Virginia Credit Union. The staff is friendly and knowledgeable with the information about products and services they offer.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).