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Virginia Credit Union

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Virginia Credit Union Rates & Review October 2026

Q: What are the current interest rates at Virginia Credit Union?

Current rates for Virginia Credit Union include: 12-Month CD: 3.85%, 18-Month CD: 2.50%, 24-Month CD: 3.40%, 60-Month CD: 3.75%, Savings: 1.25%, MMA: 2.75%

Q: What CD terms does Virginia Credit Union offer?

The Virginia Credit Union CD terms we track include 12 month, 18 month, 2 year, 3 year and 5 year terms, with rates from 3.65% to 4.05% APY. The institution may offer other terms or specials that are not listed here, so check with Virginia Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 19, 2026

Virginia Credit Union's 12 month CD rates are at 4.05%, 12 month IRA rates are at 4.05%, 60 month CD rates are at 3.95%, 60 month IRA rates are at 3.95%, 36 month CD rates are at 3.65%. Virginia Credit Union's savings rates are at 1.25%. Virginia Credit Union's money market rates are at 2.75%. Virginia Credit Union's checking rates are as high as 0.25%. Virginia Credit Union's 10-Year ARM rates are at 6.25%, 7-Year ARM rates are at 5.88%, 5-Year ARM rates are at 5.88%, 15yr Jumbo Fixed Rate Conventional rates are at 6.38%, 10-Year Jumbo ARM rates are at 6.12%. Virginia Credit Union's Personal Loan Rates are as low as 7.24%. 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 6.40%. Rates last updated and verified on 10/19/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.40%

Excellent Higher than avg

Health Trend

Steady 8 quarters

Full history ›

Virginia Credit Union
BOULDERS

7500 Boulder View Dr
North Chesterfield, VA 23225-4046

https://www.vacu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Virginia Credit Union CD Rates

Product	Rate	APY	Term
12 month certificate	3.977%	4.05%	12 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 4.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month IRA	3.977%	4.05%	12 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 4.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month certificate	3.88%	3.95%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month IRA	3.88%	3.95%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month certificate	3.88%	3.95%	60 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month IRA	3.88%	3.95%	60 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month certificate	3.796%	3.86%	12 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.86% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month IRA	3.796%	3.86%	12 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.86% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month certificate	3.796%	3.85%	12 months
Min Deposit $500 Min Balance $500 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month IRA	3.796%	3.85%	12 months
Min Deposit $100 Min Balance $100 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month certificate	3.784%	3.85%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month IRA	3.784%	3.85%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month certificate	3.698%	3.76%	60 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month IRA	3.698%	3.76%	60 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month certificate	3.698%	3.75%	60 months
Min Deposit $500 Min Balance $500 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month IRA	3.698%	3.75%	60 months
Min Deposit $100 Min Balance $100 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month certificate	3.59%	3.65%	36 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month IRA	3.59%	3.65%	36 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month certificate	3.59%	3.65%	48 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month IRA	3.59%	3.65%	48 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 Month Certificate	3.542%	3.60%	24 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 month IRA	3.542%	3.60%	24 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month certificate	3.494%	3.55%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month IRA	3.494%	3.55%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month certificate	3.494%	3.55%	48 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month IRA	3.494%	3.55%	48 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 Month Certificate	3.445%	3.50%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 month IRA	3.445%	3.50%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month certificate	3.406%	3.46%	36 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month IRA	3.406%	3.46%	36 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.46% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month certificate	3.406%	3.46%	48 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month IRA	3.406%	3.46%	48 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.46% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month certificate	3.406%	3.45%	36 months
Min Deposit $500 Min Balance $500 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month IRA	3.406%	3.45%	36 months
Min Deposit $100 Min Balance $100 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month certificate	3.406%	3.45%	48 months
Min Deposit $500 Min Balance $500 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month IRA	3.406%	3.45%	48 months
Min Deposit $100 Min Balance $100 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 Month Certificate	3.357%	3.41%	24 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 month IRA	3.357%	3.41%	24 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.41% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 Month Certificate	3.357%	3.40%	24 months
Min Deposit $500 Min Balance $500 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 month IRA	3.357%	3.40%	24 months
Min Deposit $100 Min Balance $100 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
18 month variable IRA	2.667%	2.70%	18 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
18 month variable IRA	2.57%	2.60%	18 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
18 month variable IRA	2.477%	2.51%	18 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 2.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
18 month variable IRA	2.477%	2.50%	18 months
Min Deposit $500 Min Balance $500 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
6 month certificate	2.325%	2.35%	6 months
Min Deposit $100,000 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 2.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
6 month certificate	2.227%	2.25%	6 months
Min Deposit $50,000 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
6 month certificate	2.133%	2.15%	6 months
Min Deposit $500 Min Balance $500 Details Compounding: Quarterly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
6 month certificate	2.133%	2.15%	6 months
Min Deposit $5,000 Min Balance $5,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	1.24%	1.25%
Min Deposit $5 Min Balance $100 Details Compounding Frequency: Quarterly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Regular Savings	0.40%	0.40%
Min Deposit $5 Min Balance $500 Details Minimum to earn APY: $500; Compounding: Quarterly; For Regular Savings there is no minimum balance to earn APY for members under age 23 Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Regular Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Minimum to earn APY: $100; Compounding: Quarterly; For Regular Savings there is no minimum balance to earn APY for members under age 23 Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union Money Market Rates

