Veridian Credit Union North Chesterfield VA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Virginia, your trusted partner in financial well-being since 1928. Located at 1200 Koger Center Blvd, North Chesterfield, VA 23235, we are proud to serve a thriving community of over 489,137 members. With total assets exceeding $6.9 billion, we provide a wide range of services tailored to meet the diverse needs of our members. At Virginia, we believe that everyone deserves access to sound financial solutions. That's why we offer personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment goes beyond just numbers; it's about building lasting relationships within our community. While you can visit us at our Koger Center branch for all your banking needs, please note that official correspondence should be sent to our mailing address: P.O. Box 90010, Richmond, VA 23225-9010. Under the leadership of CEO Christopher Shockley and Board President Kenneth Ampy, our dedicated team of 1,108 employees works tirelessly to ensure you receive exceptional service every time you reach out. With a net worth of $715 million and cash reserves of $39 million, we are well-equipped to support your financial journey. Whether you're looking to apply for a loan or open an account, we invite you to explore our offerings at Virginia Credit Union. For any inquiries, feel free to call us at 804-267-5400 or drop by during our operating hours: - Lobby Hours: - Monday - Thursday: 9 a.m. - 5 p.m. - Friday: 9 a.m. - 6 p.m. - Saturday: 9 a.m. - 12 p.m. Our drive-thru is also available Monday through Friday from 9 a.m. to 6 p.m. Join us today and experience the difference that comes with being a part of the Virginia family!

Branch History & Mission

Community Focus

While members can visit us at 1200 Koger Center Blvd, official correspondence should be sent to P.O. Box 90010 in Richmond. Our operating hours are designed with convenience in mind: from Monday through Thursday from 9 a.m. to 5 p.m., Fridays until 6 p.m., and Saturdays until noon. Additionally, our drive-thru service and ATM availability ensure that banking is always accessible. As we look towards the future, we remain committed to embracing technological advancements while ensuring ADA compliance so all members can enjoy seamless access to our services. Our focus on customer-centric initiatives means that every decision we make is driven by what's best for our members.

Join Us

We invite you to become part of our story at Koger Center Branch. Experience firsthand the benefits of being a member of Virginia Credit Union a place where your financial success is our priority. Together, let's build a brighter future! For more information or assistance, feel free to call us at 804-267-5400 or visit us online at Virginia Credit Union.

Mission Statement

The mission of Koger Center Branch is simple yet powerful: to enhance the financial well-being of our members while contributing positively to the community. We believe that everyone deserves access to quality financial services that can help them achieve their goals. Whether it's through personal banking options like checking and savings accounts or loans for auto financing and mortgages, we strive to provide solutions that make life easier. We're dedicated not only to meeting financial needs but also to giving back. Our partnerships with local organizations allow us to participate in various outreach efforts that strengthen the fabric of our community. By engaging with members through educational programs and financial workshops, we empower individuals with the knowledge they need to make informed decisions.

Branch Location & Accessibility

Call to Action

We invite you to visit us today at the Koger Center Branch! Feel free to call us at 804-267-5400 if you have any questions or need assistance before your visit. Your financial success is important to us, and we're excited to help you achieve your goals at Virginia Credit Union!

Nearby Landmarks and Accessibility

You'll find us nestled conveniently near several key landmarks in North Chesterfield, making it simple for you to drop by. Our location is easily accessible with ample parking available right outside our doors. We are committed to serving all members of the community, including those with mobility challenges; our branch is ADA compliant with features like ramps and accessible entrances.

Operating Hours

At Koger Center Branch, we understand that your time is valuable. That's why we offer flexible operating hours tailored to fit your busy schedule. Our lobby is open Monday through Thursday from 9 a.m. to 5 p.m., extending to 6 p.m. on Fridays for those who need a little extra time. On Saturdays, we're here for you from 9 a.m. until noon.

Services Offered

Our team at Virginia Credit Union provides a variety of essential services designed to meet your financial needs. Whether you're interested in personal banking options like checking and savings accounts or looking into auto loans and mortgages, we've got you covered. Additionally, our drive-thru service allows for quick transactions such as deposits and withdrawals without leaving your vehicle. For added convenience, we also offer ATM access for cash withdrawals and balance checks anytime you need them.

Member Eligibility

Becoming a member of Virginia is like joining a family that truly cares about your financial well-being. If you're looking to enjoy personalized service and community support, we'd love to welcome you! You may be eligible for membership if you live, work, or worship in our local community or are related to someone who does. This means that even if you're just visiting the area, you can still take part in all the benefits we offer. To find out more about specific eligibility criteria, please check out this resource: http://www.vacu.org/why-vacu/become-a-member. Joining is simple and straightforward! Once you confirm your eligibility, opening an account is just a few clicks away. You can start the process online at https://olb.vacu.org/vacuonlinebanking/sdk/autoenrollmente2e/accountrecovery, or feel free to give us a call at (804) 267-5400 if you have any questions or need assistance. We're here to help you every step of the way and look forward to having you as part of our community at Virginia, located at 1200 Koger Center Blvd North Chesterfield Va 23235!

Business Banking & Commercial Services

Member Commercial Loans

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. Each loan reflects our dedication to empowering local entrepreneurs and fostering community development.

Non-Member Commercial Loans

We also believe in the power of collaboration across the business community: - We provide $2 in non-member commercial loans, offering flexible financing solutions that adapt to various needs. Whether you're looking to invest in equipment or manage cash flow, we are here for you.

