Veridian Credit Union Christiansburg VA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Virginia, your trusted financial partner located at 105 Oaktree Blvd, Christiansburg, VA 24073. Since our establishment in 1928, we have proudly served our community, growing into a robust credit union with over 489,137 members. At Virginia, we believe that banking should be simple and accessible for everyone. Our commitment to you goes beyond just numbers; it's about fostering relationships built on trust. With total assets of $6,917,912,589 and net worth standing at $715,618,876, we are dedicated to ensuring your financial well-being is at the forefront of what we do. We currently offer a variety of services including personal banking, auto loans, mortgage options, and business banking solutions tailored to meet your needs. While you can visit us at our branch for assistance during our convenient hours from 9:00 a.m. to 5:30 p.m. Monday through Friday, and 9:00 a.m. to 12:00 p.m. on Saturdays we also encourage you to explore our online resources available at Virginia Credit Union. Led by our dedicated CEO Christopher Shockley and Board President Kenneth Ampy, our team of over 1,100 employees is here to support you every step of the way. Whether you're looking for guidance on loans or need help with your accounts, we are always ready to assist. Join us today as we continue to make an impact in the lives of our members and the community. Feel free to reach out at 540-982-8811 for any inquiries or assistance you may need!

Branch History & Mission

Community Commitment

Our commitment goes beyond banking. We actively engage in community outreach programs that uplift those around us. By partnering with local organizations, we strive to make a positive impact on lives right here in Christiansburg and beyond. Join us at Virginia as we continue this legacy of service and support. Experience firsthand the benefits of membership where your financial success is our top priority. Whether you're looking for reliable banking solutions or want to become part of a caring community, we invite you to connect with us today! For more information or to start your journey with us, call us at (540) 982-8811 or visit our website at Virginia.

Our Evolution

From our humble beginnings, we've been committed to serving our members with integrity and care. Initially focused on providing basic financial services, we have expanded our offerings to include a wide range of products auto loans, mortgages, personal loans, and credit cards with rewards. Today, our total assets stand at an impressive $6,917,912,589, reflecting our stability and dedication to responsible growth. We embrace modernity while maintaining a personal touch. Our branch features ADA-compliant facilities and provides both traditional banking services like drive-thru access and cutting-edge digital solutions such as online banking and mobile payments. We aim to meet the evolving needs of our community by prioritizing accessibility and convenience.

Our Mission

At Virginia, our mission is clear: to empower individuals through financial education and support while fostering a sense of belonging within the communities we serve. We believe that financial well-being is not just about numbers but about people. That's why we are dedicated to offering personalized service tailored to each member's unique circumstances. While members can visit us at 105 Oaktree Blvd Christiansburg Va 24073, official correspondence should be sent to 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. Our operating hours are designed with your convenience in mind open Monday through Friday from 9:00 a.m. to 5:30 p.m., and Saturday from 9:00 a.m. to 12:00 p.m., ensuring you can access your accounts when you need us most.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated close to many community landmarks, our branch is just a short drive from the scenic Huckleberry Trail and the bustling downtown area of Christiansburg. You'll find ample parking available right outside our doors, ensuring that your visit is hassle-free. For those needing additional assistance, our facility is ADA compliant, featuring ramps and accessible entrances so that everyone can enjoy our services comfortably.

Operating Hours and Services

Our friendly team is here to assist you during convenient hours: Monday through Friday from 9:00 a.m. to 5:30 p.m., and we also offer Saturday drive-thru service from 9:00 a.m. until noon. This flexibility allows you to manage your banking around your schedule. At Virginia Credit Union, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, with ATM availability on-site and drive-thru banking options for quick transactions, managing your finances has never been easier. If you have any questions or need assistance, feel free to give us a call at 540-982-8811. We look forward to welcoming you in person soon!

Member Eligibility

At Virginia, we believe that everyone deserves a chance to be part of a community that cares about their financial well-being. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the area surrounding 105 Oaktree Blvd Christiansburg Va 24073, you're already eligible to join our family. We also extend membership to immediate family members of existing members. Not only will you gain access to a wide range of financial products and services, but you'll also enjoy the benefits of personalized service and a supportive environment tailored just for you. Ready to take the next step? You can find more detailed information about eligibility at http://www.vacu.org/why-vacu/become-a-member. When you're ready, opening an account is easy; just visit us online at https://olb.vacu.org/vacuonlinebanking/sdk/autoenrollmente2e/accountrecovery or give us a call at (540) 982-8811 during our operating hours. Join us today and experience the difference that comes with being part of Virginia!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner that streamlines your payment processing and enhances customer satisfaction. Our merchant services offer just that. From easy card transactions to online payment solutions, we provide tools that help you focus on what really matters growing your business. Located conveniently at 105 Oaktree Blvd Christiansburg Va 24073 in Christiansburg, VA, our team is ready to assist you during our operating hours of 9:00 a.m. - 5:30 p.m., Monday through Friday, and 9:00 a.m. - 12:00 p.m. on Saturdays. Reach out today at (540) 982-8811 to explore how we can help your business thrive!

