Virginia Coop Credit Union VA | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Virginia Coop, where your financial journey begins! Located at 811 4Th St N, Virginia, MN 55792, our credit union has proudly served the community since 1937. With a commitment to fostering financial well-being, we currently support 2,897 members who trust us with their savings and loans. At Virginia Coop, we believe in empowering our members through accessible banking solutions. Our total assets amount to an impressive $41,333,274, and we have facilitated over 71,133 loans and leases to help our members achieve their dreams. With total deposits reaching $1,853,374, we ensure that your money is not just safe but also working for you. Our dedicated team of seven employees, led by CEO Donald Rausch and Board President Robert Henderson, is always here to provide personalized service and expert guidance. Whether you need assistance with personal banking, auto loans, or mortgages, we are committed to being your trusted partner every step of the way. If you need to send official correspondence, please note that it can be directed to the same address as our branch: 811 4th St N, Virginia, MN 55792. You can reach us easily at (218) 741-5644 during our lobby hours from 8:30 AM to 5:00 PM Monday through Thursday and until 5:30 PM on Friday. Join us today and discover how Virginia Coop can help you secure a brighter financial future. Visit our website at vccu.org or stop by our branch we're excited to assist you!

Branch History & Mission

Join Us Today

With total assets exceeding $41 million, we are well-equipped to help you navigate your financial journey. If you're not already part of our family, we invite you to explore what makes Virginia Coop special. Experience firsthand how we combine personal service with innovative solutions designed for your unique needs. Contact us today at (218) 741-5644 or visit us online at Virginia Coop to learn more about becoming a member or taking advantage of our wide range of services. Together, let's build a brighter financial future!

Modern Banking Solutions

As technology evolves, so do we. With online banking options available alongside traditional services like drive-thru banking and ATM access, we ensure that convenience meets security for all our members. We prioritize accessibility and ADA compliance to create an inclusive environment for everyone who walks through our doors. While members can visit us at 811 4Th St N Virginia Mn 55792, official correspondence should be sent to 811 4th St N, Virginia, MN 55792 if different from our branch address.

Our Legacy

The Virginia Coop was established during a time when many families were seeking reliable financial services tailored to their needs. Over the decades, we have witnessed significant changes and challenges in the financial landscape. Yet, through it all, our mission has remained steadfast: to provide our members with affordable financial solutions while nurturing a strong sense of community. Located at 811 4th St N, Virginia, MN 55792, our branch is easily accessible for those who seek personalized service. Our close-knit team is dedicated to ensuring that every member feels valued and supported. We understand that banking goes beyond transactions; it's about building relationships and trust.

Our Mission

At Virginia Coop, we are driven by the belief that everyone deserves access to quality financial services. Our mission is simple yet profound: to empower our members by providing them with the tools they need for financial success. Whether you are looking for checking and savings accounts, auto loans, or mortgage refinancing options, we strive to meet your needs with integrity and transparency. We also recognize the importance of community involvement. Our efforts extend beyond banking as we actively participate in local outreach initiatives and partnerships aimed at enriching the lives of those around us. We take pride in being more than just a credit union; we are a community partner committed to making a positive impact.

Branch Location & Accessibility

Convenient Access

Our location is designed with you in mind. If you're coming to see us, you'll find plenty of parking available right outside the entrance. Plus, we are committed to ensuring everyone can access our services comfortably; our branch is ADA compliant and equipped with ramps for those who need them.

Get in Touch

Should you have any questions or require assistance, don't hesitate to reach out! You can call us at (218) 741-5644 for any inquiries or just drop by during our hours of operation. While members can visit us at 811 4Th St N Virginia Mn 55792, official correspondence should be sent to the same address as well. We look forward to welcoming you at Virginia Coop your trusted partner in financial success!

Operating Hours

We understand that life can get busy, which is why we offer flexible operating hours. You can visit us Monday through Thursday from 8:30 AM to 5:00 PM and on Fridays until 5:30 PM. Whether you're stopping by to deposit a check or discuss your financial needs, we're here for you!

Services Offered

At Virginia Coop, we provide a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need quick cash? Our ATM is available for withdrawals and balance checks right at the branch. For those who prefer convenience, our drive-thru service allows you to handle simple transactions without leaving your car.

Member Eligibility

At Virginia Coop, we believe that everyone deserves the opportunity to be part of a caring and supportive financial community. Becoming a member is straightforward! If you live, work, worship, or attend school in our local area, you're likely eligible to join us. We welcome individuals and families who are looking for a place where they can feel valued and supported in their financial journey. To get started with your membership at Virginia Coop, simply visit us at our branch located at 811 4Th St N Virginia Mn 55792 or give us a call at (218) 741-5644 for more information. You can also check out the detailed eligibility criteria on our website at https://vccu.org/switching-to-vccu-is-easy/ . Once you know you're eligible, opening an account is easy and can be done online through this link: https://mobicint.net/vco/autoenrollment . Join us today and experience the benefits of being part of our family!

Business Banking & Commercial Services

Business Loan Options

Imagine you're a small bakery owner in Virginia, MN. You've got a loyal customer base and dreams of expanding your menu and space. That's where our commercial loans come into play. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions.

