Virginia Credit Union, Inc.,
Phone: 1-804-323-6800
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
$5,295 million in assets. Customers can open an account at one of its
34 branches.
Deposit Rates - December 26, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.05% | $100 | Compare |
|
SAV
|
0.40% | $500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
2.25% | $500 | Compare |
|
6 Mo CD
|
2.25% | $5,000 | Compare |
|
6 Mo CD
|
2.45% | $50,000 | Compare |
|
6 Mo CD
|
2.65% | $100,000 | Compare |
|
12 Mo CD
|
3.65% | $500 | Compare |
|
12 Mo CD
|
3.66% | $5,000 | Compare |
|
12 Mo CD
|
3.85% | $50,000 | Compare |
|
12 Mo CD
|
4.05% | $100,000 | Compare |
|
24 Mo CD
|
3.35% | $500 | Compare |
|
24 Mo CD
|
3.36% | $5,000 | Compare |
|
24 Mo CD
|
3.55% | $50,000 | Compare |
|
24 Mo CD
|
3.75% | $100,000 | Compare |
|
36 Mo CD
|
3.40% | $500 | Compare |
|
36 Mo CD
|
3.41% | $5,000 | Compare |
|
36 Mo CD
|
3.60% | $50,000 | Compare |
|
36 Mo CD
|
3.80% | $100,000 | Compare |
|
48 Mo CD
|
3.40% | $500 | Compare |
|
48 Mo CD
|
3.41% | $5,000 | Compare |
|
48 Mo CD
|
3.60% | $50,000 | Compare |
|
48 Mo CD
|
3.80% | $100,000 | Compare |
|
60 Mo CD
|
3.50% | $500 | Compare |
|
60 Mo CD
|
3.51% | $5,000 | Compare |
|
60 Mo CD
|
3.70% | $50,000 | Compare |
|
60 Mo CD
|
3.90% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.05% | $100 | Compare |
|
Money Market
|
1.35% | $10,000 | Compare |
| PREMM RATES | APY | MIN | |
|---|---|---|---|
|
Premium Money Market
|
0.05% | $100 | Compare |
|
Premium Money Market
|
1.85% | $25,000 | Compare |
|
Premium Money Market
|
2.10% | $50,000 | Compare |
|
Premium Money Market
|
2.35% | $100,000 | Compare |
|
Premium Money Market
|
2.70% | $250,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.05% | $1 |
|
INTCK
|
0.25% | $5,000 |
Loan Rates - December 26, 2025
| 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 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| 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 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.50% | Varies | ||
Compare with 6.24 RATE Line of Credit from Third Federal Savings and Loan
|
||||
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
Compare with 8.5 RATE Line of Credit from Farmers Bank of Kansas City
|
||||
| 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 2025
General Credit Union Information
| 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 |
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 SAVINGSCredit Union-$50,000N.A.0.05%0.22x (National Avg. - 0.23%)$100-SCENARIO
Year Rate
0.05%Annual
InterestAnnual Interest
(After Tax)1 50,000 25 18 2 50,025 25 18 3 50,050 25 18 4 50,075 25 18 5 50,100 25 18 6 50,125 25 18 7 50,150 25 18 8 50,175 25 18 9 50,200 25 18 10 50,225 25 18 11 50,251 25 18 12 50,276 25 18 13 50,301 25 18 14 50,326 25 18 15 50,351 25 18 16 50,376 25 18 17 50,402 25 18 18 50,427 25 18 19 50,452 25 18 20 50,477 25 18 TOTAL $502 $352 - 2ONLINE SAVINGSBank-$50,000N.A.3.75%16.67x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
3.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,875 1,313 2 51,875 1,945 1,362 3 53,820 2,018 1,413 4 55,839 2,094 1,466 5 57,933 2,172 1,521 6 60,105 2,254 1,578 7 62,359 2,338 1,637 8 64,697 2,426 1,698 9 67,124 2,517 1,762 10 69,641 2,612 1,828 11 72,252 2,709 1,897 12 74,962 2,811 1,968 13 77,773 2,916 2,042 14 80,689 3,026 2,118 15 83,715 3,139 2,198 16 86,854 3,257 2,280 17 90,111 3,379 2,365 18 93,491 3,506 2,454 19 96,996 3,637 2,546 20 100,634 3,774 2,642 TOTAL $54,408 $38,085
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