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: 0.05%, MMA: 0.05%

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Virginia Credit Union

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Virginia Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 1, 2026

Virginia Credit Union's top rates as of October 1, 2026 are 4.05% APY on its 12 month CD, 0.05% APY on savings, 0.05% APY on money market accounts, 5.62% on its 5-Year ARM mortgage, and personal loans from 7.24% APR, according to rates verified by MonitorBankRates. Other Virginia Credit Union CD rates include 12 month IRA at 4.05%, 12 month CD at 3.95%, and 12 month IRA at 3.95%. Other Virginia Credit Union mortgage rates include 15yr Jumbo Fixed Rate Conventional at 6.12%, 10-Year ARM at 6.25%, and 10-Year ARM at 6.00%. 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 10/01/2026.

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

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	3.98%	4.05%	12 month
Rate History No change since Sep 30, 2026 · 4.05% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month IRA	3.98%	4.05%
Rate History No change since Sep 30, 2026 · 4.05% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month certificate	3.88%	3.95%	12 month
Rate History No change since Sep 30, 2026 · 3.95% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month IRA	3.88%	3.95%
Rate History No change since Sep 30, 2026 · 3.95% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month certificate	3.88%	3.95%	60 month
Rate History No change since Sep 30, 2026 · 3.95% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month IRA	3.88%	3.95%
Rate History No change since Sep 30, 2026 · 3.95% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month certificate	3.80%	3.86%	12 month
Rate History No change since Sep 30, 2026 · 3.86% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month IRA	3.80%	3.86%
Rate History No change since Sep 30, 2026 · 3.86% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month certificate	3.80%	3.85%	12 month
Rate History No change since Sep 30, 2026 · 3.85% APY · checked 2 times Min Deposit $500 Min Balance $500 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 month IRA	3.80%	3.85%
Rate History No change since Sep 30, 2026 · 3.85% APY · checked 2 times Min Deposit $100 Min Balance $100 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month certificate	3.78%	3.85%	60 month
Rate History No change since Sep 30, 2026 · 3.85% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month IRA	3.78%	3.85%
Rate History No change since Sep 30, 2026 · 3.85% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month certificate	3.70%	3.76%	60 month
Rate History No change since Sep 30, 2026 · 3.76% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month IRA	3.70%	3.76%
Rate History No change since Sep 30, 2026 · 3.76% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month certificate	3.70%	3.75%	60 month
Rate History No change since Sep 30, 2026 · 3.75% APY · checked 2 times Min Deposit $500 Min Balance $500 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 month IRA	3.70%	3.75%
Rate History No change since Sep 30, 2026 · 3.75% APY · checked 2 times Min Deposit $100 Min Balance $100 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month certificate	3.59%	3.65%	36 month
Rate History No change since Sep 30, 2026 · 3.65% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month IRA	3.59%	3.65%
Rate History No change since Sep 30, 2026 · 3.65% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month certificate	3.59%	3.65%	48 month
Rate History No change since Sep 30, 2026 · 3.65% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month IRA	3.59%	3.65%
Rate History No change since Sep 30, 2026 · 3.65% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 Month Certificate	3.54%	3.60%	24 Month
Rate History No change since Sep 30, 2026 · 3.60% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 month IRA	3.54%	3.60%
Rate History No change since Sep 30, 2026 · 3.60% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month certificate	3.49%	3.55%	36 month
Rate History No change since Sep 30, 2026 · 3.55% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month IRA	3.49%	3.55%
Rate History No change since Sep 30, 2026 · 3.55% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month certificate	3.49%	3.55%	48 month
Rate History No change since Sep 30, 2026 · 3.55% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month IRA	3.49%	3.55%
Rate History No change since Sep 30, 2026 · 3.55% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 Month Certificate	3.45%	3.50%	24 Month
