Credit union · NCUA insured
Virginia State University Federal Credit Union
A $13.6M credit union headquartered in South Chesterfield, VA, with 1,891 members and 1 branch in Virginia. Best rates: CDs 2.02% and savings 0.05% APY.
Virginia State University Federal Credit Union Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#26 of 34 in Richmond, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Virginia State University Federal Credit Union
Founded in 1939 as Virginia State College Federal Credit Union, Virginia State University Federal Credit Union is based in South Chesterfield, Virginia.
Originally established to serve college teachers and employees, the credit union officially adopted its current name in 1979 after expanding its membership.
- Headquarters
- 3401 Boisseau St, South Chesterfield, VA 23803-2021
- NCUA charter
- 3029
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Virginia State University faculty, staff, contract employees, alumni, and students are eligible for membership.
- Employees of the Petersburg Public Schools & Chesterfield County Schools are eligible for membership.
Cost to join
- A $2 membership fee is required when applying for membership.
- A $5 minimum deposit to a share (savings) account is required upon applying for membership (as part of the $7 total minimum payment).
Branches
1 branch in Virginia
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Virginia
1 branch
- VSU Federal Credit UnionMain office3401 Boisseau St, South Chesterfield, VA 23803Directions
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 | 9.16% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.93% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.64% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $67 | $59 | — |
- CapitalNet worth ratio9.16%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.93%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.64%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$67Peers’ 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 Virginia State University Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.