Veridian Credit Union Henrico VA | Quick Personal Loans & Business Banking

Introduction

Welcome to Virginia, your trusted financial partner located at 9498 W Broad St, Henrico, VA 23294. Since our establishment in 1928, we have been dedicated to serving our community with a focus on member satisfaction and financial growth. With over 489,137 members, we pride ourselves on creating a family-like atmosphere where your financial well-being is our top priority. At Virginia, we are not just a credit union; we are a committed part of the Henrico community. Our total assets stand at an impressive $6,917,912,589, with $56,795,311 in deposits and a solid net worth of $715,618,876. This stability allows us to offer competitive loans and personalized services tailored to meet your needs. Whether you're looking for auto financing or planning for your future with savings accounts and mortgages, we have you covered with over 286,557 loans issued. Our leadership team is here to guide you every step of the way. Under the direction of CEO Christopher Shockley and Board President Kenneth Ampy, we strive for excellence in all that we do. Our dedicated staff of 1,108 employees is always ready to assist you with friendly service. While you can visit us at our branch location for personal banking services such as checking accounts and loans, official correspondence should be sent to our mailing address: PO Box 90010, Richmond, VA 23225-9010. We invite you to explore more about what Virginia has to offer by visiting our website at vacu.org. Feel free to reach out via phone at 804-253-6180 during our lobby hours: Monday through Thursday from 9 a.m. to 5 p.m., Friday until 6 p.m., and Saturday from 9 a.m. to 1 p.m. Join us today and experience how Virginia can help you achieve your financial goals!

Branch History & Mission

Community Engagement

As a member-focused credit union, we value our role in the community. We actively seek partnerships with local organizations and engage in outreach efforts that uplift those around us. From sponsoring local events to offering financial literacy workshops, we aim to make a positive impact beyond banking. For your convenience, while you can visit us at 9498 W Broad St, official correspondence should be sent to PO Box 90010, Richmond, VA 23225-9010 if necessary. We invite you to explore our operating hours: - Lobby Hours: - Monday - Thursday: 9 a.m. - 5 p.m. - Friday: 9 a.m. - 6 p.m. - Saturday: 9 a.m. - 1 p.m. Our drive-thru service is available from Monday - Friday: 9 a.m. - 6 p.m. providing quick access for your banking needs.

Join Us!

As we look toward the future, we remain committed to enhancing your banking experience while nurturing the spirit of community that defines us. If you're not already a member of Virginia's West Broad Branch, we encourage you to join us! Discover how we can help you achieve your financial goals while being part of something greater a supportive community driven by shared values. For more information about becoming a member or accessing our services, please call us at 804-253-6180 or visit our website at vacu.org. Experience firsthand the benefits of being part of Virginia's trusted credit union family!

Our Mission

At the heart of our operations is our mission statement: to enhance the quality of life in our community through exceptional financial services and unwavering support. We believe that everyone deserves access to affordable banking solutions and guidance tailored to their unique needs. Whether it's helping you secure an auto loan or providing resources for saving and budgeting, our dedicated team is here to assist you every step of the way. In addition to traditional banking services like personal checking accounts, auto loans, mortgages, and credit cards with rewards, we also prioritize technological advancements. With features such as online banking, mobile payments, and electronic signatures, we ensure that banking with us is convenient and user-friendly. We are committed to ADA compliance as well, ensuring that all members can access our services without barriers.

Branch Location & Accessibility

Operating Hours

We understand that life can get busy! That's why our lobby hours are designed with your schedule in mind. Visit us 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 1 p.m. Need quick service? Our drive-thru is open Monday through Friday from 9 a.m. to 6 p.m., so you can handle your banking needs without leaving your vehicle.

Services Offered

Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, our friendly team is here to help. We also offer online and mobile banking services for added convenience, along with ATMs available on-site for quick cash withdrawals and balance checks. We invite you to experience the welcoming atmosphere at our West Broad Branch. If you have any questions or need assistance, don't hesitate to call us at 804-253-6180. We look forward to serving you!

Member Eligibility

At Virginia, we believe that everyone deserves a supportive financial partner, and becoming a member is your first step toward that. If you live, work, or worship in the Henrico area or have family members who are already part of our community, you're likely eligible to join us! We welcome individuals from all walks of life, making it easy for you to tap into a range of benefits designed to enhance your financial well-being. For more detailed information on eligibility criteria, feel free to visit our dedicated page at http://www.vacu.org/why-vacu/become-a-member. Joining is a breeze! Simply reach out to us at (804) 253-6180 or visit us at our branch located at 9498 W Broad St Henrico Va 23294. You can also start the account opening process online by checking out this link: https://olb.vacu.org/vacuonlinebanking/sdk/autoenrollmente2e/accountrecovery. We're excited to welcome you into the Virginia family, where you'll find not just banking services but a community ready to support your financial journey!