Rate History No change since Sep 30, 2026 · 3.50% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 month IRA	3.45%	3.50%
Rate History No change since Sep 30, 2026 · 3.50% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month certificate	3.41%	3.46%	36 month
Rate History No change since Sep 30, 2026 · 3.46% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month IRA	3.41%	3.46%
Rate History No change since Sep 30, 2026 · 3.46% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month certificate	3.41%	3.46%	48 month
Rate History No change since Sep 30, 2026 · 3.46% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month IRA	3.41%	3.46%
Rate History No change since Sep 30, 2026 · 3.46% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month certificate	3.41%	3.45%	36 month
Rate History No change since Sep 30, 2026 · 3.45% APY · checked 2 times Min Deposit $500 Min Balance $500 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 month IRA	3.41%	3.45%
Rate History No change since Sep 30, 2026 · 3.45% APY · checked 2 times Min Deposit $100 Min Balance $100 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month certificate	3.41%	3.45%	48 month
Rate History No change since Sep 30, 2026 · 3.45% APY · checked 2 times Min Deposit $500 Min Balance $500 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 month IRA	3.41%	3.45%
Rate History No change since Sep 30, 2026 · 3.45% APY · checked 2 times Min Deposit $100 Min Balance $100 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 Month Certificate	3.36%	3.41%	24 Month
Rate History No change since Sep 30, 2026 · 3.41% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 month IRA	3.36%	3.41%
Rate History No change since Sep 30, 2026 · 3.41% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 Month Certificate	3.36%	3.40%	24 Month
Rate History No change since Sep 30, 2026 · 3.40% APY · checked 2 times Min Deposit $500 Min Balance $500 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 month IRA	3.36%	3.40%
Rate History No change since Sep 30, 2026 · 3.40% APY · checked 2 times Min Deposit $100 Min Balance $100 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
18 month variable IRA	2.67%	2.70%
Rate History No change since Sep 30, 2026 · 2.70% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
18 month variable IRA	2.57%	2.60%
Rate History No change since Sep 30, 2026 · 2.60% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
18 month variable IRA	2.48%	2.51%
Rate History No change since Sep 30, 2026 · 2.51% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
18 month variable IRA	2.48%	2.50%
Rate History No change since Sep 30, 2026 · 2.50% APY · checked 2 times Min Deposit $500 Min Balance $500 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
6 month certificate	2.33%	2.35%	6 month
Rate History No change since Sep 30, 2026 · 2.35% APY · checked 2 times Min Deposit $100,000 Min Balance $100,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
6 month certificate	2.23%	2.25%	6 month
Rate History No change since Sep 30, 2026 · 2.25% APY · checked 2 times Min Deposit $50,000 Min Balance $50,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
6 month certificate	2.13%	2.15%	6 month
Rate History No change since Sep 30, 2026 · 2.15% APY · checked 2 times Min Deposit $500 Min Balance $500 Details Compounding Frequency: Quarterly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
6 month certificate	2.13%	2.15%	6 month
Rate History No change since Sep 30, 2026 · 2.15% APY · checked 2 times Min Deposit $5,000 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 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%
Rate History No change since Sep 30, 2026 · 1.25% APY · checked 2 times Min Deposit $5 Min Balance $100 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Regular Savings	0.40%	0.40%
Rate History No change since Sep 30, 2026 · 0.40% APY · checked 2 times Min Deposit $5 Min Balance $500 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Regular Savings	0.05%	0.05%
Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Min Deposit $5 Min Balance $100 Last Updated 10/01/2026 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	2.72%	2.75%
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 Min Deposit $25,000 Min Balance $250,000 Details Balance: $250000 and over Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Plus Money Market	2.38%	2.40%
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 Min Deposit $25,000 Min Balance $100,000 Details Balance: $100000 - $249999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Plus Money Market	1.98%	2.00%
Rate History No change since Sep 30, 2026 · 2.00% APY · checked 2 times Min Deposit $25,000 Min Balance $50,000 Details Balance: $50000 - $99999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Plus Money Market	1.74%	1.75%
