Credit union · NCUA insured
Virginia Credit Union
Top CarrotA $7.4B credit union, the 51st largest of 4,329, headquartered in North Chesterfield, VA, with 494,625 members and 39 branches in Virginia. Best rates: CDs 4.05% and savings 1.25% APY.
Virginia Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#7 of 34 in Richmond, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Virginia Credit Union
Originally chartered in 1928 as State Employees' Credit Union Inc., Virginia Credit Union was organized to invest members' savings and provide loans for provident purposes.
As a member-owned financial cooperative, Virginia Credit Union operates 39 branches across Virginia.
- Headquarters
- 7500 Boulder View Dr, North Chesterfield, VA 23225-4046
- NCUA charter
- 24962
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone unable to join through other paths can join through the American Consumer Council (ACC), with VACU handling enrollment and paying the lifetime membership fee.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in designated Virginia cities, counties, and towns are eligible for membership.
Employers and groups
- Employees, retirees, or enrolled full-time/part-time students at Virginia Union University, Randolph-Macon College, Liberty University, or University of Richmond are eligible for membership.
Military, government and schools
- Employees, retirees, or enrolled full-time/part-time students at any Virginia state-funded college or university are eligible for membership.
- Employees and retirees of any Commonwealth of Virginia state agency/department or any county, city, town, or other political subdivision in Virginia are eligible for membership.
Family and household
- Immediate family (parents, spouses, children, siblings, grandparents, grandchildren) and household members of eligible members qualify regardless of where they live.
Cost to join
- Membership requires paying a $5 member share.
Branches
39 branches in Virginia
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Virginia
39 branches
Richmond area · 18
- Chester Branch13025 Route 1, Chester, VA 23831Directions
- Courthouse Branch6737 Public Safety Way, Chesterfield, VA 23832Directions
- Hancock Village Branch14520 Hancock Village St, Chesterfield, VA 23832Directions
- Southpark Branch301 Temple Lake Dr, Colonial Heights, VA 23834Directions
- Virginia Center Commons Branch10165 Brook Rd, Glen Allen, VA 23059Directions
- East End Branch5285 S Laburnum Ave, Henrico, VA 23231Directions
- West Broad Branch9498 W Broad St, Henrico, VA 23294Directions
- Hanover BranchCreighton Crossing Shopping Center, 6103 Brashier Blvd, Mechanicsville, VA 23111Directions
- Genito Branch11030 Hull Street Rd, Midlothian, VA 23112Directions
- Winterfield Branch14351 Winterview Pkwy, Midlothian, VA 23113Directions
- Waterford13505 Tredegar Lake Pkwy, Midlothian, VA 23112Directions
- Koger Center Branch1200 Koger Center Blvd, North Chesterfield, VA 23235Directions
- Carytown Branch10 N Nansemond St Ste 6, Richmond, VA 23221Directions
- Church Hill Branch2420 Fairmount Ave, Richmond, VA 23223Directions
- Glenside Branch5427 Glenside Dr, Richmond, VA 23228Directions
- North Adams27 W Broad St Ste 1, Richmond, VA 23220Directions
- Shockoe Slip1204 E Cary St, Richmond, VA 23219Directions
- Short Pump Branch4001 Lauderdale Dr, Richmond, VA 23233Directions
Roanoke area · 11
- Daleville Town Center Branch32 Charter Ave, Daleville, VA 24083Directions
- Westlake Branch12975 Booker T Washington Hwy, Hardy, VA 24101Directions
- Forest Branch16955 Forest Rd Ste A, Roanoke, VA 24024Directions
- Hershberger Branch1611 Hershberger Rd NW, Roanoke, VA 24012Directions
- Main625 Williamson Rd. NE, Roanoke, VA 24016Directions
- Orange Ave Branch1445 Mexico Way NE, Roanoke, VA 24012Directions
- South Roanoke Branch2926 Franklin Rd SW, Roanoke, VA 24014Directions
- Southwest Branch2310 Electric Rd, Roanoke, VA 24018Directions
- Rocky Mount Branch40 Member One Way, Rocky Mount, VA 24151Directions
- Salem Branch1436 W Main St, Salem, VA 24153Directions
- Vinton Branch1056 Dogwood Boulevard, Vinton, VA 24179Directions
Blacksburg area · 3
- Blacksburg Branch200 N Main St, Blacksburg, VA 24060Directions
- Christiansburg Branch105 Oaktree Blvd, Christiansburg, VA 24073Directions
- Radford Branch6103 Fulk Dr Ste C, Fairlawn, VA 24141Directions
Washington area · 3
- Chancellors Crossing Branch5922 Plank Rd, Fredericksburg, VA 22407Directions
- Cosner East Branch4531 Spotsylvania Pkwy, Fredericksburg, VA 22408Directions
- Fredericksburg Branch2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401Directions
Lynchburg area · 2
- Lakeside Crossing Branch3901 Old Forest Rd, Lynchburg, VA 24501Directions
- Lynchburg Branch7114 Timberlake Rd, Lynchburg, VA 24502Directions
Charlottesville area · 1
- Seminole Square Branch120 Seminole Ct, Charlottesville, VA 22901Directions
Farmville area · 1
- Farmville Branch100 Midtown Ave, Farmville, VA 23901Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.90% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.05% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.38% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $83 | $88 | — |
- CapitalNet worth ratio10.90%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.05%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.38%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$83Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Virginia Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.