Veridian Credit Union Hardy VA | Affordable Auto Loans & Business Banking

Introduction

Welcome to the Virginia credit union, proudly serving our community from the heart of Hardy, VA. Located at 12975 Booker T Washington Hwy, our Westlake Branch is more than just a financial institution; we are a trusted partner in your financial journey. Established in 1928, we have built a strong foundation of trust and reliability over the years, growing our membership to an impressive 489,137 members. At Virginia, we prioritize your needs with a solid commitment to community impact and member satisfaction. Our total assets stand at an impressive $6,917,912,589, which allows us to offer a variety of services tailored just for you whether you're seeking personal banking options like checking and savings accounts, or financing solutions such as auto loans and mortgages. With $56,795,311 in total deposits and a net worth of $715,618,876, we ensure that your funds are not only safe but also working hard for you. Our dedicated team is led by CEO Christopher Shockley and Board President Kenneth Ampy, who are passionate about fostering a welcoming environment where every member feels valued. With 1,108 employees committed to serving you and providing exceptional service, we're here to answer any questions you may have or assist you with your banking needs. While members can visit us at our branch location in Hardy, official correspondence should be sent to our mailing address: 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. We invite you to explore our website at vacu.org for more information on how we can help you achieve your financial goals. Whether you're looking to open an account or need assistance with loans or other services, don't hesitate to call us at 540-982-8811. Join us today and experience the Virginia difference where your financial well-being is our priority!

Branch History & Mission

Community Commitment

As a credit union built on community values, we prioritize member satisfaction above all else. Our team is dedicated to providing personalized service and building relationships that last. We also embrace digital advancements like online banking and mobile payments for your convenience. With an ATM available for easy cash access and no drive-thru service required, visiting us is straightforward and stress-free. Your financial well-being is our top priority. Join us at Virginia Credit Union today! Experience firsthand how we can assist you in achieving your financial goals while supporting our vibrant community together. Visit our website or give us a call at (540) 982-8811 to learn more about becoming a member or accessing our wide array of services!

Our Mission

At the Virginia Credit Union, our mission is simple yet powerful: to provide exceptional financial services while making a positive impact in our community. We strive to empower our members through accessible banking solutions that meet their needs. From checking and savings accounts to auto loans and credit cards with rewards, we are committed to offering products that enhance your financial journey. We believe in giving back. Our outreach initiatives focus on supporting local events and organizations that strengthen the fabric of our community. We partner with schools and nonprofits to ensure that we contribute positively to the lives of those around us. While members can visit us at 12975 Booker T Washington Hwy Hardy Va 24101, official correspondence should be sent to 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. With operating hours from 9:00 a.m. - 5:30 p.m., Monday through Friday, and Saturday hours from 9:00 a.m. - 12:00 p.m., we make it easy for you to access our services when it suits you best.

Branch Location & Accessibility

Welcome to the Westlake Branch of Virginia Credit Union, conveniently located at 12975 Booker T Washington Hwy in Hardy, VA. Nestled in the heart of Franklin County, our branch is easily accessible for all your banking needs. Whether you're heading to nearby Smith Mountain Lake or visiting local shops, we're here to serve you with friendly faces and helpful services. Our branch features convenient parking options and is designed with accessibility in mind, ensuring that everyone can visit us comfortably. If you need to reach out to us by mail, please note that official correspondence should be sent to our mailing address at 7500 Boulder View Dr, North Chesterfield, VA. At the Westlake Branch, we pride ourselves on providing a welcoming atmosphere for our members. Our operating hours are Monday through Friday from 9:00 a.m. to 5:30 p.m., and we're open on Saturdays from 9:00 a.m. until noon for those who need to stop by during the weekend. You'll find that we offer a range of services tailored to meet your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. Plus, our ATM availability means you can access cash whenever you need it. While we don't have drive-thru banking at this location, our dedicated staff is always ready to assist you inside the branch. If you have any questions or would like more information about becoming a member, don't hesitate to call us at 540-982-8811. We invite you to visit us soon and experience the exceptional service that makes Virginia Credit Union your trusted partner in financial success!

Member Eligibility

At Virginia, we believe that becoming a member is more than just opening an account; it's about joining a caring community that supports your financial journey. If you're looking to be part of our family, you'll find that membership is open to anyone who lives, works, worships, or attends school in the areas we serve. We also welcome immediate family members of current members. This inclusivity means that when you join us at our location at 12975 Booker T Washington Hwy Hardy Va 24101, you gain access to a wealth of resources and personalized services designed to help you thrive financially. Opening your account with us is simple and straightforward! You can explore all the details about eligibility and membership on our website at http://www.vacu.org/why-vacu/become-a-member. Once you're ready to take the next step, feel free to visit us or give us a call at (540) 982-8811 for any questions or assistance. We're excited to welcome you into our community and help you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services

Imagine your customers being able to pay seamlessly through various methods credit cards, mobile payments, or online transactions. Our merchant services are designed to simplify your payment processes, allowing you to focus more on what you do best: running your business. By partnering with us, you gain access to tools that help enhance customer satisfaction and streamline operations. Visit us at 12975 Booker T Washington Hwy Hardy Va 24101, Hardy, VA to learn how our business banking services can help you 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 & Cash Withdrawal Services

Need quick cash? With ATM access at our branch and beyond, withdrawing cash has never been simpler. You can easily check balances and perform transactions without any hassle. At Virginia, we're more than just a credit union; we're part of the community. We're dedicated to providing comprehensive financial solutions tailored to meet the needs of our members at every stage of life. If you're ready to explore how we can assist you further or have any questions about our offerings, don't hesitate to reach out! Call us at (540) 982-8811 or visit us at 12975 Booker T Washington Hwy Hardy Va 24101 in Hardy today!