Product	Rate	APY
Premium Plus Money Market	2.716%	2.75%
Min Deposit $25,000 Min Balance $250,000 Details Compounding Frequency: Monthly Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Oct 1, 20262.75%▲ from 2.60% Sep 30, 20262.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Plus Money Market	2.374%	2.40%
Min Deposit $25,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 2.25% → 2.40% ▲ 0.15 pts · high 2.40% / low 2.25% Oct 1, 20262.40%▲ from 2.25% Sep 30, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Plus Money Market	1.982%	2.00%
Min Deposit $25,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Plus Money Market	1.736%	1.75%
Min Deposit $25,000 Min Balance $25,000 Details Compounding Frequency: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Money Market	1.24%	1.25%
Min Deposit $10,000 Min Balance $10,000 Details Compounding Frequency: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Money Market	0.05%	0.05%
Min Deposit $10,000 Min Balance $100 Details Compounding Frequency: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Plus Money Market	0.05%	0.05%
Min Deposit $25,000 Min Balance $100 Details Compounding Frequency: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union Business Money Market Rates

Product	Rate	APY
Commercial Money Market	1.48%	1.50%
Min Deposit $100 Min Balance $250,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Commercial Money Market	1.34%	1.35%
Min Deposit $100 Min Balance $100,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Commercial Money Market	1.19%	1.20%
Min Deposit $100 Min Balance $50,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Commercial Money Market	1.04%	1.05%
Min Deposit $100 Min Balance $25,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Business Money Market	0.79%	0.80%
Min Deposit $100 Min Balance $10,000 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Business Money Market	0.39%	0.40%
Min Deposit $100 Min Balance $1,500 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Business Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $100 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Commercial Money Market	0.05%	0.05%
Min Deposit $100 Min Balance $100 Details Compounding: Monthly Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union Checking Rates