Business Banking & Commercial Services

Financing for 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 That Matter

Imagine having the tools to streamline payments and manage cash flow effortlessly. Our merchant services provide businesses like yours with easy payment processing solutions that can enhance customer experiences. From accepting credit cards to online payments, we help you focus on what you do best running your business. Explore how Virginia, located at 9498 W Broad St Henrico Va 23294, Henrico, VA, can partner with you for financial success. Let us help you unlock the potential of your business today!

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features so you can manage your accounts anytime, anywhere. From making deposits to transferring funds, our digital banking tools simplify your financial management. You can also access cash easily through our ATM & Cash Withdrawal Services, ensuring you're never far from your funds.

Business Solutions That Work for You

If you're a business owner, we haven't forgotten about you! We offer specialized Business Banking services, including Merchant Services & Business Loans, designed to support growth and efficiency in your operations.

Personal Banking Made Simple

Whether you're opening your first checking account or planning for the future with savings, our personal banking services are tailored to meet your needs. We offer Checking & Savings Accounts that help you manage your finances effectively. Need a little extra cash for a new car? Our Auto Loans & Vehicle Financing options can get you on the road without breaking the bank. And if you're thinking about buying a home, our Mortgage Loans & Refinancing services ensure you have support every step of the way.

Quick Transactions Made Easy

For those quick transactions, our Basic Drive-Thru Banking allows for simple deposits and withdrawals without needing to step inside the branch. If you're on the go, our Basic ATM Access provides easy withdrawals and balance checks whenever you need them. No matter what financial service you require, we're here for you at Virginia in Henrico. Reach out to us at (804) 253-6180 or visit us today to learn more about how we can assist with all of your banking needs! Ready to take control of your finances? Visit us online at West Broad Branch or stop by our branch location today!

Support When You Need It Most

Life can be unpredictable, and sometimes you need a little help managing expenses. Our Personal Loans & Debt Consolidation options provide the flexibility you need during those tough times. Plus, with our Credit Cards with Rewards, you can earn benefits while making everyday purchases.

Digital & Online Banking

Key Features of Our Online Banking Services

With our user-friendly online banking platform available at https://www.vacu.org/, you can view your account balances, transfer funds, and pay bills with just a few clicks. Plus, enjoy the convenience of person-to-person transfers, making it easy to send money to friends and family whenever you need to. No more hassle just quick and simple transactions right from your device. Security is a top priority for us. Our electronic signature authorization process ensures that your transactions are safe and verified, giving you peace of mind as you manage your finances online. We also provide e-statements, so you can easily track your spending without the clutter of paper statements.

Mobile Banking Made Easy

Take banking with you wherever you go with our mobile application. Whether you're shopping or traveling, our app allows for mobile payments, letting you make purchases quickly and securely using your smartphone. You can also check balances, deposit checks, and transfer funds all from the palm of your hand. We believe banking should be accessible for everyone. That's why our online banking services are straightforward and designed for ease of use. With real-time account management at your fingertips, you'll always know where you stand financially. At Virginia, we're committed to providing tools that make managing your money a breeze. Join us today and experience the future of banking!

Financial Strength

A Strong Foundation

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.

Growing Membership Base

Total Share and Deposit Accounts: 724,126, showcasing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments amounting to $4,372,625, we are well-positioned to support your needs. 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 9498 W Broad St Henrico Va 23294 or call (804) 253-6180 to learn more about how we can help you achieve your financial goals.

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. While our non-member deposits stand 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 for Better Services

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 is robust with $69,956 in used auto loans and $5,269,983,304 in total loans and leases, supporting members' financial goals across various sectors.

Loan Offering

Additional Loan Options

In addition to these offerings, we provide various other loan options tailored for different needs. If you're a business owner, our outstanding commercial loans totaling $857,239,944 provide the capital needed to grow and expand. Furthermore, our total credit lines available are $1,367,123,877, giving you even more ways to access funds when needed.

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 considering financing for a new or used vehicle, our team is here to assist you with straightforward options that fit your budget.

Credit Card Loans

For those seeking flexibility, we also offer unsecured credit card loans with a total of $377,328,022 in loans helping members manage their finances effectively. Our credit cards come with rewards that can benefit your everyday spending while allowing you to build or maintain your credit score.

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 personalized support throughout the process, ensuring you understand each step and can make informed decisions.

Refinancing and Eligibility

If you're considering refinancing existing loans or exploring eligibility options for any of our products, our team is ready to guide you through the process. We want to ensure you find the best solution tailored specifically for your situation. To learn more about our loan offerings or to speak with one of our knowledgeable representatives, please call us at (804) 253-6180. We are located at 9498 W Broad St Henrico Va 23294, Henrico, VA, and we're committed to making your financial aspirations a reality. 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 Aggregator

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Ensuring 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 users receive fair and transparent offers. By gathering information from verified institutions, LendMesh guarantees that the loan options presented are legitimate and trustworthy.

VIRGINIA FEDERAL CREDIT UNION - Henrico, VA

Type of Loan Offerings

Home Equity Loans

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Loan rates in Henrico, VA (23294)