Outstanding Commercial Loans

With an outstanding commercial loan portfolio of $857,239,944, we continue to drive economic growth by financing new and expanding businesses. Our knowledgeable team is ready to guide you through the process, ensuring you find the right fit for your unique circumstances. In addition to loans, our merchant services streamline payment processing, helping you focus on what matters most running your business effectively. At Virginia, we're not just a bank; we're your partner in success. Visit us at 1200 Koger Center Blvd North Chesterfield Va 23235, North Chesterfield, VA, or call us at (804) 267-5400 to learn more about how we can assist you!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, we know that managing finances can be challenging. Our Business Banking services include essential tools like merchant services and business loans to help you grow your venture. We're here to support your success with tailored solutions that fit the unique needs of your business.

Digital and Convenient Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features allow you to manage your accounts anytime, anywhere from checking balances and transferring funds to paying bills on the go. Want cash quickly? Take advantage of our ATM & Cash Withdrawal Services, available 24/7 for easy access. If you prefer personal interactions but still want efficiency, our Basic Drive-Thru Banking offers simple transactions like deposits and withdrawals without needing to leave your car.

Join Us Today!

At Virginia, we are more than just a credit union; we are a community focused on helping each member thrive financially. If you're ready to explore all that we offer or have any questions about how we can assist you further, don't hesitate to reach out! Call us at (804) 267-5400 or visit us today at 1200 Koger Center Blvd North Chesterfield Va 23235. Let's work together towards achieving your financial dreams!

Personal Banking Solutions

For individuals seeking straightforward banking solutions, we offer Personal Banking options that include checking and savings accounts designed to fit your lifestyle. Imagine having a place where your money grows safely while being easily accessible when you need it. Whether you're saving for a vacation or managing day-to-day spending, our accounts can help you achieve your financial goals. When it comes to financing your vehicle, our Auto Loans & Vehicle Financing provide flexible terms and competitive rates. Picture driving off in your dream car without the stress of complicated financing. We also understand that buying a home is one of the biggest decisions you'll make. That's why our Mortgage Loans & Refinancing services are here to guide you through the process smoothly, ensuring you get the best deal possible. If unexpected expenses arise or if you need to consolidate debt, our Personal Loans & Debt Consolidation options can ease your financial burden. Plus, with our Credit Cards with Rewards, every purchase earns you points towards something special.

Digital & Online Banking

Key Services Available

Visit us online at https://www.vacu.org/ to explore our comprehensive online banking services. You can check your account balances, transfer funds, and pay bills all from the comfort of your home or while on the go. Our 24/7 online banking ensures that you have access to your finances whenever you need it. Need to send money quickly? Our person-to-person transfer feature makes it simple to send funds to friends and family without hassle. Plus, with mobile payments, you can pay directly from your smartphone, making transactions smoother than ever.

Security and Convenience

Your security is our priority. At Virginia, we use advanced technology to protect your information while allowing you the freedom to manage your finances securely. Whether you're using our mobile application available for download to check statements or authorize electronic signatures for documents, rest assured that everything is encrypted and safe. You can also opt for e-statements, which are not only more environmentally friendly but also allow you to access your financial records anytime. This means no more paper clutter; just straightforward management of your accounts. In summary, whether you're checking balances or making payments, our digital and online banking services provide a convenient way for you to stay on top of your finances. Experience the ease of banking with us today!

Financial Strength

A Trusted Partner for Your Future

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 1200 Koger Center Blvd North Chesterfield Va 23235 or call (804) 267-5400 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secure with us. We have $1,429,388,412 in share certificates and $1,981,382,719 in money market shares, offering stable and rewarding financial growth opportunities tailored for our members. 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 operational efficiency is reflected in our $7,828,991, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 1,075 full-time employees and 33 part-time employees, ensuring that our branches are always ready to serve you with a knowledgeable, committed team. Additionally, we have a strong base of trust as shown by our Total Share Accounts: 724,126, demonstrating that many members rely on us for their financial needs.

Our Solid Financial 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. This net worth is complemented by our net worth ratio of 12.52%, which demonstrates a solid capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting in Our Community

Our commitment to you is further demonstrated through our impressive $535,373,270 in undivided earnings. These funds allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We also support your financial goals with $69,956 in used auto loans and $5,269,983,304 in total loans and leases. This diverse lending capacity ensures that we can meet the various needs of our community effectively.

Loan Offering

Additional Financing Options

For business owners, our outstanding commercial loans totaling $857,239,944 provide the capital needed to grow and expand your ventures. We recognize the importance of supporting local businesses and are committed to offering products that can help you thrive. Whether you're looking for a new car, planning to buy a home, or need help managing expenses with a credit card, Virginia is here for you. We encourage you to explore our refinancing options if you're considering switching lenders or want better terms on your existing loans. For more information about eligibility and how to get started with any of our loan offerings, feel free to give us a call at (804) 267-5400, or visit us at our branch located at 1200 Koger Center Blvd North Chesterfield Va 23235 in North Chesterfield, 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.

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 financing a brand-new model or a reliable used vehicle, we have flexible terms designed to make your purchase more manageable.

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 home-buying process with clear guidance and competitive rates.

Unsecured Credit Cards

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. Our credit cards come with various rewards and benefits tailored to enhance your spending experience.

Loan Aggregator

Building Trust Through User Experiences

Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underscore the platform's reliability and commitment to helping individuals secure the best possible rates. 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.

How LendMesh Ensures 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 rigorous sourcing ensures that users receive fair and transparent offers without hidden fees or misleading information. LendMesh stands out in several key areas: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions.

VIRGINIA FEDERAL CREDIT UNION - North Chesterfield, VA

Type of Loan Offerings

Home Equity Loans

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Loan rates in North Chesterfield, VA (23235)