Product	Rate	APY
Checking Plus	0.25%	0.25%
Min Deposit $20 Min Balance $5,000 Details Checking Rates; Minimum to Earn APY: $5000; Compounding Frequency: Monthly; APYs may change after account is opened Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Enhanced Benefit Checking	0.25%	0.25%
Min Deposit $20 Min Balance $5,000 Details Checking Rates; Minimum to Earn APY: $5000; Compounding Frequency: Monthly; APYs may change after account is opened Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Extra Credit Checking (ages 13-22)	0.25%	0.25%
Min Deposit $20 Min Balance $5,000 Details Checking Rates; Minimum to Earn APY: $5000; Compounding Frequency: Monthly; Applicants under age 15 must have a joint owner on the account; APYs may change after account is opened Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Checking Plus	0.05%	0.05%
Min Deposit $20 Min Balance $1 Details Checking Rates; Minimum to Earn APY: $1; Compounding Frequency: Monthly; APYs may change after account is opened Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Enhanced Benefit Checking	0.05%	0.05%
Min Deposit $20 Min Balance $1 Details Checking Rates; Minimum to Earn APY: $1; Compounding Frequency: Monthly; APYs may change after account is opened Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Extra Credit Checking (ages 13-22)	0.05%	0.05%
Min Deposit $20 Min Balance $1 Details Checking Rates; Minimum to Earn APY: $1; Compounding Frequency: Monthly; Applicants under age 15 must have a joint owner on the account; APYs may change after account is opened Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10-Year ARM	6.25%	-0.125	6.508%	360 months
No additional details. Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.51% → 6.51% ▼ 0.00 pts · high 6.67% / low 6.51% Oct 19, 20266.51%▼ from 6.67% Oct 2, 20266.67%▲ from 6.51% Sep 30, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year ARM	6.00%	1.750	6.522%	360 months
Details Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.52% → 6.52% ▼ 0.00 pts · high 6.69% / low 6.52% Oct 19, 20266.52%▼ from 6.69% Oct 2, 20266.69%▲ from 6.52% Sep 30, 20266.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year ARM	5.875%	1.625	6.571%	360 months
Details Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.57% → 6.57% ▼ 0.00 pts · high 6.70% / low 6.57% Oct 19, 20266.57%▼ from 6.70% Oct 2, 20266.70%▲ from 6.57% Sep 30, 20266.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year ARM	5.875%	0.500	6.582%	360 months
No additional details. Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.58% → 6.58% ▼ 0.00 pts · high 6.68% / low 6.58% Oct 19, 20266.58%▼ from 6.68% Oct 2, 20266.68%▲ from 6.58% Sep 30, 20266.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year ARM	6.25%	0.875	6.603%	360 months
Details Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.60% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year ARM	6.125%	0.625	6.605%	360 months
No additional details. Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.61% → 6.61% ▼ 0.00 pts · high 6.74% / low 6.61% Oct 19, 20266.61%▼ from 6.74% Oct 2, 20266.74%▲ from 6.61% Sep 30, 20266.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15yr Jumbo Fixed Rate Conventional	6.375%	1.125	6.62%	180 months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 6.37% → 6.62% ▲ 0.25 pts · high 6.62% / low 6.37% Oct 2, 20266.62%▲ from 6.37% Sep 30, 20266.37%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year ARM	6.125%	-0.125	6.622%	360 months
No additional details. Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.62% → 6.62% ▼ 0.00 pts · high 6.72% / low 6.62% Oct 19, 20266.62%▼ from 6.72% Oct 2, 20266.72%▲ from 6.62% Sep 30, 20266.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year ARM	6.50%	-0.875	6.626%	360 months
No additional details. Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.63% → 6.63% ▼ 0.00 pts · high 6.79% / low 6.63% Oct 19, 20266.63%▼ from 6.79% Oct 2, 20266.79%▲ from 6.63% Sep 30, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year ARM	5.625%	2.000	6.627%	360 months
Details Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.63% → 6.63% ▼ 0.00 pts · high 6.73% / low 6.63% Oct 19, 20266.63%▼ from 6.73% Oct 2, 20266.73%▲ from 6.63% Sep 30, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year ARM	6.125%	0.875	6.629%	360 months
Details Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year ARM	5.875%	1.125	6.642%	360 months
Details Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.64% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year ARM	6.375%	-0.125	6.663%	360 months
No additional details. Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.66% → 6.66% ▼ 0.00 pts · high 6.79% / low 6.66% Oct 19, 20266.66%▼ from 6.79% Oct 2, 20266.79%▲ from 6.66% Sep 30, 20266.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year Jumbo ARM	6.125%	1.750	6.751%	360 months
