Credit union · NCUA insured
VECU Credit Union Credit Card Rates
VECU Credit Union credit cards start at 7.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How VECU Credit Union’s credit card rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where VECU Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
VECU Credit Union
7.99%APR
- Up to
- —
Visa Platinum Credit Card
Lowest rate
Hampton Roads Educators' Credit Union
6.90%APR
- Up to
- 16.90% APR
3rd-lowest rate
Baylands Family Credit Union
8.90%APR
- Up to
- —
VECU Credit Union credit card score
93
Credit card score
Higher than 94% of U.S. banks and credit unions
- Purchase APRPurchase APR7.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where VECU Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Credit Card
Non-variable rate. 25-day grace period for purchases. No annual percentage rate increase penalties.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99% | None | Credit limits from $200.00 to $4,999.99. Non-variable rate. No balance transfer fee, no cash advance fee. |
| Ongoing | 7.99% | None | Credit limits from $5,000.00 to $20,000.00. Non-variable rate. No balance transfer fee, no cash advance fee. |
Sources (2)
All captured Oct 7, 2026
Who can join VECU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.