Virginia Credit Union, Inc.,
Headquarters
P.o. Box 90010
Richmond, VA 23225
See all branch locations →
Phone 1-804-323-6800
Reviewed by LA | August 14, 2023 |
Staff customer service very poor. Long wait times due to limited staffing.
2024 Overview
General Credit Union Information
Virginia Credit Union, Inc., is an NCUA insured institution located in Richmond, VA. It was founded in 1928 and has approximately $5295.21 millions in assets.
Who can join?
You can...
If you are a full-time or part-time employee or retiree of one of the following groups...
The Commonwealth of Virginia—any state agency or department
Any county, city, town or other political subdivision or any public school system in Virginia
If you are a full-time or part-time student, employee, or faculty member at one of the following colleges or universities...
A Virginia state-funded college, university or community college
Randolph-Macon College, University of Richmond, or Virginia Union University
If you are an employee of one of the following groups
One of our select employee groups
A vendor of Virginia Credit Union
list of select employee groups
http://www.vacu.org/About_VACU/Membership/Who_Can_Join/Eligible_Companies_Groups.aspx
If you live, work, worship, volunteer or attend school within the boundaries of one of the following
City of Richmond
City of Petersburg
City of Hopewell
City of Fredericksburg
Buckingham County
Cumberland County
Nottoway County
Prince Edward County
Town of Farmville
If someone else in your family or household— like a spouse, parent, grandparent, brother, sister, child or grandchild— one of the following...
A full-time or part-time employee
or retiree of the Commonwealth of Virginia, including any state agency or department
A full-time or part-time employee
or retiree of any county, city, town or other political subdivision or any public school system in Virginia
A full-time or part-time student, employee, or faculty at a Virginia state-funded college, university or community college
A full-time or part-time student, employee, or faculty at Randolph-Macon College, University of Richmond, or Virginia Union University
An employee of one of our select employee groups or an employee of a Virginia Credit Union vendor
An individual who lives, works, worships, volunteers or attends school within the boundaries of one of the following: the City of Richmond, City of Petersburg, City of Hopewell, City of Fredericksburg, Buckingham County, Cumberland County, Nottoway County, Prince Edward County or the Town of Farmville
A current member of Virginia Credit Union
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66836 |
| Date Established | 1928 |
| Assets | $5,295.21 million |
| Loans | $3,820.08 million |
| Deposits | $4,454.57 million |
| Capital | $565.78 million |
Field of Membership Restrictions
Membership is open to a wide variety of individuals and groups.
1.Full-time and part-time employees and retirees of any of the following:
Commonwealth of Virginia – any state agency or department.
Any county, city, town or other political subdivision in Virginia.
Any public school system in Virginia.
Any Virginia state-funded college or university, Randolph-Macon College, University of Richmond, or Virginia Union University.
Approved companies and groups.
2.Individuals who live, work, worship, volunteer or attend school within the boundaries of:
City of Richmond, Petersburg, Hopewell, or Fredericksburg.
Buckingham, Cumberland County, Nottoway or Prince Edward County, including town of Farmville.
3.Full-time and part-time college students currently enrolled at:
Any Virginia state-funded college or university.
Randolph-Macon College, University of Richmond, or Virginia Union University.
4.Immediate family, plus household members, of all the eligible individuals listed above. Immediate family includes parents, grandparents, spouses, brothers, sisters, children and grandchildren, regardless of where they live.
5.Corporations, partnerships, organizations, and associations composed of any of the above eligible individuals can also join.