Rate History No change since Sep 30, 2026 · 1.75% APY · checked 2 times Min Deposit $25,000 Min Balance $25,000 Details Balance: $25000 - $49999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Commercial Money Market	1.48%	1.50%
Rate History No change since Sep 30, 2026 · 1.50% APY · checked 2 times Min Deposit $100 Min Balance $250,000 Details Balance: $250000 and over Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Commercial Money Market	1.34%	1.35%
Rate History No change since Sep 30, 2026 · 1.35% APY · checked 2 times Min Deposit $100 Min Balance $100,000 Details Balance: $100000 - $249999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Money Market	1.24%	1.25%
Rate History No change since Sep 30, 2026 · 1.25% APY · checked 2 times Min Deposit $10,000 Min Balance $10,000 Details Balance: $10000 - $24999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Commercial Money Market	1.19%	1.20%
Rate History No change since Sep 30, 2026 · 1.20% APY · checked 2 times Min Deposit $100 Min Balance $50,000 Details Balance: $50000 - $99999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Commercial Money Market	1.04%	1.05%
Rate History No change since Sep 30, 2026 · 1.05% APY · checked 2 times Min Deposit $100 Min Balance $25,000 Details Balance: $25000 - $49999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Business Money Market	0.79%	0.80%
Rate History No change since Sep 30, 2026 · 0.80% APY · checked 2 times Min Deposit $100 Min Balance $10,000 Details Balance: $10000 and over Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Business Money Market	0.39%	0.40%
Rate History No change since Sep 30, 2026 · 0.40% APY · checked 2 times Min Deposit $100 Min Balance $1,500 Details Balance: $1500 - $9999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Business Money Market	0.05%	0.05%
Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Min Deposit $100 Min Balance $100 Details Balance: $100 - $1499.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Commercial Money Market	0.05%	0.05%
Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Min Deposit $100 Min Balance $100 Details Balance: $100 - $24999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Money Market	0.05%	0.05%
Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Min Deposit $10,000 Min Balance $100 Details Balance: $100 - $9999.99 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Premium Plus Money Market	0.05%	0.05%
Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Min Deposit $25,000 Min Balance $100 Details Balance: $100 - $24999.99 Last Updated 10/01/2026 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%
Rate History No change since Sep 30, 2026 · 0.25% APY · checked 2 times Min Deposit $20 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Checking Plus	-	0.25%
Rate History No change since Sep 30, 2026 · 0.25% APY · checked 2 times Min Deposit $20 Min Balance $1,000 Details The benefits of Regular Checking, plus dividends. Rate effective as of 10/01/2026. With minimum $5,000 balance. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Enhanced Benefit Checking	0.25%	0.25%
Rate History No change since Sep 30, 2026 · 0.25% APY · checked 2 times Min Deposit $20 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Extra Credit Checking (ages 13-22)	0.25%	0.25%
Rate History No change since Sep 30, 2026 · 0.25% APY · checked 2 times Min Deposit $20 Min Balance $5,000 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Checking Plus	0.05%	0.05%
Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Min Deposit $20 Min Balance $1 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Enhanced Benefit Checking	0.05%	0.05%
Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Min Deposit $20 Min Balance $1 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Extra Credit Checking (ages 13-22)	0.05%	0.05%
Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Min Deposit $20 Min Balance $1 Details Compounding Frequency: Monthly Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Virginia Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15yr Jumbo Fixed Rate Conventional	6.13%	1.125	6.37%	180 months
Rate History No change since Sep 30, 2026 · 6.37% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year ARM	6.25%	-0.125	6.51%	360 months
Rate History No change since Sep 30, 2026 · 6.51% APR · checked 2 times Details Additional APR listed for this product: 6.603%. payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year ARM	6.00%	1.750	6.52%	360 months
