Virginia Credit Union

Mission: Virginia Credit Union (VACU) is dedicated to providing comprehensive financial services to its members, including banking, loans, insurance, and investment options, with a focus on serving residents in Louisa County and surrounding areas. The organization offers a wide range of banking products such as checking accounts, savings accounts, money market accounts, certificates, IRAs, and health savings accounts, accessible to eligible individuals.

Services:

• Banking: Checking accounts (Regular, Extra Credit, Checking Plus, Enhanced Benefit, Encore), savings accounts, money market accounts, savings certificates, IRAs, health savings accounts, and kids savings accounts.
• Credit Cards: Multiple options including Flex Rewards Mastercard, Cash Rewards Mastercard, Essential Mastercard, and VCU Black & Gold Mastercard.
• Loans: Car loans, RV, boat, motorcycle loans, home purchase and refinance loans, first-time homebuyer programs, construction loans, mortgage options, and home equity loans.
• Insurance: Car protection, loan payment protection, VACU insurance services, and Virginia statewide title services.
• Online Banking: Secure digital banking services, mobile deposits, and bill pay.
• Business Services: Business accounts, loans, treasury management, online banking, and membership programs.
• Financial Education & Security: Resources for credit, home, and car financial management, life events, security, and educational videos.

Eligibility & Access:

Membership is open to residents of Louisa County and surrounding counties such as Fluvanna, Goochland, Hanover, Spotsylvania, and Orange, as well as residents of Richmond, Charlottesville, and Fredericksburg who meet membership criteria.

Programs & Community Involvement:

VACU emphasizes community involvement, volunteer opportunities, and financial education to support local residents. The organization operates with a focus on member benefits, competitive rates, and accessible services, including multilingual support. It maintains multiple branches and ATMs to serve the community effectively.

Contact & Support:

Members and prospective members can contact VACU via phone, secure messaging, or by visiting their branches. Customer service is available for questions about mortgages, loans, accounts, and other financial services, with dedicated lines for mortgage inquiries and servicing.

Service Areas:

Primarily serving Louisa County residents, with accessible services for surrounding counties and metropolitan areas, ensuring broad community support and financial inclusion.