Veridian Credit Union Fredericksburg VA | Top Checking & Auto Loans

Introduction

Welcome to Cosner East Branch, your trusted financial partner located at 4531 Spotsylvania Pkwy, Fredericksburg, VA 22408. Since our establishment in 1928, we have been committed to serving our community and providing exceptional banking services tailored to the needs of our members. With a proud membership of over 489,000, we believe in creating meaningful relationships and supporting your financial journey every step of the way. At Cosner East Branch, we understand that life is full of opportunities and challenges. Whether you're looking to open a checking account, finance a new vehicle, or secure a mortgage, we are here for you. Our total assets stand strong at an impressive $6,917,912,589, ensuring that we have the resources necessary to support your financial goals. With $56,795,311 in deposits and a net worth of $715,618,876, our sound financial standing reflects our dedication to protecting your investments. Our leadership team is passionate about fostering a culture of trust and service. Under the guidance of our CEO Christopher Shockley and Board President Kenneth Ampy, we strive to create an environment where our members feel valued and empowered. With a dedicated staff of 1,108 employees, we are equipped to offer personalized service that makes banking easier and more accessible. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 90010, Richmond, VA 23225-9010. We invite you to explore our wide range of services including personal banking options like checking and savings accounts, auto loans, business loans, and more. Ready to take the next step? Visit us online at vacu.org or give us a call at 540-376-6301. We look forward to welcoming you into the Cosner East family!

Branch History & Mission

At the heart of Fredericksburg, Virginia, lies the Cosner East Branch of Virginia Credit Union, a beacon of financial support and community spirit. Established in 1928, our branch has grown alongside the community it serves, becoming a trusted partner for nearly half a million members. With a total membership of 489,137, we pride ourselves on being an integral part of our members' lives. The Cosner East Branch is located at 4531 Spotsylvania Pkwy, Fredericksburg, VA 22408. Nestled near local landmarks that reflect our rich history and vibrant culture, we are easily accessible for all your banking needs. Our commitment to serving you goes beyond just numbers; it's about building relationships and supporting our neighbors. Our mission is simple yet powerful: to provide exceptional financial services while fostering a supportive community environment. We understand that every member has unique financial goals and challenges. That's why we offer a range of services tailored to meet your individual needs whether it's personal banking solutions like checking and savings accounts or helping you secure your dream home through mortgage loans. Over the years, we have embraced innovation to enhance your banking experience. Our digital advancements allow you to manage your finances conveniently from anywhere be it through online banking or mobile applications. We also ensure ADA compliance so that all members can access our services comfortably. With features like 24-hour drive-thru full-service ATMs and friendly customer service, we're here to make banking easy for everyone. While members can visit us at 4531 Spotsylvania Pkwy, official correspondence should be sent to P.O. Box 90010, Richmond, VA 23225-9010. Our roots run deep in community outreach as well. From partnerships with local organizations to initiatives that support education and economic development, we believe in giving back to the place we call home. Together with our dedicated team of over 1,100 employees led by Christopher Shockley, we strive to empower our members and strengthen our community ties. As we look forward to the future, our commitment remains steadfast: serving you with integrity and care. Join us at the Cosner East Branch of Virginia Credit Union today and discover how we can help you achieve your financial dreams! For more information or assistance, please call us at 540-376-6301 or visit our website at vacu.org.

Branch Location & Accessibility

Convenient Access and Parking

We understand that accessibility is important. Our branch features ADA-compliant entrances and ramps to ensure all members can easily access our services. Plus, there's ample parking available, so you can visit us without the hassle of searching for a spot.

Operating Hours That Fit Your Schedule

At Virginia Credit Union, we strive to be here when you need us most. Our lobby hours are Monday through Thursday from 9:00 a.m. to 5:00 p.m., and we stay open an hour later until 6:00 p.m. on Fridays. Need to make a quick deposit or withdrawal? Take advantage of our drive-thru service available Monday through Friday from 9:00 a.m. to 6:00 p.m., along with our 24-hour full-service ATMs for your convenience.

Services Tailored for You

Our branch offers a wide range of banking services designed to meet your needs from personal banking options like checking and savings accounts to auto loans, mortgage loans, and even business banking solutions. Whether you want to apply for a loan or simply need assistance with your account, our friendly staff is here to help. While members can visit us at the above address, please note that official correspondence should be sent to our mailing address at P.O. Box 90010, Richmond, VA 23225-9010.

We’re Here for You!

Feel free to reach out by phone at 540-376-6301 if you have any questions or need assistance before visiting us. We invite you to stop by the Cosner East Branch today let's work together towards achieving your financial goals!

Member Eligibility

At Virginia, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and rewarding! If you live, work, worship, or attend school in our area, you're likely eligible to join us. We embrace individuals from all walks of life, aiming to provide financial services that support your needs and aspirations. Plus, as a member of Virginia, you'll enjoy benefits like lower loan rates, higher savings yields, and personalized service designed just for you. To learn more about the specific eligibility requirements, feel free to visit this page. When you're ready to open an account, the process is straightforward just check out our account opening details at this link. If you have any questions or need assistance, don't hesitate to call us at (540) 376-6301. We're here to help you every step of the way as you embark on your journey with Virginia!

