Veridian Credit Union Chester VA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Virginia, your trusted partner in financial growth and community support, located conveniently at 13025 Route 1, Chester, VA 23831. Established in 1928, we have proudly served our members for over 95 years, cultivating a strong sense of belonging among our 489,137 members. At Virginia, we believe that your financial success is our mission. Our commitment to you goes beyond just numbers. With total assets exceeding $6.9 billion and total deposits around $56.8 million, we ensure that your money is not only safe but also working hard for you. We offer a wide range of services tailored to meet your needs, including auto loans, mortgages, personal loans, and credit cards with rewards. Our dedicated team of 1,108 employees, led by CEO Christopher Shockley and Board President Kenneth Ampy, is here to provide personalized service that makes banking easy and accessible. While you can visit us at our Chester branch for all your banking needs, please note that official correspondence should be directed to our mailing address at P.O. Box 90010, Richmond, VA 23225-9010. We understand the importance of community impact and strive to make a difference in the lives of our members every day. With a net worth of approximately $715.6 million and cash in hand totaling about $39.5 million, we are well-positioned to support both individual members and local businesses with financing solutions that drive growth. At Virginia, we are more than just a credit union; we are a community hub where relationships matter. Whether you're looking for straightforward banking options or seeking guidance on financial decisions, we invite you to reach out or stop by. Ready to take the next step? Give us a call at 804-253-6160 or visit our website at www.vacu.org to learn more about how we can help you achieve your financial goals today!

Branch History & Mission

A Rich Legacy

Since opening our doors nearly a century ago, we have adapted and evolved with the needs of our members. Our journey began with a simple mission: to provide affordable financial services to those who might not have access elsewhere. Today, we proudly manage total assets of over $6.9 billion, allowing us to offer a wide range of products from personal checking accounts to auto loans and mortgages. As we look back on our history, we celebrate milestones that have shaped us. From expanding our services to include online and mobile banking options to ensuring ADA compliance for all members, every step has been taken with the community's best interests in mind. We are also proud to offer both ATM and drive-thru banking for your convenience.

Join Us

We invite you to become part of the Chester Branch family today! Experience firsthand the personalized service and community spirit that sets us apart. Visit our website at www.vacu.org or call us at 804-253-6160 for more information about membership eligibility and how we can assist you on your financial journey. Together, let's build a brighter future for ourselves and our community!

Our Mission

At the Chester Branch of Virginia, our mission is clear: we aim to empower our members by providing them with the financial tools they need while fostering community support and engagement. We believe that everyone deserves access to quality financial services, whether it's through personal loans or business banking solutions. Our focus extends beyond just numbers; it's about building relationships. We actively engage in community outreach initiatives that promote financial literacy and support local causes. This commitment ensures that when you bank with us, you're not only securing your financial future but also investing in the well-being of Chester. While members can visit us at 13025 Route 1, official correspondence should be sent to P.O. Box 90010 in Richmond, VA. Our dedicated staff is here to help you during our operating hours Monday through Thursday from 9 a.m. to 5 p.m., Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to noon for drive-thru services.

Branch Location & Accessibility

Call to Action

We invite you to come by the Virginia Chester Branch today! Our friendly staff is ready to help you navigate your financial journey. If you have any questions or need assistance before visiting, don't hesitate to call us at 804-253-6160. Your financial success starts here!

Nearby Landmarks and Accessibility

Nestled near popular local spots, our branch is just a stone's throw away from the Chester Village Green and not far from the local library. This prime location makes it easy to combine your banking errands with other daily activities. We prioritize accessibility for all members; our facility features ramps and ADA-compliant entrances to ensure everyone can visit us comfortably.

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours tailored to fit your schedule. Our lobby is open Monday through Thursday from 9 a.m. to 5 p.m., and on Fridays until 6 p.m. For those who prefer drive-thru services, we're here for you Monday through Friday from 9 a.m. to 6 p.m., and Saturdays from 9 a.m. until noon.

Services Offered

At the Virginia Chester Branch, we provide a wide range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we've got you covered. Plus, enjoy the convenience of ATM access and basic drive-thru banking for quick transactions. While members can visit us at our physical location, please note that official correspondence should be sent to P.O. Box 90010 in Richmond, VA.

Member Eligibility

At Virginia, we believe that becoming a member is like joining a warm, welcoming family dedicated to your financial well-being. If you're wondering how to join us, it's quite simple! Membership is open to anyone who lives, works, worships, or attends school in the communities we serve. This means that if you're part of our vibrant community in Chester or nearby areas, you're eligible! By choosing to become a member of Virginia, you gain access to a range of benefits designed to support your financial goals, from competitive loan rates to personalized service that puts you first. If you're ready to take the next step and open an account, you can find all the details on our website at https://olb.vacu.org/vacuonlinebanking/sdk/autoenrollmente2e/accountrecovery. For any questions or assistance during the process, don't hesitate to give us a call at (804) 253-6160. To learn more about eligibility requirements and discover how easy it is to become part of our community, visit http://www.vacu.org/why-vacu/become-a-member. We can't wait to welcome you!

Business Banking & Commercial Services

Business Loans That Drive Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $695 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $857,239,944, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Simplified

Imagine having a reliable partner that helps you accept payments easily, manage cash flow, and streamline operations. Our merchant services offer just that. By providing tools that simplify transactions, we enable you to focus on what matters most growing your business. From point-of-sale systems to online payment solutions, we equip you with everything needed to thrive. Visit us at 13025 Route 1 Chester Va 23831, Chester, VA, or call us at (804) 253-6160 to learn how our business banking and commercial services can elevate your business today!

