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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Virginia Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Virginia Credit Union's money market rates are at 0.05%. Virginia Credit Union's 15yr Jumbo Fixed Rate Conventional rates are at 5.62%, 15yr Jumbo Fixed Rate Conventional rates are at 6.00%, 30yr Jumbo Fixed Rate Mortgage rates are at 6.00%, 30yr Jumbo Fixed Rate Mortgage rates are at 6.25%. MonitorBankRates evaluates the financial stability of Virginia Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.74%. Rates were last updated on 04/19/2026. Virginia Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Virginia Credit Union? Share your experience about Virginia Credit Union by leaving a review below, or read customer reviews before you decide to use Virginia Credit Union. Virginia Credit Union
BOULDERS 7500 Boulder View Dr
https://www.vacu.org North Chesterfield, VA 23225 4046 
Virginia Credit Union Money Market Rates
Virginia Credit Union Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Virginia Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Virginia Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Virginia Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Virginia Credit Union
Website
https://www.vacu.org
Address
7500 Boulder View Dr,
North Chesterfield, VA 23225 4046
Phone
804-323-6000
Fax
President
Kenneth Ampy
CEO
Christopher Shockley
Full-Time Employees
749
Part-Time Employees
24
Branch Locations
21
ATM Locations
21
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.74%
Return on Assets (ROA)
0.0939%
Return on Equity (ROE)
0.8855%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
5,283,300,793
Total Amount of Shares and Deposits
4,508,018,556
Total Shares and Deposits < 1 Year
4,157,655,661
Total Shares and Deposits 1 3 Years
181,292,452
Total Shares and Deposits > 3 Years
169,070,443
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
187,657,210
Total Uninsured Shares and Deposits > $250K (F+J)
187,657,210
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,320,361,346
Total Interest Expense (Sum of items 6 8)
27,310,789
Share Certificates
21,456
Number of Accounts for Share Drafts
217,944
IRA KEOGH Accounts
7,987
Number of Accounts for Regular Shares
188,404
All other shares
1,040
Money Market Shares
30,874
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
-2,226,228
Total Liabilities
4,887,560,704
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About Virginia Credit UnionIs Virginia Credit Union a safe place to deposit money?Yes, Virginia Credit Union is considered a safe financial institution. With a Texas Ratio of 6.7438859588501%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Virginia Credit Union operate?Virginia Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Virginia Credit Union?Yes, to access services at Virginia Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Virginia Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Virginia Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Virginia Credit Union offer online and mobile banking?Most modern institutions like Virginia Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vacu.org. Current Virginia Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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