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine running your shop and accepting payments quickly and securely without hassle. Our solutions help streamline transactions, allowing you to focus on what matters most growing your business. Visit us at 4531 Spotsylvania Pkwy Fredericksburg Va 22408 in Fredericksburg, VA, or call us at (540) 376-6301 to explore how our tailored business banking solutions can help turn your ambitions into reality!

Comprehensive List Of Services

ATM and Cash Withdrawal Services

Need quick access to cash? Our network of ATMs ensures that you can withdraw funds when you need them. Plus, enjoy basic drive-thru banking for simple transactions like deposits and withdrawals without leaving your vehicle.

Business Banking Solutions

For our business members, we offer specialized services tailored to help your venture thrive. From Merchant Services that simplify payment processing to various Business Loans designed for growth and stability, we're committed to supporting local businesses in achieving their goals.

Committed Customer Service

At Virginia, we pride ourselves on offering not just services but also support. Our team is always ready to assist you through any banking questions or needs you may have. Whether it's setting up an account or navigating loan options, our friendly staff is here for you. If you're ready to explore how Virginia can enhance your financial experience, don't hesitate to reach out! You can call us at (540) 376-6301 or visit us during our lobby hours: Monday through Thursday from 9:00 a.m. - 5:00 p.m., and Friday until 6:00 p.m. We look forward to serving you!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Cosner East Branch, we provide robust Online & Mobile Banking solutions. Manage your accounts from anywhere with just a few taps on your phone. Our mobile app allows for easy access to all your banking needs, including person-to-person payments and e-statements.

Personal Banking Made Easy

Whether you're just starting out or looking to manage your wealth, our personal banking services are here for you. Open a Checking or Savings Account with us to help you save for the future or manage your daily expenses with ease. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing options make it simple to get behind the wheel without breaking the bank. We also provide Mortgage Loans & Refinancing, ensuring that your dream home is within reach and that you can take advantage of favorable rates. If unexpected expenses arise or you're looking to consolidate debt, consider our Personal Loans & Debt Consolidation options. Plus, our Credit Cards with Rewards allow you to earn while you spend, making every purchase more rewarding.

Digital & Online Banking

Access Your Accounts Anytime

Our online banking platform at https://www.vacu.org/ allows you to view your account balances, transfer funds, and pay bills from the comfort of your home or on the go. Need to make a quick payment? Our mobile payments feature lets you do just that with just a few taps on your smartphone. Plus, with our user-friendly mobile application, available for download now, you can handle your banking needs right from your device.

Secure Transactions Made Easy

Security is a top priority at Virginia. Our electronic signature authorization feature ensures that all transactions are secure and verified, giving you peace of mind when handling sensitive information. Additionally, our person-to-person transfer option allows you to send money quickly and safely to friends or family without any hassle.

Stay Informed with E-Statements

Gone are the days of waiting for paper statements in the mail. With our e-statements availability, you can easily access your monthly statements electronically. This not only keeps you organized but also helps protect the environment by reducing paper waste.

Why Choose Us?

Whether you're checking balances late at night or paying bills during lunch breaks, our digital banking services provide easy access and real-time account management whenever you need it. Join us today at Virginia and experience the benefits of modern banking tailored just for you!

Financial Strength

A Growing Community

Total Share Accounts: 724,126, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $4,372,625. In conclusion, 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 4531 Spotsylvania Pkwy Fredericksburg Va 22408 or call (540) 376-6301 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity is robust, with $69,956 in used auto loans and $5,269,983,304 in total loans and leases. This means we can help you achieve various financial needs from purchasing a vehicle to investing in your future.

Member-Centric Savings

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.

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 also take pride in having 1,075 full-time employees and 33 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Our Community

With $535,373,270 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach allows us to support your financial goals effectively.

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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already assisted many members with $1,235,051,782 in used vehicle loans and $799,323,830 in new vehicle loans, helping them get on the road with confidence. If you're considering refinancing your current auto loan, we have options available to help you save even more.

Business Loans

For business owners, our outstanding commercial loans totaling $857,239,944 provide the capital necessary to grow and expand. Whether you're starting a new venture or need funds for equipment or inventory, we are dedicated to supporting local businesses.

Conclusion

At Virginia, we aim to simplify your borrowing experience while offering competitive rates and personalized service. Our commitment extends beyond just providing loans; we focus on building lasting relationships with our members based on trust and transparency. For any inquiries or further information about our loan offerings, feel free to contact us at (540) 376-6301. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at our branch located at 4531 Spotsylvania Pkwy Fredericksburg Va 22408, Fredericksburg, VA, and let's discuss how we can assist you in achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $340,711,641, allowing you to secure a home without unnecessary hassle. If you're unsure about eligibility or need guidance through the refinancing process, our team is here to assist you every step of the way.

Unsecured Credit Cards

Managing day-to-day expenses is easier with our flexible terms on unsecured credit card loans. We have helped members with a total of $377,328,022 in loans, providing them with the financial flexibility they need to handle both planned and unexpected costs.

Loan Aggregator

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VIRGINIA FEDERAL CREDIT UNION - Fredericksburg, VA

Type of Loan Offerings

Home Equity Loans

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