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

Introduction

Welcome to Virginia, your trusted credit union located at 3901 Old Forest Rd, Lynchburg, VA 24501. Since our establishment in 1928, we've been dedicated to serving our community with integrity and care. With a total membership of 489,137, we take pride in being more than just a financial institution; we are a vital part of the lives of those we serve. At Virginia, we manage an impressive $6,917,912,589 in assets and have facilitated over 286,557 loans to help our members achieve their dreams. Our commitment extends beyond finances; we believe in building relationships and supporting our local community. Under the leadership of CEO Christopher Shockley and Board President Kenneth Ampy, our team of 1,108 employees is here to assist you with personalized service tailored to your needs. While members can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address at 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. With services ranging from personal checking accounts to auto loans and business financing options, we're equipped to meet your diverse financial needs. In addition to traditional banking services, we also offer online and mobile banking for your convenience. Our focus on community impact is evident through responsible lending practices and member-focused initiatives. We invite you to experience the difference that a member-owned credit union can make. For any inquiries or assistance, feel free to reach out to us at 540-982-9811 during our operating hours from Monday to Thursday 9:00 a.m. - 5:30 p.m., Friday 9:00 a.m. - 6:00 p.m., and Saturday 9:00 a.m. - 1:00 p.m. Explore more about us or start your journey with Virginia by visiting our website at www.vacu.org. Join us today and discover how we can help you reach your financial goals!

Branch History & Mission

At Virginia, we take pride in our rich history and commitment to serving the community of Lynchburg, VA. Established in 1928, our Lakeside Crossing Branch has been a cornerstone for financial stability and growth for generations. Located at 3901 Old Forest Rd, our branch is easily accessible and surrounded by local landmarks that reflect the vibrant spirit of our city. Over the years, Virginia has grown alongside its members. With a total membership of 489,137, we have built lasting relationships based on trust and support. Our total assets now stand at an impressive $6,917,912,589, which showcases our dedication to providing reliable financial services tailored to the needs of our community. Our mission is simple yet impactful: to empower our members through exceptional financial services while fostering a strong sense of community. We strive to be more than just a bank; we are your partners in achieving financial wellness. Whether it's through personal banking solutions like checking and savings accounts or auto loans and mortgages, we are here to help you navigate your financial journey. While members can visit us at 3901 Old Forest Rd, official correspondence should be sent to 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. We understand that convenience matters; that's why we offer ATM services for quick cash access. Although we do not have drive-thru banking at this location, our friendly staff is always ready to assist you during our operating hours: Monday through Thursday from 9:00 a.m. to 5:30 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. Virginia also embraces digital advancements with features like online banking and mobile payments, making it easier for you to manage your finances anytime, anywhere. Our commitment extends beyond transactions; we engage in community outreach efforts that support local initiatives and charities, reinforcing our belief that together we can make a difference. Join us today at Virginia! Experience the benefits of being part of a credit union that truly cares about your financial future and community well-being. Call us at 540-982-9811 or visit our website to learn more about how we can help you achieve your goals.

Branch Location & Accessibility

Call To Action

We invite you to stop by and see how we can assist you today! If you have any questions or need further information before your visit, please don't hesitate to call us at 540-982-9811. We look forward to welcoming you at the Virginia Credit Union's Lakeside Crossing Branch!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours tailored to fit your busy schedule. You can visit us from 9:00 a.m. to 5:30 p.m., Monday through Thursday; on Fridays, we extend our hours until 6:00 p.m.; and we're open on Saturdays from 9:00 a.m. to 1:00 p.m.

Services Offered

At Lakeside Crossing Branch, we provide a variety of services to meet all your banking needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're interested in credit cards with rewards or business banking options like merchant services and business loans, feel free to ask one of our friendly staff members during your visit.

Member Eligibility

Welcome to the family at Virginia! We believe that everyone deserves a chance to be part of a supportive community where their financial needs are truly understood. To become a member, you just need to meet some simple criteria. If you live, work, or worship in the area, or even if you are related to someone who is already a member, you're likely eligible! It's all about connecting with our local community and helping each other thrive. You can check out more details on eligibility by visiting this link. Joining us is easy, and you'll gain access to a range of benefits designed to help you manage your finances better. From competitive rates on loans and savings accounts to personalized service that feels like family, we're here for you every step of the way. Ready to get started? Opening an account is just a click away at this page. If you have any questions or need assistance, feel free to give us a call at (540) 982-9811. We can't wait to welcome you into our community at 3901 Old Forest Rd Lynchburg Va 24501!