Rate History No change since Sep 30, 2026 · 6.52% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15yr Jumbo Fixed Rate Conventional	6.50%	0.000	6.57%	180 months
Rate History No change since Sep 30, 2026 · 6.57% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year ARM	5.88%	1.625	6.57%	360 months
Rate History No change since Sep 30, 2026 · 6.57% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year ARM	5.88%	0.500	6.58%	360 months
Rate History No change since Sep 30, 2026 · 6.58% APR · checked 2 times Details Additional APR listed for this product: 6.642%. payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year ARM	6.13%	0.625	6.61%	360 months
Rate History No change since Sep 30, 2026 · 6.61% APR · checked 2 times Details Additional APR listed for this product: 6.629%. payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year ARM	6.13%	-0.125	6.62%	360 months
Rate History No change since Sep 30, 2026 · 6.62% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30yr Jumbo Fixed Rate Mortgage	6.50%	0.875	6.63%	360 months
Rate History No change since Sep 30, 2026 · 6.63% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year ARM	6.50%	-0.875	6.63%	360 months
Rate History No change since Sep 30, 2026 · 6.63% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year ARM	5.63%	2.000	6.63%	360 months
Rate History No change since Sep 30, 2026 · 6.63% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year ARM	6.38%	-0.125	6.66%	360 months
Rate History No change since Sep 30, 2026 · 6.66% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year Jumbo ARM	6.13%	1.750	6.75%	360 months
Rate History No change since Sep 30, 2026 · 6.75% APR · checked 2 times Details Additional APR listed for this product: 6.776%. payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30yr Jumbo Fixed Rate Mortgage	6.75%	-0.250	6.77%	360 months
Rate History No change since Sep 30, 2026 · 6.77% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year Jumbo ARM	5.88%	1.750	6.80%	360 months
Rate History No change since Sep 30, 2026 · 6.80% APR · checked 2 times Details Additional APR listed for this product: 6.826%. payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10-Year Jumbo ARM	6.38%	1.750	6.82%	360 months
Rate History No change since Sep 30, 2026 · 6.82% APR · checked 2 times Details Additional APR listed for this product: 6.845%. payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
7-Year Jumbo ARM	6.13%	0.750	6.83%	360 months
Rate History No change since Sep 30, 2026 · 6.83% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year Jumbo ARM	5.63%	1.750	6.88%	360 months
Rate History No change since Sep 30, 2026 · 6.88% APR · checked 2 times Details Additional APR listed for this product: 6.903%. payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
5-Year Jumbo ARM	5.88%	0.750	6.88%	360 months
Rate History No change since Sep 30, 2026 · 6.88% APR · checked 2 times Details Additional APR listed for this product: 6.906%. payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15 Year Fixed Rate	6.75%	0.505	6.95%	180 months
Rate History No change since Sep 30, 2026 · 6.95% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15 Year Fixed Rate	6.63%	1.341	6.96%	180 months
Rate History No change since Sep 30, 2026 · 6.96% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10 Year Fixed Rate	6.75%	0.558	7.04%	120 months
Rate History No change since Sep 30, 2026 · 7.04% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10 Year Fixed Rate	6.63%	1.344	7.09%	120 months
Rate History No change since Sep 30, 2026 · 7.09% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15 Year Fixed Rate	7.00%	-0.141	7.10%	180 months
Rate History No change since Sep 30, 2026 · 7.10% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year Fixed Rate	6.88%	2.035	7.13%	360 months
Rate History No change since Sep 30, 2026 · 7.13% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year Fixed Rate Mortgage	7.00%	1.560	7.23%	360 months
Rate History No change since Sep 30, 2026 · 7.23% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10 Year Fixed Rate	7.13%	-0.218	7.24%	120 months
Rate History No change since Sep 30, 2026 · 7.24% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year Fixed Rate Mortgage	7.13%	2.029	7.41%	360 months
Rate History No change since Sep 30, 2026 · 7.41% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
20 Year Fixed Rate	7.13%	1.617	7.42%	240 months
Rate History No change since Sep 30, 2026 · 7.42% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
20 Year Fixed Rate	7.25%	0.692	7.43%	240 months
Rate History No change since Sep 30, 2026 · 7.43% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year Fixed Rate	7.25%	1.197	7.44%	360 months
