Credit union · NCUA insured
VECU Credit Union
A $76.9M credit union headquartered in Newport News, VA, with 3,654 members and 2 branches in Virginia. Best rates: CDs 1.86% APY.
VECU Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#18 of 35 in Virginia Beach, VA-NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About VECU Credit Union
Virginia Educators Credit Union is a not-for-profit financial institution serving Newport News, Williamsburg, and the counties of James City, York, Isle of Wight, Gloucester, and Mathews in Virginia.
The credit union has been exclusively serving teachers, students, PTA members, alumni, and their families for over 60 years.
- Headquarters
- 12626 Nettles Dr, Newport News, VA 23606
- NCUA charter
- 66700
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals engaged in or members of a school auxiliary and/or activity service (such as a PTA) within VECU's field of membership are eligible to join.
Military, government and schools
- Alumni of a college or university in Newport News or Williamsburg are eligible to join.
- Persons engaged in educational services at a school within VECU's field of membership are eligible to join.
- Hampton University employees, faculty members, students, or alumni are eligible to join.
- Retired educators currently residing in one of the localities included in VECU's field of membership are eligible to join.
- Employees of an educational organization or public/private school system within VECU's field of membership are eligible to join.
5 more ways to join
Military, government and schools
- Retirees of a school system within VECU's field of membership are eligible to join.
- Students in localities within VECU's field of membership are eligible to join.
- Students attending Thomas Nelson Community College are eligible to join.
Family and household
- Family members related by blood, marriage, or by law to a current VECU member are eligible to join.
- Un-remarried spouses of deceased VECU members are eligible to join.
Cost to join
- PTA membership can start as low as $5.00 per year.
Branches
2 branches in Virginia
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Virginia
2 branches
- Nettles OfficeMain office12626 Nettles Dr, Newport News, VA 23606Directions
- Main Street Office812 Main St, Newport News, VA 23605Directions
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 | 24.16% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.43% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.94% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $13 | $59 | — |
- CapitalNet worth ratio24.16%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.43%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.94%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$13Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 VECU Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.