What are the current interest rates at VIRGINIA STATE UNIVERSITY?

Current rates for VIRGINIA STATE UNIVERSITY include: 12-Month CD: 1.26%, 24-Month CD: 1.76%, Savings: 0.05%

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VIRGINIA STATE UNIVERSITY

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VIRGINIA STATE UNIVERSITY Rates & Review September 2026

Q: Is a member application needed to join VIRGINIA STATE UNIVERSITY?

Yes, to access services at VIRGINIA STATE UNIVERSITY, 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, VIRGINIA STATE UNIVERSITY 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: September 22, 2026

VIRGINIA STATE UNIVERSITY's 36 Month CD rates are at 2.02%, 24 Month CD rates are at 1.76%, 12 Month CD rates are at 1.26%. VIRGINIA STATE UNIVERSITY's savings rates are at 0.05%. VIRGINIA STATE UNIVERSITY's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of VIRGINIA STATE UNIVERSITY with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.33%. Rates last updated and verified on 09/22/2026.

VIRGINIA STATE UNIVERSITY 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 STATE UNIVERSITY? Share your experience about VIRGINIA STATE UNIVERSITY by leaving a review below, or read customer reviews before you decide to use VIRGINIA STATE UNIVERSITY.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.33%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

VIRGINIA STATE UNIVERSITY
VSU Federal Credit Union

3401 Boisseau St
South Chesterfield, VA 23803-2021

http://www.vsufcu.org

VIRGINIA STATE UNIVERSITY CD Rates

Product	Rate	APY	Term
36 Month Share Certificate	2.00%	2.02%	36 Months
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
24 Month Share Certificate	1.75%	1.76%	24 Months
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
12 Month Share Certificate	1.25%	1.26%	12 Months
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%

VIRGINIA STATE UNIVERSITY Savings Rates

Product	Rate	APY	View More
Share Savings	0.05%	0.05%
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%

VIRGINIA STATE UNIVERSITY Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.49%
Details As Low As; Rates are subject to change without notice. Existing VSU Federal Credit Union auto loans are ineligible. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
New Vehicles & Motorcycles Loan	-	-	4.49%	Up to 84 Months
Details Published APR range: 4.49% - 12.49%. Model Year 2021-2025 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
Older Used Vehicles & Motorcycles Loan	-	-	6.49%	Up to 72 Months
Details Published APR range: 6.49% - 13.49%. Model Year 2015-2020 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
Vehicle Non-Purchase Loan	-	-	6.49%	Up to 60 Months
Details Published APR range: 6.49% - 13.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%

VIRGINIA STATE UNIVERSITY Personal Loan Rates

Product	APR	Term	View More
Signature (Unsecured) Loan	9.99%	Up to 60 Months
Details Published APR range: 9.99% - 17.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%

VIRGINIA STATE UNIVERSITY Other Rates

Product	Rate	Points	APY/APR	Term	View More
Individual Retirement Accounts (IRA)	0.45%	-	0.45%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%

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 STATE UNIVERSITY’s Texas Ratio stayed near 11.30% in Q2 2023 to 11.33% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 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
March 31, 2026	$14M	11.33%	5.0	A
December 31, 2025	$13M	10.93%	5.0	A
September 30, 2025	$13M	4.98%	5.0	A+
June 30, 2025	$13M	6.63%	5.0	A
March 31, 2025	$13M	17.08%	4.8	B+
December 31, 2024	$12M	18.76%	4.7	B+
September 30, 2024	$13M	14.10%	5.0	A-
June 30, 2024	$13M	13.64%	5.0	A
March 31, 2024	$13M	10.00%	5.0	A
December 31, 2023	$12M	8.74%	5.0	A
September 30, 2023	$13M	15.05%	5.0	A-
June 30, 2023	$12M	11.30%	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 STATE UNIVERSITY 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 STATE UNIVERSITY 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 STATE UNIVERSITY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name VIRGINIA STATE UNIVERSITY

Website http://www.vsufcu.org

Address 3401 Boisseau St, South Chesterfield, VA 23803-2021

Phone 804-526-6708

Fax 804-526-0834

President Regina Barnett Tyler

CEO Katrina Hayes-Peerman

Full-Time Employees 5

Part-Time Employees 2

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.33%

Return on Assets (ROA)

-0.0412%

Return on Equity (ROE)

-0.4899%

Non-Performing Loans Ratio (NPL)

1.87%

Total Assets

13,576,098

Total Amount of Shares and Deposits

12,338,043

Total Shares and Deposits < 1 Year

12,320,823

Total Shares and Deposits 1 3 Years

17,220

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

314,081

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

314,081

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

12,023,962

Total Interest Expense (Sum of items 6 8)

1,289

Share Certificates

Number of Accounts for Share Drafts

1,361

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,204

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)

1,267,124

Total Liabilities

12,433,265

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

VIRGINIA STATE UNIVERSITY earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About VIRGINIA STATE UNIVERSITY

How many branches does VIRGINIA STATE UNIVERSITY operate?

VIRGINIA STATE UNIVERSITY 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 STATE UNIVERSITY?

Yes, to access services at VIRGINIA STATE UNIVERSITY, 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 STATE UNIVERSITY 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 STATE UNIVERSITY provides members with tools to manage their accounts and build a solid financial history.

Does VIRGINIA STATE UNIVERSITY offer online and mobile banking?

Most modern institutions like VIRGINIA STATE UNIVERSITY 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: http://www.vsufcu.org.