Deposit Rates - November 18, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Regular
|
0.05% | $100 | - |
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|
| SAV
|
0.50% | $500 | - |
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|
|
Money Market
|
0.05% | $100 | $9,999 |
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|
|
Money Market
|
1.75% | $10,000 | - |
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|
|
Premium Money Market Account
|
0.05% | $100 | $24,999 |
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|
|
Premium Money Market Account
|
2.25% | $25,000 | $49,999 |
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|
|
Premium Money Market Account
|
2.50% | $50,000 | $99,999 |
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|
|
Premium Money Market Account
|
2.75% | $100,000 | $249,999 |
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|
|
Premium Money Market Account
|
3.10% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
2.45% | $500 | $4,999 |
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|
| 6 Month
|
2.46% | $5,000 | $49,999 |
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|
| 6 Month
|
2.66% | $50,000 | $99,999 |
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|
| 6 Mo CD
|
2.86% | $100,000 | - |
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|
| 12 Mo CD
|
4.00% | $500 | $4,999 |
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|
| 12 Month
|
4.01% | $5,000 | $49,999 |
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|
| 12 Month
|
4.22% | $50,000 | $99,999 |
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|
| 12 Mo CD
|
4.43% | $100,000 | - |
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|
| 24 Mo CD
|
3.60% | $500 | $4,999 |
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|
| 24 Month
|
3.61% | $5,000 | $49,999 |
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|
| 24 Month
|
3.82% | $50,000 | $99,999 |
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|
| 24 Mo CD
|
4.02% | $100,000 | - |
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|
| 36 Mo CD
|
3.70% | $500 | $4,999 |
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|
| 36 Month
|
3.71% | $5,000 | $49,999 |
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|
| 36 Month
|
3.92% | $50,000 | $49,999 |
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|
| 36 Mo CD
|
4.13% | $100,000 | - |
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|
| 48 Mo CD
|
3.70% | $500 | $4,999 |
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|
| 48 Month
|
3.71% | $5,000 | $49,999 |
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|
| 48 Month
|
3.92% | $50,000 | $99,999 |
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|
| 48 Mo CD
|
4.13% | $100,000 | - |
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|
| 60 Mo CD
|
3.80% | $500 | $4,999 |
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|
| 60 Month
|
3.81% | $5,000 | $49,999 |
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|
| 60 Month
|
4.02% | $50,000 | $99,999 |
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|
| 60 Mo CD
|
4.23% | $100,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.05% | $1 | $4,999 | Learn More |
| INTCK
|
0.50% | $5,000 | - | Learn More |
Loan Rates - November 18, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.50% | 5.50% | Varies | |
Compare with 7.24 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 2.99% | 2.99% | $726.92 | |
| 4 Year | 2.99% | 2.99% | $553.25 | |
| 5 Year | 3.49% | 3.49% | $454.68 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.84% | 7.25% | $2,182.96 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.83% | 7.50% | $2,237.49 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.75% | 7.38% | $2,211.25 | |
| 15 Year Fixed Conforming See Amortization Table |
6.67% | 6.50% | $2,787.54 | |
| 20 Year Fixed Conforming See Amortization Table |
7.41% | 7.38% | $2,554.47 | |
| 30 Year Fixed Conforming See Amortization Table |
7.26% | 7.13% | $2,156.98 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.84% | 7.25% | $2,182.96 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.83% | 7.50% | $2,237.49 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.75% | 7.38% | $2,211.25 | |
| 15 Year Fixed Conforming See Amortization Table |
6.67% | 6.50% | $2,787.54 | |
| 20 Year Fixed Conforming See Amortization Table |
7.41% | 7.38% | $2,554.47 | |
| 30 Year Fixed Conforming See Amortization Table |
7.26% | 7.13% | $2,156.98 | |
Compare with 7.325% APR and 7.250% 30-Year Fixed RATE from Rocket Mortgage
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Virginia Credit Union, Inc., branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Virginia Credit Union, Inc., Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 232.57 | A | View Lobby Hours | |
| 237.69 | B | View Lobby Hours | |
| 240.84 | C | View Lobby Hours | |
| 242.83 | D | View Lobby Hours | |
| 245.15 | E | View Lobby Hours | |
| 246.58 | F | View Lobby Hours | |
| 246.58 | G | View Lobby Hours | |
| 246.58 | H | View Lobby Hours | |
| 246.63 | I | View Lobby Hours | |
| 262.24 | J | View Lobby Hours | |
| 262.77 | K | View Lobby Hours | |
| 269.43 | L | View Lobby Hours | |
| 305.60 | M | View Lobby Hours | |
| 312.15 | N | View Lobby Hours | |
| 314.89 | O | View Lobby Hours | |
| 325.00 | P | View Lobby Hours | |
| 326.63 | Q | View Lobby Hours | |
| 332.07 | R | View Lobby Hours | |
| 332.40 | S | View Lobby Hours | |
| 332.97 | T | View Lobby Hours | |
| 333.34 | U | View Lobby Hours | |
| 335.09 | V | View Lobby Hours | |
| 335.34 | W | View Lobby Hours | |
| 337.06 | X | View Lobby Hours | |
| 338.98 | Y | View Lobby Hours | |
| 339.39 | Z | View Lobby Hours |
Climate Policy and Initiatives
VIRGINIA CREDIT UNION, INC., is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Virginia Credit Union, Inc., Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Virginia Credit Union, Inc.,. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Virginia Credit Union, Inc., | U.S. Average |
|---|---|
| 7.37% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Virginia Credit Union, Inc., had $44,473,118 in non-current loans and $71,748 in owned assets. To cover these potential losses it had $565,784,374 in net worth and $38,750,000 in loans loss reserves. That gives it a Texas Ratio of 7.37%.
Net Worth
| Virginia Credit Union, Inc., | U.S. Average |
|---|---|
| 10.72% | 13.93% |
Virginia Credit Union, Inc., FCU has a net worth of 10.72% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Virginia Credit Union, Inc.,
LA
August 14, 2023 |
Staff customer service very poor. Long wait times due to limited staffing.
Is this review helpful? Yes:0 / No: 0
Meriaam_123
March 30, 2022 |
one of the smaller less experienced credit unions I have never had to ride to branch to bring an ID and Drivers license ok people modern technology!!! Very poor customer service
Is this review helpful? Yes:1 / No: 1
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