Tailored Loan Solutions

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.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need quick access to cash? Our ATM services ensure that you can withdraw cash or check balances without hassle. Additionally, our basic drive-thru banking allows for deposits and withdrawals during convenient hours. Just pull up and let us handle the rest!

Business Banking Services

For our business members, we offer comprehensive solutions designed to help your company thrive. From merchant services that streamline payment processing to flexible business loans for expansion or equipment purchases, we've got you covered. Our team is here to understand your unique business needs and assist you in achieving your goals.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services, allowing you to manage your accounts from anywhere at any time. You can easily transfer funds, pay bills, and even use person-to-person payment options right from your smartphone or computer.

Member Support

We believe in providing exceptional member support at every step of the way. Our staff is available by phone at (540) 982-8811 during operating hours of 9:00 a.m. - 5:30 p.m., Monday through Friday, and from 9:00 a.m. - 12:00 p.m. on Saturdays for any questions or assistance you may need. At Virginia, we are not just a credit union; we're a partner in your financial journey. We invite you to explore all the ways we can assist you by visiting us or checking out our website at https://www.vacu.org/. Start experiencing the benefits of membership today!

Personal Banking Solutions

We understand that managing personal finances can be challenging. That's why we offer various checking and savings accounts tailored to fit different lifestyles. For those planning to purchase a vehicle, our auto loans and vehicle financing options make it easy to drive away in your dream car. If you're thinking about buying a home or refinancing your existing mortgage, our mortgage loans come with competitive rates and flexible terms. In addition to these traditional banking products, we provide personal loans and debt consolidation services that can help you regain control over your finances. Our credit cards with rewards also give you the chance to earn while you spend, making every purchase more rewarding.

Digital & Online Banking

Key Services

With our online banking platform available at https://www.vacu.org/, you can access your accounts anytime, anywhere. This feature allows you to check balances, transfer funds, and pay bills with just a few clicks. We also provide e-statements, making it easy to keep track of your financial activity while reducing paper clutter. For those who prefer banking on the go, our mobile application is perfect for you. It includes features like mobile payments, allowing you to make purchases directly from your smartphone. Plus, if you need to send money to friends or family quickly, our person-to-person transfers feature makes it simple and hassle-free.

Security and Ease of Use

Security is a top priority at Virginia. Our online services include electronic signature authorization, ensuring that your transactions are secure and authenticated. You can manage your finances in real time without worrying about safety. At Virginia, we believe that banking should be easy and straightforward. Whether you're checking your account balance or making a payment, our digital tools are user-friendly, designed for everyone from tech-savvy individuals to those who may be less familiar with online banking. With 24/7 online banking services available, you'll never have to worry about waiting in line or rushing before closing hours. Whether it's day or night, you have complete control over your finances right at your fingertips. Explore these fantastic digital banking options today by visiting us at https://www.vacu.org/ and see how easy managing your money can be!

Financial Strength

Commitment to Growth

We also boast $535,373,270 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. 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.

Growing Community Trust

With $4,372,625 available for lending and investments and a total of 724,126, we demonstrate that our growing member base 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 105 Oaktree Blvd Christiansburg Va 24073 or call (540) 982-8811 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secure with us. Members' savings are backed by $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; currently, we have $0 in non-member deposits, which helps us focus on benefiting you through better loan rates and lower fees.

Operational Efficiency

Our $7,828,991 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having 1,075 full-time employees and 33 part-time employees who are always ready to assist you with a knowledgeable, committed team.

Strong Financial Health

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.

Loan Offering

Additional Information

If you're considering refinancing existing loans or want to explore eligibility options, our team is ready to assist you every step of the way. It's important to us that you find the right loan product that meets your specific needs. Reach out to us at (540) 982-8811 or visit us at 105 Oaktree Blvd Christiansburg Va 24073, Christiansburg, VA for more information about our loan offerings and how we can help you achieve financial stability. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together towards your financial goals today!

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 eyeing a reliable used car or a brand-new model, we have flexible financing options that make it easy to drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $857,239,944 provide the capital needed to grow and expand. Whether it's for inventory, equipment, or operational costs, we are here to support your entrepreneurial journey with favorable lending solutions.

Credit Card Loans

Managing daily expenses can be easier with our unsecured credit card loans. We also offer flexible terms on unsecured credit card loans, with a total of $377,328,022 in loans helping members manage their finances effectively. This option provides a safety net for unplanned purchases while allowing you to build your credit score responsibly.

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 provide competitive interest rates and terms that fit your budget, ensuring that you can secure the home of your dreams without the stress of overwhelming payments.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 approach guarantees fair and transparent offers for all users.

VIRGINIA FEDERAL CREDIT UNION - Christiansburg, VA

Type of Loan Offerings

Home Equity Loans

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Loan rates in Christiansburg, VA (24073)