Details Jumbo - Adjustable Rate Mortgage; payment example; option 1 of 2 Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.82% → 6.75% ▼ 0.07 pts · high 6.92% / low 6.75% Oct 19, 20266.75%▼ from 6.92% Oct 2, 20266.92%▲ from 6.82% Sep 30, 20266.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year Jumbo ARM	6.125%	2.000	6.776%	360 months
Details Jumbo - Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History 1 change since Oct 2, 2026 · 6.94% → 6.78% ▼ 0.17 pts · high 6.94% / low 6.78% Oct 19, 20266.78%▼ from 6.94% Oct 2, 20266.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10 Year Fixed Rate	6.50%	0.549	6.784%	120 months
Details Conventional Fixed Rate Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.78% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year Jumbo ARM	5.875%	1.750	6.801%	360 months
Details Jumbo - Adjustable Rate Mortgage; payment example; option 1 of 2 Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.80% → 6.80% ▼ 0.00 pts · high 6.93% / low 6.80% Oct 19, 20266.80%▼ from 6.93% Oct 2, 20266.93%▲ from 6.80% Sep 30, 20266.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
VA 30 Year Fixed Rate	6.50%	2.706	6.815%	360 months
Details VA program; Points are a percentage of the loan amount Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15yr Jumbo Fixed Rate Conventional	6.75%	0.000	6.818%	180 months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 6.57% → 6.82% ▲ 0.25 pts · high 6.82% / low 6.57% Oct 2, 20266.82%▲ from 6.57% Sep 30, 20266.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year Jumbo ARM	6.375%	0.750	6.821%	360 months
Details Jumbo - Adjustable Rate Mortgage; payment example; option 2 of 2 Last Updated 10/19/2026 Rate History 1 change since Oct 2, 2026 · 6.99% → 6.82% ▼ 0.17 pts · high 6.99% / low 6.82% Oct 19, 20266.82%▼ from 6.99% Oct 2, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Conventional 10 Year Fixed Rate	6.375%	1.283	6.824%	120 months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year Jumbo ARM	5.875%	2.000	6.826%	360 months
Details Jumbo - Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History 1 change since Oct 2, 2026 · 6.96% → 6.83% ▼ 0.13 pts · high 6.96% / low 6.83% Oct 19, 20266.83%▼ from 6.96% Oct 2, 20266.96%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year Jumbo ARM	6.125%	0.750	6.834%	360 months
Details Jumbo - Adjustable Rate Mortgage; payment example; option 2 of 2 Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.83% → 6.83% ▼ 0.00 pts · high 6.96% / low 6.83% Oct 19, 20266.83%▼ from 6.96% Oct 2, 20266.96%▲ from 6.83% Sep 30, 20266.83%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15 Year Fixed Rate	6.625%	0.613	6.839%	180 months
Details Conventional Fixed Rate Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year Jumbo ARM	6.375%	1.000	6.845%	360 months
Details Jumbo - Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History 1 change since Oct 2, 2026 · 7.01% → 6.85% ▼ 0.17 pts · high 7.01% / low 6.85% Oct 19, 20266.85%▼ from 7.01% Oct 2, 20267.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year Jumbo ARM	6.125%	1.000	6.859%	360 months
Details Jumbo - Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History 1 change since Oct 2, 2026 · 6.99% → 6.86% ▼ 0.13 pts · high 6.99% / low 6.86% Oct 19, 20266.86%▼ from 6.99% Oct 2, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30yr Jumbo Fixed Rate Mortgage	6.75%	0.875	6.878%	360 months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Oct 2, 20266.88%▲ from 6.63% Sep 30, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year Jumbo ARM	5.625%	1.750	6.879%	360 months
Details Jumbo - Adjustable Rate Mortgage; payment example; option 1 of 2 Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.88% → 6.88% ▼ 0.00 pts · high 6.98% / low 6.88% Oct 19, 20266.88%▼ from 6.98% Oct 2, 20266.98%▲ from 6.88% Sep 30, 20266.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year Jumbo ARM	5.875%	0.750	6.882%	360 months
Details Jumbo - Adjustable Rate Mortgage; payment example; option 2 of 2 Last Updated 10/19/2026 Rate History 2 changes since Sep 30, 2026 · 6.88% → 6.88% ▼ 0.00 pts · high 6.98% / low 6.88% Oct 19, 20266.88%▼ from 6.98% Oct 2, 20266.98%▲ from 6.88% Sep 30, 20266.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year Jumbo ARM	5.625%	2.000	6.903%	360 months
Details Jumbo - Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History 1 change since Oct 2, 2026 · 7.00% → 6.90% ▼ 0.10 pts · high 7.00% / low 6.90% Oct 19, 20266.90%▼ from 7.00% Oct 2, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year Jumbo ARM	5.875%	1.000	6.906%	360 months
