VIRGINIA CREDIT UNION, INC.,

P.O. Box 90010
Richmond, VA 23225

 

2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 66836
Date Established 1928
Assets $3,536.57 million
Loans $2,425.11 million
Deposits $2,911.00 million
Capital $331.95 million

Virginia Credit Union, Inc., is an NCUA insured institution located in Richmond, VA. It was founded in 1928 and has approximately $3536.57 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

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 - September 22, 2018

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
06MCD10K
1.00% $500 $24,999 Learn MoreShow Less
6 Mo CD 100K
1.00% $50,000 - Learn MoreShow Less
06MCD100K
1.05% $50,000 $9,999,999 Learn MoreShow Less
Savings Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
FIXIRA0K
1.40% $100 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
VARIRA0K
1.30% $100 $24,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.05% $100 $9,999 Learn MoreShow Less
MM 10K
0.55% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $4,999 Learn MoreShow Less

Loan Rates - September 22, 2018

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.74% 2.74% $724.17 Learn MoreShow Less
4 Year 2.74% 2.74% $550.49 Learn MoreShow Less
5 Year 2.74% 2.74% $446.33 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

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:
Ashburn,Virginia


Virginia Credit Union, Inc., Locations

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
8.49% 6.94

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 March 31, 2018, Virginia Credit Union, Inc., had $30,305,062 in non-current loans and $293,702 in owned assets. To cover these potential losses it had $331,954,837 in net worth and $28,641,192 in loans loss reserves. That gives it a Texas Ratio of 8.49%.

Net Worth
Virginia Credit Union, Inc., U.S. Average
9.58% 13.08%

Virginia Credit Union, Inc., FCU has a net worth of 9.58% versus the BestCashCow average of 13.08. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Virginia Credit Union, Inc.,

What is Virginia Credit Union, Inc.,?

A federal credit union, registered with the NCUA under certificate #66836.
Learn more about credit unions here.

Is Virginia Credit Union, Inc., FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Virginia Credit Union, Inc.,?

Please see Field of Membership information above for information on who is eligible to join.

What are Virginia Credit Union, Inc.,'s share account and share certificate rates?

Virginia Credit Union, Inc.,'s deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Virginia Credit Union, Inc.,?

Virginia Credit Union, Inc., has total capital of $331.95 million. Full information on Virginia Credit Union, Inc.,'s financial position is located above.

Who owns Virginia Credit Union, Inc.,?

Credit Unions are owned by their members.

Where are Virginia Credit Union, Inc., branches located?

See branch locations nearby.

Are Virginia Credit Union, Inc., ATMs Open 24/7?

Do Virginia Credit Union, Inc., ATMs accept cash deposits?

Can Virginia Credit Union, Inc., customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Virginia Credit Union, Inc., have a mobile app?

Does Virginia Credit Union, Inc., have mobile deposit?

Does Virginia Credit Union, Inc., have quick pay?

How can Virginia Credit Union, Inc., transfer money to other banks or credit unions?

Does Virginia Credit Union, Inc., report to credit bureaus?

Does Virginia Credit Union, Inc., use Chexsystems?

Does Virginia Credit Union, Inc., use Equifax?

What is Virginia Credit Union, Inc.,'s toll free phone number?

What is Virginia Credit Union, Inc.,'s ACH Routing Number?

What is Virginia Credit Union, Inc.,'s SWIFT code?

Where can I find Virginia Credit Union, Inc.,'s wire transfer form?

What is the Virginia Credit Union, Inc., address for deposits?

What Products Does Virginia Credit Union, Inc., Offer

Does Virginia Credit Union, Inc., offer mortgages?

Compare mortgage rates here.

Does Virginia Credit Union, Inc., offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Virginia Credit Union, Inc., offer auto and RV loans?

Compare auto loan rates here.

Does Virginia Credit Union, Inc., offer student loans or personal loans?

Compare personal loan rates here.

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