Comprehensive List Of Services

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services let you manage your accounts from anywhere at any time. Whether you need to transfer funds, pay bills, or check your balance, it's all just a few taps away on your smartphone. We also offer ATM & Cash Withdrawal Services, ensuring that accessing your money is quick and hassle-free.

Credit Card Rewards and Business Banking

We also offer Credit Cards with Rewards, allowing you to earn points on everyday purchases that can be redeemed for travel, cash back, and more. If you're a business owner, our Business Banking services including Merchant Services and Business Loans are designed to support your entrepreneurial journey and ensure smooth operations.

Drive-Thru and ATM Access

For those who prefer in-person transactions, our Basic Drive-Thru Banking allows for easy deposits and withdrawals without leaving your vehicle. Plus, with Basic ATM Access available for withdrawals and balance checks, managing your finances has never been easier. With extended hours at our Chester Branch open Monday through Thursday from 9 a.m. to 5 p.m., Friday until 6 p.m., and Saturday from 9 a.m. to noon you can find the time that works best for you.

Get Started Today!

Explore these services further by contacting us at (804) 253-6160 or visit us online at https://www.vacu.org/. At Virginia, we're here to empower you on your financial journey with personalized solutions that fit your life. Join our community today!

Personal Banking Solutions

Starting with personal banking, we offer Checking & Savings Accounts that are flexible and easy to manage. Imagine having a checking account that not only helps you track your spending but also rewards you for saving. With our Auto Loans & Vehicle Financing, you can hit the road in no time whether it's for a new car or refinancing an existing loan. For those considering homeownership, our Mortgage Loans & Refinancing options provide competitive rates that make buying or refinancing your home straightforward and stress-free. If you're facing unexpected expenses or need assistance consolidating debt, our Personal Loans & Debt Consolidation services can help lighten your financial load.

Digital & Online Banking

Key Services Offered

Our online banking features allow you to check balances, pay bills, and transfer money all from the comfort of your home or on the go. You can enjoy person-to-person transfers, making it simple to send money to friends and family with just a few taps. Plus, our mobile application enhances this experience, giving you full control right from your smartphone. For those who prefer paperless options, we provide e-statements for easy access to your account statements at any time. You won't have to worry about clutter or misplacing important documents again! We also support electronic signature authorization, allowing you to sign documents securely without the need for physical paperwork.

Security and Convenience

We take your security seriously. Our platform is built with top-notch security features so you can feel confident when managing your money online. Whether you're making mobile payments or reviewing account activity, rest assured that your information is protected. With our user-friendly design, navigating through our online services is a breeze. You can quickly perform everyday banking tasks without any hassle. Managing your finances has never been easier or more accessible! Whether you're using a desktop computer or our mobile app, Virginia is committed to providing you with the tools you need for effective financial management anytime, anywhere. Join us today and discover how easy banking can be!

Financial Strength

At Virginia, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation to support your needs and goals. With a net worth of $715,618,876, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.52% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,429,388,412 in share certificates and $1,981,382,719 in money market shares, 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. Our commitment to reinvesting in our community is reflected in our $535,373,270 in undivided earnings. This enables us to improve our banking tools, enhance lending options, and increase security measures to better serve you. With $69,956 in used auto loans and $5,269,983,304 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is evident with a reported $7,828,991, allowing us to provide competitive loan rates and solid financial products tailored for our members. We also take pride in having 1,075 full-time employees and 33 part-time employees ready to assist you with knowledgeable service. Additionally, our net shares stand at $4,372,625, representing funds available for lending and investments. With a total of 724,126 share accounts, we showcase a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Virginia is your trusted partner. Visit us at 13025 Route 1 Chester Va 23831 or call (804) 253-6160 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,235,051,782 in used vehicle loans and $799,323,830 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used car, our flexible terms make it easier than ever to drive away with confidence.

Credit Lines

For those who prefer having access to funds when needed, our total credit lines amounting to $1,367,123,877 provide flexibility for unexpected expenses or planned purchases. This option gives you peace of mind knowing that you have resources available without needing to apply for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $340,711,641, make buying or refinancing simple. We guide you through each step of the process, ensuring that you have all the support you need to secure your dream home.

Refinancing Options

If you're considering refinancing existing loans or seeking eligibility options for any of our products, we're here to help. Our team will work with you to find the best solutions tailored specifically for your situation. No matter what your financial needs are, Virginia is dedicated to providing personalized service and support every step of the way. For more information on our loan offerings or to discuss your options, please contact us at (804) 253-6160 or visit us at our location: 13025 Route 1 Chester Va 23831, Chester, VA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to assisting you!

Unsecured Credit Card Loans

Managing your finances effectively is crucial, which is why we also offer flexible terms on unsecured credit card loans, with a total of $377,328,022 in loans helping members stay on top of their spending. Our credit cards come with competitive interest rates and rewards that can make your everyday purchases even more rewarding.

Loan Aggregator

Accurate Loan Comparisons

LendMesh prioritizes accuracy in its loan comparisons. The 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 compliance guarantees that all loan offers presented are fair and transparent.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily compare options and make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

VIRGINIA FEDERAL CREDIT UNION - Chester, VA

Type of Loan Offerings

Home Equity Loans

Compare Loan Rates Near You

Loan rates in Chester, VA (23831)