Credit union · NCUA insured
Homebase Credit Union
A $295M credit union headquartered in Prince George, VA, with 16,140 members and 3 branches in Virginia. Best rates: CDs 4.02% and savings 0.25% APY.
Homebase Credit Union Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#14 of 34 in Richmond, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Homebase Credit Union
Homebase Credit Union operates three local branches in Virginia and serves communities across eighteen counties and independent cities including Chesterfield, Henrico, and Richmond.
- Headquarters
- 4495 Crossings Blvd, Prince George, VA 23875
- NCUA charter
- 7722
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, worships, works (or regularly conducts business in), or attends school in designated Virginia counties and cities.
Employers and groups
- Companies and other legal entities in the eligible counties can join.
Military, government and schools
- Employees of the credit union are eligible to join.
Family and household
- Spouses of persons who died while within the credit union's field of membership are eligible to join.
- Immediate family relations of current members are eligible to join.
Other ways
- Organizations within the eligible localities can join.
1 more way to join
Other ways
- Volunteers within the eligible localities can join.
Cost to join
- New membership requires a $25 savings deposit that is refundable upon account closing.
- New membership requires a $1 non-refundable membership fee.
Branches
3 branches in Virginia
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Virginia
3 branches
- Main OfficeMain office4495 Crossings Blvd, Prince George, VA 23875Directions
- Chester Branch13200 Bermuda Orchard Lane, Chester, VA 23836Directions
- Branch Office3510 Adams Avenue, Fort Gregg-Adams, VA 23801Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.87% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.96% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.15% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $55 | $76 | — |
- CapitalNet worth ratio10.87%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.96%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.15%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$55Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Homebase Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.