Auto Loans & Vehicle Financing

For those considering purchasing a new vehicle, our auto loans and vehicle financing options can make that dream a reality. Picture driving off the lot in a car you love, all while knowing you secured an affordable loan with competitive rates through Westlake Branch.

Business Banking

For entrepreneurs and business owners, Virginia provides essential business banking services. From merchant services to business loans, we're here to support your ambitions and help your business thrive. Think of us as your financial partner every step of the way.

Credit Cards with Rewards

Our credit cards come with rewards that enhance your spending experience. Imagine earning points for every dollar spent, which can be redeemed for travel, gifts, or cash back. It's not just about making purchases; it's about getting rewarded for them!

Mortgage Loans & Refinancing

Are you thinking about buying a home or refinancing your existing mortgage? We provide tailored mortgage solutions designed to fit your unique situation. With our expert guidance, you can navigate the home-buying process confidently, ensuring you're making the best decision for yourself and your family.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that let you manage your finances anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills on-the-go, our digital tools are designed with ease-of-use in mind.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that cater to every lifestyle. Imagine having easy access to your funds whenever you need them while also watching your savings grow. Our accounts come with features that make managing your money straightforward and stress-free.

Personal Loans & Debt Consolidation

If debt is weighing you down, our personal loans can help lighten the load. Whether it's for unexpected expenses or debt consolidation, we offer flexible terms that allow you to regain control of your finances and breathe easier.

Digital & Online Banking

Key Features

Our online banking offers a range of features that prioritize both convenience and security. For those who prefer paperless options, e-statements are available, allowing you to keep track of your account activity without the clutter of physical documents. You can also authorize transactions using electronic signature authorization, making signing important documents hassle-free. If you're looking to make payments quickly, our mobile payments feature allows you to send money directly from your smartphone. Plus, with person-to-person transfers, splitting costs with friends or family has never been easier.

Mobile Application

Stay connected with our mobile application, which is available for download on various devices. This app brings all the functionalities of online banking right into your pocket. You can manage your accounts in real-time check balances, deposit checks, and even set up alerts for transactions. At Virginia, we're committed to providing tools that enhance your financial management while ensuring that your data remains secure. Our digital services not only simplify banking but also empower you to make informed financial decisions whenever and wherever you choose.

Online Banking Services

With our 24/7 online banking services, you can easily access your accounts from the comfort of your home or on the go. Simply visit us at https://www.vacu.org/ to get started. Whether you want to check your balance, transfer funds, or pay bills, our user-friendly platform puts control right at your fingertips.

Financial Strength

Growing Together

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. 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 12975 Booker T Washington Hwy Hardy Va 24101 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 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 focus 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.

Reinvesting for You

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. Our lending capacity supports your financial goals with $69,956 in used auto loans and $5,269,983,304 in total loans and leases.

Solid Foundations

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 Loan Options

For those looking for more than just auto and mortgage loans, we also offer personal loans and business financing options. If you're a business owner, our outstanding commercial loans totaling $857,239,944 provide the capital needed to grow and expand your operations. Additionally, our personal loan options can assist with debt consolidation or unexpected expenses. If you're interested in refinancing any existing loans or exploring eligibility options, don't hesitate to reach out. We're here to guide you through our offerings and find what best fits your situation. For more information or to discuss your loan options, feel free to contact us at (540) 982-8811 or visit us at 12975 Booker T Washington Hwy Hardy Va 24101 in Hardy, 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. Your journey towards better financial health starts here at Virginia!

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 interested in a brand-new model or a reliable used vehicle, our financing options make it easy to drive away in the car you want.

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 aim to support you through every step of the process, ensuring you find the right solution for your home financing needs.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, but our flexible terms on unsecured credit card loans are designed to help you keep your finances in check. With a total of $377,328,022 in loans helping members manage their finances effectively, you can enjoy peace of mind knowing you have the support you need.

Loan Aggregator

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 the offers presented are fair and transparent. Users can trust that the information they receive is both accurate and up-to-date.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so users can make informed decisions without hidden influences. - Real-Time Rate Comparisons: With access to up-to-date loan rates from multiple institutions, users can quickly find the best options that meet their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights the effectiveness and reliability of the platform. Ready to explore your options? 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 - Hardy, VA

Type of Loan Offerings

Home Equity Loans

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Loan rates in Hardy, VA (24101)