Merchant Services

In addition to loans, we offer merchant services tailored for businesses like yours. Picture this: with our services, you can easily accept payments from customers using various methods, making transactions smooth and efficient. This convenience not only enhances customer satisfaction but also boosts your sales potential. With our focus on helping local businesses thrive, we are here to provide the financial tools and resources necessary for your success. Visit us at 811 4Th St N Virginia Mn 55792 or call us at (218) 741-5644 to learn more about how we can assist you today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATMs provide easy access to withdrawals and balance checks without hassle. With locations throughout the area, getting cash when you need it has never been easier.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options come with competitive rates to help you drive off in the vehicle you want. We understand that buying a car is a big decision, and we're here to guide you through the process with flexible terms that make sense for your budget.

Business Banking

For our business members, we offer comprehensive business banking services including merchant services and business loans. If you're an entrepreneur looking to grow your business or manage cash flow more effectively, we have tools and resources tailored just for you.

Credit Cards with Rewards

Maximize your spending power with our credit cards that offer rewards. Whether it's cash back on purchases or points toward travel, our cards provide great benefits that suit your spending habits while also helping you build credit.

Drive-Thru Banking

For quick transactions like deposits and withdrawals, take advantage of our basic drive-thru banking service. It's perfect for members on the go who prefer not to enter the branch but still want efficient service. At Virginia Coop, we are committed to making banking easy and accessible for everyone in Virginia, MN. For more information about any of our services or to speak with a member of our friendly staff, feel free to call us at (218) 741-5644 or visit us online at https://vccu.org/ . Join us today and experience the difference in personalized financial service!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing services. We offer various mortgage products designed to fit different needs, whether you're buying your first home or looking to refinance your existing mortgage for better rates. Our team is ready to assist you every step of the way.

Online & Mobile Banking

We know convenience is key in today's fast-paced world. That's why Virginia Coop offers robust online and mobile banking platforms. Check balances, transfer funds, pay bills, and even deposit checks right from your smartphone or computer anytime, anywhere.

Personal Banking

For those looking to manage their day-to-day finances, our personal banking options include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a special occasion or need easy access to funds, we have accounts that can help you reach your goals.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation options. If you're dealing with multiple debts or need extra cash for emergencies, our loan solutions can provide the support you need without overwhelming interest rates.

Digital & Online Banking

Convenient Features

You can enjoy hassle-free account management with features like electronic signature authorization, which allows you to sign documents online securely. Plus, if you're looking to go paperless, our e-statements are available for easy access and organization of your financial records. For those who like using their smartphones, our mobile application makes banking even simpler. You can download it today to manage your accounts right from your pocket! Although we currently do not support mobile payments, our app does enable person-to-person transfers, allowing you to send money quickly and effortlessly to friends or family.

Security You Can Trust

We prioritize your security. With every transaction, we use advanced encryption methods to protect your personal information. Our user-friendly interface is designed so that you can navigate easily while still feeling confident in the safety of your data. In summary, whether you're checking balances or sending money to a friend, Virginia Coop's digital and online banking services provide a reliable and convenient way to manage your finances. Join us today and experience the ease of modern banking!

Financial Strength

A Growing Membership Base

With a total of 5,020 share accounts, we're proud of our growing member base that trusts us with their finances. This trust empowers us to keep improving our services while prioritizing your best interests. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Virginia Coop is your trusted partner. Visit us at 811 4Th St N Virginia Mn 55792 or call (218) 741-5644 to learn more about how we can help you achieve your financial goals.

Dedicated Team Ready to Serve You

We take pride in having 6 full-time employees and 1 part-time employees who are committed to providing exceptional service at every interaction. Our knowledgeable team is always ready to assist you with your banking needs.

Investing Back into Our Community

With $3,033,477 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This focus on growth allows us to support your needs effectively.

Member-Centric Savings Solutions

Members' savings are secured through $152,556 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $3,881,639, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $947 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity is robust, with $47,937 in used auto loans and $25,411,052 in total loans and leases. Whether you're looking for an auto loan or other financing solutions, we're here to help you achieve your financial goals. Our operational efficiency is highlighted by our $454,912, enabling us to continue offering competitive loan rates and solid financial products tailored for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $7,811,832 in used vehicle loans and $3,184,394 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles so you can choose what fits your lifestyle best.

Credit Lines

For those who need additional flexibility with their spending, we provide credit lines totaling $3,240,000. This option allows you to access funds when necessary while only paying interest on the amount you use. At Virginia Coop located at 811 4Th St N Virginia MN 55792, we're committed to making borrowing easy and accessible. You can reach us at (218) 741-5644 for any questions about our loan offerings or eligibility requirements. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're ready to apply for a loan or just want more information about your options, visit us today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $637,445, make buying or refinancing simple. Whether you're looking to purchase your first home or refinance an existing mortgage, our experienced team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $302,928 in loans helping members manage their finances effectively. These credit cards are designed to be straightforward and easy to use for daily purchases or unexpected expenses.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers presented are fair and transparent. By using verified data, LendMesh guarantees that users receive accurate information without any hidden agendas.

VIRGINIA COOP CREDIT UNION