Details Jumbo - Adjustable Rate Mortgage Last Updated 10/19/2026 Rate History 1 change since Oct 2, 2026 · 7.01% → 6.91% ▼ 0.10 pts · high 7.01% / low 6.91% Oct 19, 20266.91%▼ from 7.01% Oct 2, 20267.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Conventional 15 Year Fixed Rate	6.625%	1.113	6.92%	180 months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.92% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30yr Jumbo Fixed Rate Mortgage	7.00%	-0.250	7.018%	360 months
No additional details. Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 6.77% → 7.02% ▲ 0.25 pts · high 7.02% / low 6.77% Oct 2, 20267.02%▲ from 6.77% Sep 30, 20266.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
20 Year Fixed Rate	6.875%	0.765	7.057%	240 months
Details Conventional Fixed Rate Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15 Year Fixed Rate	7.00%	-0.289	7.071%	180 months
Details Conventional Fixed Rate Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.07% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
FHA 30 Year Fixed Rate	6.875%	1.574	7.104%	360 months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.10% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Conventional 20 Year Fixed Rate	6.875%	1.265	7.123%	240 months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.12% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
20 Year Fixed Rate	7.125%	-0.130	7.193%	240 months
Details Conventional Fixed Rate Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10 Year Fixed Rate	7.125%	-0.294	7.225%	120 months
Details Conventional Fixed Rate Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.23% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Conventional 20 Year Fixed Rate	7.125%	0.370	7.258%	240 months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year Fixed Rate	7.125%	1.077	7.30%	360 months
Details Conventional Fixed Rate Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Conventional 30 Year Fixed Rate	7.125%	1.577	7.351%	360 months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.35% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Conventional 10 Year Fixed Rate	7.25%	-0.025	7.413%	120 months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.41% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Conventional 15 Year Fixed Rate	7.375%	-0.326	7.444%	180 months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year Fixed Rate	7.375%	0.109	7.453%	360 months
Details Conventional Fixed Rate Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
VA 30 Year Fixed Rate	7.25%	1.788	7.486%	360 months
Details VA program; Points are a percentage of the loan amount Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Conventional 30 Year Fixed Rate	7.375%	0.609	7.505%	360 months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.51% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
FHA 30 Year Fixed Rate	7.375%	1.381	7.593%	360 months
No additional details. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	7.00%
Details As Low As; APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal; Minimum APR 7.00%, Maximum APR 18%; Listed APRs based on loan to value of 70% or less and excellent credit Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 1, 20267.00%▲ from 6.75% Sep 30, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	-	-	7.75%
Details As Low As; Listed APRs based on loan to value of 70% or less and excellent credit; includes .50% discount for repaying by an automated payment method approved by us; property insurance required; reimbursement fee if closed or paid off within 36 months Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Oct 1, 20267.75%▲ from 7.50% Sep 30, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car or Light Truck Loan	-	-	4.49%	up to 48 months
Details As Low As; Listed APR assumes excellent credit and available discounts; 4.49% is the minimum APR offered Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 1, 20264.49%▲ from 4.24% Sep 30, 20264.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Car or Light Truck Loan	-	-	4.69%	up to 66 months
Details As Low As; Listed APR assumes excellent credit and available discounts; 4.49% is the minimum APR offered Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 4.44% → 4.69% ▲ 0.25 pts · high 4.69% / low 4.44% Oct 1, 20264.69%▲ from 4.44% Sep 30, 20264.44%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Car or Light Truck Loan	-	-	5.09%	up to 72 months
Details As Low As; Listed APR assumes excellent credit and available discounts; 4.49% is the minimum APR offered Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 4.84% → 5.09% ▲ 0.25 pts · high 5.09% / low 4.84% Oct 1, 20265.09%▲ from 4.84% Sep 30, 20264.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Car or Light Truck Loan	-	-	5.34%	up to 78 months
