Virginia Credit Union, Inc.,
Virginia Credit Union, Inc., is a NCUA insured credit union
headquartered at P.O. Box 90010, Richmond, VA 23225.
It was founded in 1928 and has approximately
$5,147 million in assets. Customers can open an account at one of its
34 branches.
Deposit Rates - September 26, 2023
SAVINGS RATES | APY | MIN | |
---|---|---|---|
Savings
|
0.20% | $2,500 | Compare |
CD RATES | APY | MIN | |
---|---|---|---|
6 Mo CD
|
0.35% | $10,000 | Compare |
6 Mo CD
|
0.55% | $100,000 | Compare |
12 Mo CD
|
0.55% | $10,000 | Compare |
12 Mo CD
|
0.75% | $100,000 | Compare |
24 Mo CD
|
0.60% | $10,000 | Compare |
24 Mo CD
|
0.80% | $100,000 | Compare |
36 Mo CD
|
0.75% | $10,000 | Compare |
36 Mo CD
|
0.95% | $100,000 | Compare |
48 Mo CD
|
0.85% | $10,000 | Compare |
48 Mo CD
|
1.05% | $100,000 | Compare |
60 Mo CD
|
0.90% | $10,000 | Compare |
60 Mo CD
|
1.10% | $100,000 | Compare |
MM RATES | APY | MIN | |
---|---|---|---|
Money Market
|
0.05% | $2,500 | Compare |
Money Market
|
0.05% | $10,000 | Compare |
Money Market
|
0.50% | $25,000 | Compare |
INT CHECKING RATES | APY | MIN |
---|---|---|
Int Ckg
|
0.05% | $1 |
Int Ckg
|
0.05% | $2,500 |
Loan Rates - September 26, 2023
MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
---|---|---|
5 Year Adjustable Conforming
|
7.84% | $2,182.96 |
7 Year Adjustable Conforming
|
7.83% | $2,237.49 |
10 Year Adjustable Conforming
|
7.75% | $2,211.25 |
15 Year Fixed Conforming
|
6.67% | $2,787.54 |
20 Year Fixed Conforming
|
7.41% | $2,554.47 |
30 Year Fixed Conforming
|
7.26% | $2,156.98 |
MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
---|---|---|
5 Year Adjustable Conforming
|
7.84% | $2,182.96 |
7 Year Adjustable Conforming
|
7.83% | $2,237.49 |
10 Year Adjustable Conforming
|
7.75% | $2,211.25 |
15 Year Fixed Conforming
|
6.67% | $2,787.54 |
20 Year Fixed Conforming
|
7.41% | $2,554.47 |
30 Year Fixed Conforming
|
7.26% | $2,156.98 |
HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
---|---|---|---|---|
Line of Credit
|
5.50% | Varies | ||
Compare with RATE Line of Credit from Figure Home Equity Line
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Compare with RATE Line of Credit from New American Funding, LLC
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AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
---|---|---|
3 Year
|
2.99% | $726.92 |
4 Year
|
2.99% | $553.25 |
5 Year
|
3.49% | $454.68 |
Overview 2023
General Credit Union Information
NCUA Insured | Yes / State-Chartered |
Charter Number | # 66836 |
Date Established | 1928 |
Assets | $5,147.27 million |
Loans | $3,531.13 million |
Deposits | $4,436.32 million |
Capital | $553.04 million |
Customer Reviews for Virginia Credit Union, Inc.,
Branches
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Virginia Credit Union, Inc., Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1LOCAL CDCredit UnionVIRGINIA$50,0006 Month0.35%1.09x (National Avg. - 0.32%)$10,000-SCENARIO
Year Rate
0.35%Annual