Rate History No change since Sep 30, 2026 · 7.44% APR · checked 2 times Details Additional APR listed for this product: 7.491%. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15 Year Fixed Rate	7.38%	-0.265	7.45%	180 months
Rate History No change since Sep 30, 2026 · 7.45% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
10 Year Fixed Rate	7.38%	-0.175	7.51%	120 months
Rate History No change since Sep 30, 2026 · 7.51% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
20 Year Fixed Rate	7.50%	-0.168	7.57%	240 months
Rate History No change since Sep 30, 2026 · 7.57% APR · checked 2 times Details Additional APR listed for this product: 7.632%. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year Fixed Rate	7.50%	0.432	7.61%	360 months
Rate History No change since Sep 30, 2026 · 7.61% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year Fixed Rate	7.63%	0.495	7.75%	360 months
Rate History No change since Sep 30, 2026 · 7.75% APR · checked 2 times No additional details. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year Fixed Rate	7.50%	2.771	7.85%	360 months
Rate History No change since Sep 30, 2026 · 7.85% APR · checked 2 times Details payment example Last Updated 10/01/2026 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%
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 Details As low as Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	-	-	7.75%
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 Details As low as Last Updated 10/01/2026 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
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 Details As Low As Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Car or Light Truck Loan	-	-	4.69%	up to 66 months
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 Details As Low As Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Car or Light Truck Loan	-	-	5.09%	up to 72 months
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 Details As Low As Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Car or Light Truck Loan	-	-	5.34%	up to 78 months
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 Details As Low As Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Car or Light Truck Loan	-	-	6.09%	up to 84 months
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 Details As Low As Last Updated 10/01/2026 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	Term
Watercraft Loan	-	6.49%	48 month
Rate History 1 change since Sep 30, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 1, 20266.49%▲ from 6.24% Sep 30, 20266.24%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Recreational Vehicle Loan	-	6.99%	48 month
Rate History 1 change since Sep 30, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 1, 20266.99%▲ from 6.74% Sep 30, 20266.74%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.99% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Watercraft Loan	-	6.99%	66 month
Rate History 1 change since Sep 30, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 1, 20266.99%▲ from 6.74% Sep 30, 20266.74%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Watercraft Loan	-	7.24%	72 month
Rate History 1 change since Sep 30, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 1, 20267.24%▲ from 6.99% Sep 30, 20266.99%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Motorcycle Loan	-	7.49%	48 month
Rate History 1 change since Sep 30, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 1, 20267.49%▲ from 7.24% Sep 30, 20267.24%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 7.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Recreational Vehicle Loan	-	7.49%	66 month
Rate History 1 change since Sep 30, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 1, 20267.49%▲ from 7.24% Sep 30, 20267.24%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.99% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Watercraft Loan	-	7.49%	78 month
Rate History 1 change since Sep 30, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 1, 20267.49%▲ from 7.24% Sep 30, 20267.24%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Motorcycle Loan	-	7.99%	66 month
Rate History 1 change since Sep 30, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 1, 20267.99%▲ from 7.74% Sep 30, 20267.74%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 7.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Recreational Vehicle Loan	-	7.99%	78 month
Rate History 1 change since Sep 30, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 1, 20267.99%▲ from 7.74% Sep 30, 20267.74%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.99% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Motorcycle Loan	-	8.49%	78 month
