Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Virginia Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: August 28, 2026
Virginia Credit Union's 12 month CD rates are at 3.95%, 12 month IRA rates are at 3.95%, 12 month CD rates are at 3.85%, 12 month IRA rates are at 3.85%, 60 month CD rates are at 3.80%. Virginia Credit Union's savings rates are at 0.05%. Virginia Credit Union's money market rates are at 0.05%. Virginia Credit Union's 15yr Jumbo Fixed Rate Conventional rates are at 5.62%, 15yr Jumbo Fixed Rate Conventional rates are at 5.62%, 15yr Jumbo Fixed Rate Conventional rates are at 6.00%, 15 Year Fixed Rate rates are at 5.88%, 30yr Jumbo Fixed Rate Mortgage rates are at 6.00%. Virginia Credit Union's Personal Loan Rates are at 6.99%. 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 6.07%. Rates last updated and verified on 08/28/2026.
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.
Overall Health & Safety Grade
?
A
Excellent HealthScore: 97/100
Overall Health & Safety Grade
Virginia Credit Union has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Virginia Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
6.07%
ExcellentLower than avg
Virginia Credit Union Texas Ratio
Virginia Credit Union's Texas Ratio is 6.07%, which is considered excellent and is lower than the national average of 6.13%.
Virginia Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Virginia Credit Union BOULDERS
7500 Boulder View Dr North Chesterfield, VA 23225 4046
DetailsUp to 1.25% APY for Premium and 2.60% APY for Premium Plus
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Money Market Savings - Premium Plus
-
2.60%
Min Balance$25,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Health Savings Account
1.24%
1.25%
Min Deposit$5
Min Balance$100
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Money Market Savings - Premium
-
1.25%
Min Balance$10,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Regular Savings
0.40%
0.40%
Min Deposit$5
Min Balance$500
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Regular Savings
0.05%
0.05%
Min Deposit$5
Min Balance$100
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Virginia Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Savings
-
2.60%
DetailsUp to 1.25% APY for Premium and 2.60% APY for Premium Plus
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Money Market Savings - Premium Plus
-
2.60%
Min Balance$25,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Premium Plus Money Market
2.57%
2.60%
Min Deposit$25,000
Min Balance$250,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Premium Plus Money Market
2.23%
2.25%
Min Deposit$25,000
Min Balance$100,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Premium Plus Money Market
1.98%
2.00%
Min Deposit$25,000
Min Balance$50,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Premium Plus Money Market
1.74%
1.75%
Min Deposit$25,000
Min Balance$25,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Commercial Money Market
1.48%
1.50%
Min Deposit$100
Min Balance$250,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Commercial Money Market
1.34%
1.35%
Min Deposit$100
Min Balance$100,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Money Market Savings - Premium
-
1.25%
Min Balance$10,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Premium Money Market
1.24%
1.25%
Min Deposit$10,000
Min Balance$10,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Commercial Money Market
1.19%
1.20%
Min Deposit$100
Min Balance$50,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Commercial Money Market
1.04%
1.05%
Min Deposit$100
Min Balance$25,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Business Money Market
0.79%
0.80%
Min Deposit$100
Min Balance$10,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Business Money Market
0.39%
0.40%
Min Deposit$100
Min Balance$1,500
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Business Money Market
0.05%
0.05%
Min Deposit$100
Min Balance$100
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Commercial Money Market
0.05%
0.05%
Min Deposit$100
Min Balance$100
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Premium Money Market
0.05%
0.05%
Min Deposit$10,000
Min Balance$100
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Premium Plus Money Market
0.05%
0.05%
Min Deposit$25,000
Min Balance$100
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Virginia Credit Union Checking Rates
Product
Rate
APY
View More
Checking Plus
0.25%
0.25%
Min Deposit$20
Min Balance$5,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Enhanced Benefit Checking
0.25%
0.25%
Min Deposit$20
Min Balance$5,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Extra Credit Checking
-
0.25%
Min Balance$20
DetailsRate effective as of 08/26/2026. With minimum $5,000 balance. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Extra Credit Checking (ages 13-22)
0.25%
0.25%
Min Deposit$20
Min Balance$5,000
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Checking Plus
0.05%
0.05%
Min Deposit$20
Min Balance$1
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Enhanced Benefit Checking
0.05%
0.05%
Min Deposit$20
Min Balance$1
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Extra Credit Checking (ages 13-22)
0.05%
0.05%
Min Deposit$20
Min Balance$1
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Virginia Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
15yr Jumbo Fixed Rate Conventional
5.63%
1.125
5.86%
180
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
15yr Jumbo Fixed Rate Conventional
5.63%
2.000
6.00%
180
DetailsPoints are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don't want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer .
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
15yr Jumbo Fixed Rate Conventional
6.00%
0.000
6.06%
180
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
15 Year Fixed Rate
5.88%
0.632
6.08%
180
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30yr Jumbo Fixed Rate Mortgage
6.00%
0.875
6.12%
360
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10 Year Fixed Rate
5.88%
0.569
6.15%
120
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
15 Year Fixed Rate
5.88%
1.132
6.16%
180
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10-Year ARM
5.88%
-0.125
6.18%
360
Detailspayment example
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10-Year ARM
5.63%
1.750
6.19%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
15yr Jumbo Fixed Rate Conventional
6.00%
0.875
6.20%
180
DetailsPoints are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don't want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer .
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30 Year Fixed Rate
6.00%
1.680
6.20%
360 months
Detailspayment example
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30yr Jumbo Fixed Rate Mortgage
6.00%
1.750
6.20%
360
DetailsPoints are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don't want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer .
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
7-Year ARM
5.50%
1.625
6.26%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30yr Jumbo Fixed Rate Mortgage
6.25%
-0.250
6.27%
360
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10 Year Fixed Rate
5.88%
1.069
6.27%
120
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10-Year ARM
5.88%
0.875
6.27%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
5-Year ARM
5.50%
0.500
6.29%
360
Detailspayment example
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
7-Year ARM
5.75%
0.625
6.29%
360
Detailspayment example
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10-Year ARM
6.13%
-0.875
6.30%
360
Detailspayment example
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
15 Year Fixed Rate
6.25%
-0.306
6.31%
180
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10 Year Fixed Rate
6.25%
-0.418
6.31%
120
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
7-Year ARM
5.75%
0.875
6.32%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
5-Year ARM
5.75%
-0.125
6.32%
360
Detailspayment example
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10-Year Jumbo ARM
5.63%
1.625
6.33%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
5-Year ARM
5.25%
2.000
6.33%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
5-Year ARM
5.50%
1.125
6.34%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30yr Jumbo Fixed Rate Mortgage
6.25%
0.625
6.35%
360
DetailsPoints are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don't want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer .
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
7-Year ARM
6.00%
-0.125
6.35%
360
Detailspayment example
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10-Year Jumbo ARM
5.63%
1.875
6.35%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10-Year Jumbo ARM
5.88%
0.375
6.37%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10-Year Jumbo ARM
5.88%
0.625
6.40%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
10 Year Fixed Rate
6.25%
0.082
6.43%
120
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
7-Year Jumbo ARM
5.38%
1.750
6.43%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30 Year Fixed Rate Mortgage
6.25%
1.297
6.44%
360
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
7-Year Jumbo ARM
5.38%
2.000
6.45%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
7-Year Jumbo ARM
5.63%
0.750
6.46%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
15 Year Fixed Rate
6.38%
-0.103
6.47%
180
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
7-Year Jumbo ARM
5.63%
1.000
6.48%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
20 Year Fixed Rate
6.38%
0.533
6.52%
240
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
20 Year Fixed Rate
6.25%
1.539
6.52%
240
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
5-Year Jumbo ARM
5.13%
1.875
6.55%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
5-Year Jumbo ARM
5.50%
0.500
6.56%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
5-Year Jumbo ARM
5.13%
2.125
6.57%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
20 Year Fixed Rate
6.50%
0.056
6.59%
240
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
5-Year Jumbo ARM
5.50%
0.750
6.59%
360 months
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
20 Year Fixed Rate
6.50%
0.556
6.65%
240
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30 Year Fixed Rate
6.50%
1.119
6.67%
360
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30 Year FHA Fixed Rate
6.63%
-0.250
6.67%
360
DetailsPoints are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don't want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer .
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30 Year Fixed Rate
6.50%
1.619
6.72%
360
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30 Year FHA Fixed Rate
6.75%
-0.750
6.75%
360
DetailsPoints are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don't want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer .
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30 Year Fixed Rate
6.75%
0.185
6.83%
360
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30 Year Fixed Rate
6.75%
0.685
6.88%
360
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30 Year Fixed Rate
6.75%
0.879
6.89%
360 months
Detailspayment example
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
30 Year Fixed Rate Mortgage
6.88%
0.251
6.97%
360
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Virginia Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
-
-
6.75%
DetailsAs Low As
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Home Equity Loan
-
-
7.50%
DetailsAs Low As
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Virginia Credit Union Credit Card Rates
Product
Rate
APR
View More
Essential Mastercard®
-
12.49%
DetailsNo Annual Fee
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Cash Rewards Mastercard®
-
14.49%
DetailsNo Annual Fee
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Flex Rewards Mastercard®
-
16.49%
DetailsNo Annual Fee
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Virginia Credit Union Personal Loan Rates
Product
Rate
APR
View More
Personal Loan
-
6.99%
DetailsAs Low As
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Personal Line of Credit
-
8.50%
DetailsAs Low As
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
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.
Address
7500 Boulder View Dr,
North Chesterfield, VA 23225 4046
Phone804-323-6000
Fax
PresidentKenneth Ampy
CEOChristopher Shockley
Full-Time Employees749
Part-Time Employees24
Branch Locations21
ATM Locations21
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
6.07%
Return on Assets (ROA)
0.0939%
Return on Equity (ROE)
0.8855%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
5,283,300,793
Total Amount of Shares and Deposits
4,508,018,556
Total Shares and Deposits < 1 Year
4,157,655,661
Total Shares and Deposits 1 3 Years
181,292,452
Total Shares and Deposits > 3 Years
169,070,443
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
187,657,210
Total Uninsured Shares and Deposits > $250K (F+J)
187,657,210
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,320,361,346
Total Interest Expense (Sum of items 6 8)
27,310,789
Share Certificates
21,456
Number of Accounts for Share Drafts
217,944
IRA KEOGH Accounts
7,987
Number of Accounts for Regular Shares
188,404
All other shares
1,040
Money Market Shares
30,874
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)
-2,226,228
Total Liabilities
4,887,560,704
Source: NCUA — Last Updated 03/31/2024
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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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 CD3.75%
18-Month CD2.50%
24-Month CD3.25%
60-Month CD3.60%
Savings0.05%
MMA0.05%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