Business Banking & Commercial Services

Real-World Merchant Services

Imagine seamlessly processing payments while focusing on what you do best running your business. Our merchant services offer reliable payment solutions that keep your cash flow steady. From credit card processing to online transactions, we provide the tools you need to cater to your customers effectively. If you're ready to take your business to the next level, visit us at 3901 Old Forest Rd Lynchburg Va 24501, Lynchburg, VA, or give us a call at (540) 982-9811. Let's build something great together!

Supporting Your 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.

Comprehensive List Of Services

Business Banking Made Easy

For our business members, we offer specialized Business Banking solutions including merchant services and business loans. We understand the importance of having reliable financial support as you grow your enterprise.

Digital Banking Convenience

In today's fast-paced world, managing your finances should be easy and accessible. That's why we provide robust Online & Mobile Banking services that allow you to bank anytime, anywhere. With features like ATM access for cash withdrawals and balance checks, staying on top of your finances has never been more convenient.

Financial Support When You Need It

Sometimes life throws unexpected challenges your way. Our Personal Loans & Debt Consolidation services can help you manage expenses and simplify your finances. Additionally, if you're looking for a way to earn rewards while spending, our Credit Cards with Rewards program is perfect for everyday purchases.

Join Us Today!

If you're ready to take charge of your financial future or simply want more information about what we offer, don't hesitate to reach out! Give us a call at (540) 982-9811 or visit us at Lakeside Crossing Branch. Our friendly staff is eager to assist you with all your banking needs. Experience the difference at Virginia where your financial well-being is our priority!

Personal Banking Solutions

Understanding that each member has unique needs, we offer various Personal Banking options. You can choose from checking and savings accounts tailored to fit your lifestyle. For those considering a new vehicle, our Auto Loans & Vehicle Financing services provide competitive rates and flexible terms that make car buying stress-free. If you're planning to purchase a home or refinance your existing mortgage, our Mortgage Loans & Refinancing options are here to guide you through every step of the process.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly, allowing you to view your account balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend? Our person-to-person transfers make it simple and quick to share funds without hassle. Plus, our mobile payments feature enables you to make purchases directly from your phone, adding even more flexibility to your financial management. Security is a top priority for us. With electronic signature authorization available, you can sign documents securely online without the need for printing or mailing. You can also choose e-statements for a more environmentally friendly way to keep track of your finances while reducing paper clutter.

Mobile Application

For those who prefer banking on the go, our mobile application is here to help. Whether you're checking your balance during lunch or making an urgent payment while out and about, our app puts the power in your hands. It's designed for ease of use so that you can manage your accounts quickly and efficiently. At Virginia, we're dedicated to providing services that cater to your busy lifestyle. From 24/7 online banking access to real-time account management through our mobile app, we ensure that banking fits seamlessly into your day-to-day activities. Experience the difference with us today!

Financial Strength

At Virginia, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. You can rest assured knowing that your finances are in good hands with us. 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. 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. 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; we have $69,956 in used auto loans and $5,269,983,304 in total loans and leases to support your financial goals across various sectors. 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. Net Shares (Funds available for lending and investments): $4,372,625. Total Share and Deposit Accounts: 724,126, showing a strong and growing member base that 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 3901 Old Forest Rd Lynchburg Va 24501 or call (540) 982-9811 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.

Loan Offering

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 for both new and used vehicles, making it easier for you to drive away with your dream car.

Business Loans

For business owners, our outstanding commercial loans totaling $857,239,944 provide the capital needed to grow and expand. We understand the unique challenges that come with running a business and aim to support you with tailored lending solutions. If you're interested in any of these products or need assistance determining which option fits best for you, don't hesitate to reach out. You can contact us at (540) 982-9811, or visit us at our branch located at 3901 Old Forest Rd Lynchburg Va 24501 in Lynchburg, 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. We're here to help you navigate your financial journey!

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 also offer refinancing options if you're looking to lower your monthly payments or tap into your home's equity.

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 is an excellent option if you prefer not to secure your borrowing against an asset.

Loan Aggregator

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), ensuring fair and transparent offers. This commitment to using verified data means that users can trust the accuracy of the information they receive.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can feel secure knowing they are comparing genuine offers. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every comparison is made without influence from advertising dollars. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. This feature is crucial in a fast-moving market where rates can change frequently. 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!" Such testimonials highlight the effectiveness and reliability of this tool. Ready to find the best loan rates? Compare real-time loan offers today at LendMesh and discover options tailored to 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 - Lynchburg, VA

Type of Loan Offerings

Home Equity Loans

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Loan rates in Lynchburg, VA (24501)