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

Introduction

Welcome to Virginia, your trusted partner in financial growth and community support! Located at 5285 S Laburnum Ave, Henrico, VA 23231, our East End Branch has been serving members since 1928. With a dedicated membership of over 489,000, we take pride in providing personalized banking services tailored to meet your needs. At Virginia, we understand the importance of financial stability, which is why we have amassed total assets of $6,917,912,589. This not only reflects our strength but also our commitment to helping you achieve your financial goals. Our members benefit from a variety of services, including personal banking, auto loans, and business financing. In fact, we currently hold $56,795,311 in deposits and offer a total loan portfolio that encompasses 286,557 loans and leases. We are led by Christopher Shockley, our CEO, whose vision is matched by the leadership of Board President Kenneth Ampy. Together with our team of 1,108 employees, we strive to create a welcoming atmosphere for all our members. While you can visit us directly at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 90010, Richmond, VA 23225. As part of the Virginia credit union family, you can feel confident knowing that you're supported by a strong financial institution with a net worth of $715,618,876 and cash reserves totaling $39,498,524. We are dedicated to making a positive impact in our community while providing reliable financial solutions. Ready to take the next step? Visit us today or give us a call at 804-253-6116. We're here to help you navigate your financial journey! For more information on how we can assist you or to explore membership options, check out our website at vacu.org.

Branch History & Mission

At Virginia, we are proud of our rich history and strong commitment to the community. Established in 1928, our East End Branch has been a cornerstone for financial support and growth in Henrico, VA. Over the years, we have evolved from a small credit union into a robust financial institution serving over 489,000 members. Our branch is located at 5285 S Laburnum Ave, a convenient spot that residents can easily access. From our humble beginnings, we have reached significant milestones that highlight our dedication to providing exceptional financial services. Today, we proudly manage total assets exceeding $6.9 billion, reflecting our stability and trustworthiness in the eyes of our members. We believe that everyone deserves access to quality banking services, and we strive to meet that need every day. Our mission is clear: to empower our members through personalized financial solutions while fostering a sense of community. We offer a wide range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. We also embrace technology by providing online and mobile banking options to ensure our members can manage their finances conveniently. While members can visit us at 5285 S Laburnum Ave for all their banking needs, official correspondence should be sent to PO Box 90010 in Richmond. Our operating hours are designed to accommodate busy schedules: 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 12 p.m., with drive-thru service available for added convenience. We take pride in our community outreach efforts as well. Through various partnerships and initiatives, we actively support local organizations and events that uplift our neighbors. Our goal is not just to provide financial services but also to make a positive impact on the lives of those around us. Join us at Virginia today! Experience firsthand the benefits of being part of a supportive credit union dedicated to your financial success and community well-being. Whether you are looking for personal banking or business solutions, we are here for you every step of the way. Together, let's build a brighter financial future!

Branch Location & Accessibility

A Convenient Spot for Everyone

At our East End Branch, accessibility is key. We have dedicated parking available and ensure that our facilities meet ADA standards, making it easy for all members of our community to access our services. If you prefer to use your vehicle, you'll be pleased to know that we offer drive-thru banking for quick and simple transactions like deposits and withdrawals.

Operating Hours Designed for You

We understand that life gets busy, which is why our lobby hours are designed with flexibility in mind. Visit us from Monday to Thursday between 9 a.m. and 5 p.m., and on Fridays until 6 p.m. For those who prefer weekend visits, our drive-thru is open on Saturdays from 9 a.m. until noon, ensuring that you can always find time for your banking needs.

Services Tailored Just for You

Our branch offers a range of personal banking services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and more. If you're looking for business solutions, we provide merchant services and business loans too! Plus, with ATM availability right at the branch, accessing cash has never been easier. While members can visit us at 5285 S Laburnum Ave, official correspondence should be sent to PO Box 90010 in Richmond, VA if needed. We invite you to experience the friendly service and community-focused approach at the East End Branch of Virginia. Have questions? Feel free to give us a call at 804-253-6116 or stop by during our operating hours. We look forward to helping you achieve your financial goals!