Rate History 1 change since Sep 30, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 1, 20268.49%▲ from 8.24% Sep 30, 20268.24%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 7.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Watercraft Loan	-	8.74%	84 month
Rate History 1 change since Sep 30, 2026 · 8.49% → 8.74% ▲ 0.25 pts · high 8.74% / low 8.49% Oct 1, 20268.74%▲ from 8.49% Sep 30, 20268.49%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Recreational Vehicle Loan	-	9.24%	84 month
Rate History 1 change since Sep 30, 2026 · 8.99% → 9.24% ▲ 0.25 pts · high 9.24% / low 8.99% Oct 1, 20269.24%▲ from 8.99% Sep 30, 20268.99%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 6.99% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Motorcycle Loan	-	9.74%	84 month
Rate History 1 change since Sep 30, 2026 · 9.49% → 9.74% ▲ 0.25 pts · high 9.74% / low 9.49% Oct 1, 20269.74%▲ from 9.49% Sep 30, 20269.49%first recorded Details Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 7.49% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts. Last Updated 10/01/2026 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%
Rate History No change since Oct 1, 2026 · 7.24% APR Details As low as Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Personal Line of Credit	8.50%
Rate History No change since Sep 30, 2026 · 8.50% APR · checked 2 times Details As low as Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Express Personal Loan	28.00%	12 month
Rate History No change since Sep 30, 2026 · 28.00% APR · checked 2 times Details For loan amounts between $100 and $2,000, you will be directed to the Express Personal Loan with an APR of 28.00% , subject to credit approval. Repay an Express Personal Loan in a minimum of 1 month to a maximum of 12 months. No more than one VACU Express Personal Loan is allowed to be open at a time, and Express Personal Loans cannot be refinanced to other VACU loans. No application fee. Payment example: Based on a $1,500 loan with a monthly payment of $144.76 at 28.00% APR with a 12 month term. This example is an estimate only and assumes all payments are made on time. Last Updated 10/01/2026 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%	2.279	7.42%	180 months
Rate History No change since Sep 30, 2026 · 7.42% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
15 Year No Closing Cost Refinance Fixed Rate	7.38%	1.655	7.70%	180 months
Rate History No change since Sep 30, 2026 · 7.70% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year No Closing Cost Refinance Fixed Rate	8.00%	1.550	8.20%	360 months
Rate History No change since Sep 30, 2026 · 8.20% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year No Closing Cost Refinance Fixed Rate	8.38%	0.717	8.49%	360 months
Rate History No change since Sep 30, 2026 · 8.49% APR · checked 2 times Details payment example Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year USDA-Rural Development Fixed Rate	7.13%	1.724	7.38%	360 months
Rate History No change since Sep 30, 2026 · 7.38% APR · checked 2 times Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
30 Year USDA-Rural Development Fixed Rate	7.00%	1.105	7.19%	360 months
Rate History No change since Sep 30, 2026 · 7.19% APR · checked 2 times Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Purchase Loan	-	-	6.95%
Rate History No change since Sep 30, 2026 · 6.95% APR · checked 2 times Details As Low As Last Updated 10/01/2026 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.
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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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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Virginia Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Virginia Credit Union

Frequently Asked Questions About Virginia Credit Union

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

12-Month CD3.85%
18-Month CD2.50%
24-Month CD3.40%
60-Month CD3.75%
Savings0.05%
MMA0.05%

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

Overall Health & Safety Grade

MonitorBankRates Star Rating

Virginia Credit Union Texas Ratio

Virginia Credit Union Health Trend

Virginia Credit Union CD Rates

Virginia Credit Union Savings Rates

Virginia Credit Union Money Market Rates

Virginia Credit Union Checking Rates

Virginia Credit Union Mortgage Rates

Virginia Credit Union Home Equity & HELOC

Virginia Credit Union Auto Loan Rates

Virginia Credit Union RV, Boat and Powersport Loan Rates

Virginia Credit Union Personal Loan Rates

Virginia Credit Union Other Rates

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

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?

Current Virginia Credit Union Rates

Compare to Other Credit Unions