InterestAnnual Interest
(After Tax)1 50,000 175 123 2 50,175 176 123 3 50,351 176 123 4 50,527 177 124 5 50,704 177 124 6 50,881 178 125 7 51,059 179 125 8 51,238 179 126 9 51,417 180 126 10 51,597 181 126 11 51,778 181 127 12 51,959 182 127 13 52,141 182 128 14 52,323 183 128 15 52,507 184 129 16 52,690 184 129 17 52,875 185 130 18 53,060 186 130 19 53,245 186 130 20 53,432 187 131 TOTAL $3,619 $2,533 - 2LOCAL CDOnline Bank-$50,00060 Month4.00%4.63x (National Avg. - 0.86%)$2,500-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689 - 3LOCAL CDOnline Bank-$50,00024 Month4.30%7.15x (National Avg. - 0.60%)$2,500-SCENARIO
Year Rate
4.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,150 1,505 2 52,150 2,242 1,570 3 54,392 2,339 1,637 4 56,731 2,439 1,708 5 59,171 2,544 1,781 6 61,715 2,654 1,858 7 64,369 2,768 1,938 8 67,137 2,887 2,021 9 70,024 3,011 2,108 10 73,035 3,140 2,198 11 76,175 3,276 2,293 12 79,451 3,416 2,391 13 82,867 3,563 2,494 14 86,430 3,717 2,602 15 90,147 3,876 2,713 16 94,023 4,043 2,830 17 98,066 4,217 2,952 18 102,283 4,398 3,079 19 106,681 4,587 3,211 20 111,268 4,785 3,349 TOTAL $66,053 $46,237 - 4LOCAL CDOnline Bank-$50,00012 Month5.00%10.27x (National Avg. - 0.49%)$2,500-SCENARIO
Year Rate
5.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,500 1,750 2 52,500 2,625 1,838 3 55,125 2,756 1,929 4 57,881 2,894 2,026 5 60,775 3,039 2,127 6 63,814 3,191 2,233 7 67,005 3,350 2,345 8 70,355 3,518 2,462 9 73,873 3,694 2,586 10 77,566 3,878 2,715 11 81,445 4,072 2,851 12 85,517 4,276 2,993 13 89,793 4,490 3,143 14 94,282 4,714 3,300 15 98,997 4,950 3,465 16 103,946 5,197 3,638 17 109,144 5,457 3,820 18 114,601 5,730 4,011 19 120,331 6,017 4,212 20 126,348 6,317 4,422 TOTAL $82,665 $57,865 - 5LOCAL CDBank-$50,00018 Month4.75%9.00x (National Avg. - 0.53%)$2,500-SCENARIO
Year Rate
4.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,375 1,663 2 52,375 2,488 1,741 3 54,863 2,606 1,824 4 57,469 2,730 1,911 5 60,199 2,859 2,002 6 63,058 2,995 2,097 7 66,053 3,138 2,196 8 69,191 3,287 2,301 9 72,477 3,443 2,410 10 75,920 3,606 2,524 11 79,526 3,777 2,644 12 83,304 3,957 2,770 13 87,261 4,145 2,901 14 91,406 4,342 3,039 15 95,747 4,548 3,184 16 100,295 4,764 3,335 17 105,059 4,990 3,493 18 110,050 5,227 3,659 19 115,277 5,476 3,833 20 120,753 5,736 4,015 TOTAL $76,488 $53,542 - 6LOCAL CDBank-$50,00012 Month5.65%11.60x (National Avg. - 0.49%)$1,000-SCENARIO
Year Rate
5.65%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,825 1,978 2 52,825 2,985 2,089 3 55,810 3,153 2,207 4 58,963 3,331 2,332 5 62,294 3,520 2,464 6 65,814 3,718 2,603 7 69,532 3,929 2,750 8 73,461 4,151 2,905 9 77,611 4,385 3,070 10 81,997 4,633 3,243 11 86,629 4,895 3,426 12 91,524 5,171 3,620 13 96,695 5,463 3,824 14 102,158 5,772 4,040 15 107,930 6,098 4,269 16 114,028 6,443 4,510 17 120,471 6,807 4,765 18 127,277 7,191 5,034 19 134,469 7,597 5,318 20 142,066 8,027 5,619 TOTAL $100,093 $70,065
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