Member Eligibility

Becoming a member of Virginia is like opening the door to a supportive community where your financial well-being is the top priority. To join our family, you'll need to meet a few simple eligibility criteria that focus on making banking accessible for everyone. Generally, if you live, work, or worship in the area surrounding our branch, you're likely eligible to become a member. We welcome individuals from various backgrounds and situations, ensuring that everyone has a chance to enjoy the benefits we offer, such as competitive rates on loans and personalized service. To learn more about specific eligibility requirements, feel free to check out our detailed guidelines at http://www.vacu.org/why-vacu/become-a-member. Once you're ready to take the next step toward membership, opening an account is a breeze! You can start the process online by visiting https://olb.vacu.org/vacuonlinebanking/sdk/autoenrollmente2e/accountrecovery, or give us a call at (804) 253-6116 if you have any questions. Join us at Virginia, located at 5285 S Laburnum Ave Henrico Va 23231, and experience how we prioritize your financial journey!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer merchant services tailored for your everyday operations. Imagine having the tools to accept payments seamlessly, manage cash flow efficiently, and enhance customer satisfaction all while focusing on what you do best: running your business. With our support, you can streamline your transactions and keep your focus on growth. Visit us at 5285 S Laburnum Ave Henrico Va 23231, Henrico, VA, or call us at (804) 253-6116 to learn more about how our business banking solutions can empower your success!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

Small businesses are the backbone of our community, and that's why we also offer robust business banking services. From merchant services that facilitate seamless transactions to business loans that empower entrepreneurs to grow their ventures, we're invested in helping local businesses thrive.

Embracing Technology for Your Convenience

In today's fast-paced world, convenience is key. At Virginia, we provide an array of digital banking features such as online and mobile banking, ensuring you can manage your accounts anytime, anywhere. With services like ATM access, cash withdrawals, and basic drive-thru banking for deposits and simple transactions, we make it easier than ever to access your funds quickly.

Let Us Help You

At Virginia, we're not just about transactions; we're about building relationships with our members. If you have any questions or want to learn more about how we can assist with your financial needs, don't hesitate to reach out. Call us at (804) 253-6116 or visit us at 5285 S Laburnum Ave Henrico Va 23231 in Henrico. We look forward to serving you! Take advantage of everything we offer experience banking that feels personal and supportive at East End Branch!

Loans and Credit Solutions

For those unexpected expenses or plans that require extra funding, we provide personal loans and debt consolidation solutions designed to fit your budget. Plus, our credit cards with rewards make everyday purchases even more rewarding, allowing you to earn benefits on items you buy regularly.

Personal Banking Made Simple

We offer various personal banking options tailored to suit your lifestyle. From checking and savings accounts that help you manage your daily finances to auto loans and vehicle financing for those exciting new purchases, our goal is to provide you with the tools you need. If you're considering buying a home, our mortgage loans and refinancing options can guide you through the process, ensuring you get the best rates available.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.vacu.org/, allows you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. You can even send money to friends and family with our person-to-person transfer feature, making it simple to share expenses or settle up after a night out. For those who prefer mobile banking, our dedicated mobile application is available for download. This app not only offers all the functionalities of our online banking but also includes convenient mobile payment options. Whether you're making purchases at your favorite store or sending money directly from your phone, we've got you covered.

Security and Convenience

Your security is our top priority. Our electronic signature authorization feature means you can sign documents safely without needing to visit a branch. Plus, with e-statements available, you can keep track of your financial activity while reducing paper clutter it's both eco-friendly and efficient. Enjoy peace of mind knowing that our 24/7 online banking services are always at your fingertips. Whether you're checking your account late at night or transferring funds during lunch breaks, you have real-time access to your accounts whenever you need it. With these tools at Virginia, managing your finances is not just easier; it's smarter. Join us today and experience the convenience of digital banking tailored just for you!

Financial Strength

Growing Member Base

Total Share and Deposit 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 5285 S Laburnum Ave Henrico Va 23231 or call (804) 253-6116 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.

Member-Focused 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 impressive $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.

Reinventing Banking 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 across various sectors with $69,956 in used auto loans and $5,269,983,304 in total loans and leases.

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. This robust net worth reflects our dedication to serving you and ensuring our long-term sustainability. 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 Options

For those considering business opportunities, our outstanding commercial loans totaling $857,239,944 provide the capital needed to grow and expand your venture. We also have options for personal loans and debt consolidation, ensuring you have access to funds when life's unexpected costs arise. If you're interested in refinancing any existing loans or learning about eligibility options, our team is here to guide you through every step of the process. You can reach us at (804) 253-6116 or visit us at 5285 S Laburnum Ave Henrico Va 23231 in Henrico, VA for personalized assistance. Our commitment is to help you find the right loan solution that fits your lifestyle and financial objectives. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our offerings today and see how we can support your financial journey!

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. We provide financing options that suit various budgets and preferences, making it easier for you to drive away with confidence.

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 offer competitive rates and terms to help you secure the home of your dreams without unnecessary stress.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes feel overwhelming. That's why 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 product is designed to give you the purchasing power you need while maintaining control over your budget.

Loan Aggregator

Benefits of Using LendMesh

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VIRGINIA FEDERAL CREDIT UNION - Henrico, VA

Type of Loan Offerings

Home Equity Loans

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Loan rates in Henrico, VA (23231)