Details As Low As; Listed APR assumes excellent credit and available discounts; 4.49% is the minimum APR offered Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 5.09% → 5.34% ▲ 0.25 pts · high 5.34% / low 5.09% Oct 1, 20265.34%▲ from 5.09% Sep 30, 20265.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Car or Light Truck Loan	-	-	6.09%	up to 84 months
Details As Low As; Listed APR assumes excellent credit and available discounts; 4.49% is the minimum APR offered Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 5.84% → 6.09% ▲ 0.25 pts · high 6.09% / low 5.84% Oct 1, 20266.09%▲ from 5.84% Sep 30, 20265.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Watercraft Loan	-	6.49%
Details As Low As; minimum APR offered after available discounts; payment example shows up to 8.74% APR for 84 months Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Recreational Vehicle Loan	-	6.99%
Details As Low As; minimum APR offered after available discounts; payment example shows up to 9.24% APR for 84 months Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Motorcycle Loan	-	7.49%
Details As Low As; minimum APR offered after available discounts; payment example shows up to 9.74% APR for 84 months Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.24%
Details As Low As; Rate effective as of 10/19/2026. Repay in a minimum of 3 months to a maximum of 60 months. Rates range between 7.24% to a maximum APR of 18.00%. Last Updated 10/19/2026 Rate History No change since Oct 1, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Personal Line of Credit	8.50%
Details As Low As; APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 8.50%. Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Express Personal Loan	28.00%	1 to 12 months
Details For loan amounts between $100 and $2,000; subject to credit approval; no application fee; cannot be refinanced to other VACU loans Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 28.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15 Year No Closing Cost Refinance Fixed Rate	7.00%	2.131	7.396%	180 months
Details No closing cost refinance Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.40% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15 Year No Closing Cost Refinance Fixed Rate	7.375%	1.594	7.688%	180 months
Details No closing cost refinance; second rate option for the same product Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year No Closing Cost Refinance Fixed Rate	7.875%	0.940	8.008%	360 months
Details No closing cost refinance Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 8.01% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year No Closing Cost Refinance Fixed Rate	8.375%	-0.254	8.385%	360 months
Details No closing cost refinance; second rate option for the same product Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 8.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year USDA-Rural Development Fixed Rate	7.00%	1.099	7.187%	360 months
Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year USDA-Rural Development Fixed Rate	7.375%	-0.212	7.432%	360 months
Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.43% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Purchase Loan	-	-	6.84%
Details As Low As Last Updated 10/19/2026 Rate History 5 changes since Sep 30, 2026 · 6.95% → 6.84% ▼ 0.11 pts · high 7.09% / low 6.84% Oct 19, 20266.84%▼ from 6.94% Oct 14, 20266.94%▼ from 6.96% Oct 10, 20266.96%▼ from 7.06% Oct 6, 20267.06%▼ from 7.09% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Checking Plus	-	-	0.25%
Min Deposit $20 Min Balance $5,000 Details As Low As; Dividends start at 0.25% APY with minimum $5,000 balance; Rate effective as of 10/19/2026; Monthly fee $0 with minimum balance of $1,000 or more, $10 if less than $1,000; Best for: The benefits of Regular Checking, plus dividends Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Enhanced Benefit Checking	-	-	0.25%
Min Deposit $20 Min Balance $5,000 Details With a minimum $5,000 monthly balance; Minimum required to open $20; No monthly fee with minimum average monthly combined balance of $25,000 or more Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Virginia Credit Union’s Texas Ratio stayed near 6.40% in Q3 2024 to 6.40% in Q2 2026, so its financial health has held steady at a healthy level over the past 8 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$7.4B	6.40%	5.0	A
March 31, 2026	$7.4B	5.47%	5.0	A+
December 31, 2025	$7.2B	6.57%	5.0	A
September 30, 2025	$7.1B	5.98%	5.0	A+
June 30, 2025	$7.0B	6.09%	5.0	A
March 31, 2025	$7.0B	5.81%	5.0	A+
December 31, 2024	$6.9B	8.08%	5.0	A
September 30, 2024	$6.9B	6.40%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 Robert Bolling

CEO Christopher Shockley

Full-Time Employees 1,038

Part-Time Employees 37

Branch Locations 39

ATM Locations 39

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.40%

Return on Assets (ROA)

0.1878%

Return on Equity (ROE)

1.7461%

Non-Performing Loans Ratio (NPL)

1.05%

Total Assets

7,373,457,463

Total Amount of Shares and Deposits

6,406,621,824

Total Shares and Deposits < 1 Year

5,871,273,469

Total Shares and Deposits 1 3 Years

375,187,160

Total Shares and Deposits > 3 Years

160,161,195

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

331,656,295

Total Uninsured Shares and Deposits > $250K (F+J)

331,656,295

Total Insured Shares and Deposits > $250K (item 17 less item K)

6,074,965,529

Total Interest Expense (Sum of items 6 8)

63,042,480

Share Certificates

38,544

Number of Accounts for Share Drafts

273,777

IRA KEOGH Accounts

11,371

Number of Accounts for Regular Shares

251,513

All other shares

1,368

Money Market Shares

37,987

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

193,909,311

Total Liabilities

6,695,712,463

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Virginia Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Virginia Credit Union

Does Virginia Credit Union offer CDs?

Yes. Virginia Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Virginia Credit Union NCUA insured?

Yes. Virginia Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Virginia Credit Union?

The highest CD rate MonitorBankRates has verified for Virginia Credit Union is 4.05% APY on its 12 month CD, as of October 19, 2026.

What CD terms does Virginia Credit Union offer?

The Virginia Credit Union CD terms we track include 12 month, 18 month, 2 year, 3 year and 5 year terms, with rates from 3.65% to 4.05% APY. The institution may offer other terms or specials that are not listed here, so check with Virginia Credit Union for its full lineup.

What is the highest savings rate at Virginia Credit Union?

The highest savings rate MonitorBankRates has verified for Virginia Credit Union is 1.25% APY on its Health Savings Account, as of October 19, 2026.

What is the highest money market rate at Virginia Credit Union?

The highest money market rate MonitorBankRates has verified for Virginia Credit Union is 2.75% APY on its Premium Plus Money Market, as of October 19, 2026.

What is the highest checking rate at Virginia Credit Union?

The highest checking rate MonitorBankRates has verified for Virginia Credit Union is 0.25% APY on its Checking Plus, as of October 19, 2026.

What is the lowest 30 year fixed mortgage rate at Virginia Credit Union?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Virginia Credit Union is 6.50% rate on its VA 30 Year Fixed Rate, as of October 19, 2026.

What is the lowest auto loan rate at Virginia Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Virginia Credit Union is 4.49% APR on its Car or Light Truck Loan, as of October 19, 2026.

What is the lowest personal loan rate at Virginia Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Virginia Credit Union is 7.24% APR on its Personal Loan, as of October 19, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Virginia Credit Union rates compare?

Virginia Credit Union's top rates are 4.05% APY on its 12 month CD, 1.25% APY on savings, 2.75% APY on money market, 0.25% APY on checking, 5.625% on its 5-Year ARM and personal loans from 7.24% APR, verified by MonitorBankRates on October 19, 2026. To compare Virginia Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country.

Current Virginia Credit Union Rates

12-Month CD3.85%
18-Month CD2.50%
24-Month CD3.40%
60-Month CD3.75%
Savings1.25%
MMA2.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Virginia Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Virginia Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Virginia Credit Union

Does Virginia Credit Union offer CDs?

Are CDs from Virginia Credit Union NCUA insured?

What is the highest CD rate at Virginia Credit Union?

What CD terms does Virginia Credit Union offer?

What is the highest savings rate at Virginia Credit Union?

What is the highest money market rate at Virginia Credit Union?

What is the highest checking rate at Virginia Credit Union?

What is the lowest 30 year fixed mortgage rate at Virginia Credit Union?

What is the lowest auto loan rate at Virginia Credit Union?

What is the lowest personal loan rate at Virginia Credit Union?

How many branches does Virginia Credit Union operate?

Is a member application needed to join Virginia Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Virginia Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Virginia Credit Union rates compare?

Current Virginia Credit Union Rates

Compare to Other Credit Unions