Veridian Credit Union Richmond VA | Top Checking & Reward Credit Cards

Introduction

At Virginia, we understand that banking is about more than just numbers; it's about building a community and creating lasting relationships. Located conveniently at 1204 E Cary St, Richmond, VA 23219, our branch has been a trusted financial partner since 1928. With over 489,137 members, we're proud to offer personalized services designed to meet your unique needs. While members can visit us at our branch location, official correspondence should be sent to 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. Our commitment to serving you goes beyond just transactions we aim to empower our members through financial education and support. With total assets exceeding $6.9 billion and total deposits of $56,795,311, we maintain a strong financial foundation. Our robust offerings include everything from personal checking accounts to auto loans and business financing. Whether you're looking to purchase your first car or expand your business, we have the resources to help you succeed. Our dedicated team of 1,108 employees, led by CEO Christopher Shockley and Board President Kenneth Ampy, is here for you every step of the way. We believe in transparency and are proud of our financial health, with a net worth of $715,618,876 and cash in hand amounting to $39,498,524. We invite you to experience the Virginia difference firsthand. Feel free to reach out by calling us at 804-718-6940 or visit our website at vacu.org for more information. Together, let's build a brighter financial future!

Branch History & Mission

At Virginia, we take pride in our rich history and commitment to our community. Established in 1928, our branch has grown alongside the city of Richmond, serving as a trusted financial partner for generations. Our journey began with a small group of visionaries who wanted to create a financial institution dedicated to helping individuals and families achieve their dreams. Located at 1204 E Cary St, Richmond, VA 23219, our branch is easily accessible for all members. Just a stone's throw away from local landmarks, we are proud to be part of this vibrant community. Over the years, we've evolved to meet the changing needs of our members while maintaining our core values of integrity, service, and support. Today, Virginia boasts a total membership of 489,137 and assets amounting to an impressive $6,917,912,589. This growth reflects not only our dedication to providing excellent financial services but also our commitment to community outreach and support. We believe that banking is about more than just numbers; it's about people. Our mission is simple yet powerful: we strive to improve the financial well-being of our members by offering personalized banking solutions and resources. From personal checking accounts to auto loans and mortgages, we aim to empower every member through education and access to financial tools that make life easier. While members can visit us at 1204 E Cary St for in-person assistance during our operating hours from Monday to Friday, 9 AM to 5 PM, official correspondence should be sent to our mailing address at 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. As technology advances, we remain committed to being accessible and user-friendly. With online banking services available, including mobile payments and e-statements, managing finances has never been easier. We're also dedicated to ensuring ADA compliance so that everyone in our community can access our services without barriers. In addition to providing financial products, we actively engage in partnerships with local organizations aimed at enhancing the lives of those around us. Whether it's sponsoring community events or offering financial literacy programs in schools, we believe in giving back because a strong community leads to stronger futures. Join us at Virginia and experience the difference that comes from being part of a credit union focused on people rather than profit. Together, we can build a better tomorrow! For more information or to become a member today, please call us at 804-718-6940 or visit us online at www.vacu.org.

Branch Location & Accessibility

Welcome to Virginia's Shockoe Slip branch, conveniently located at 1204 E Cary St in the vibrant city of Richmond, VA. Whether you're a long-time member or considering joining our community, you'll find that our location is designed with your needs in mind. Just a stone's throw away from local landmarks and bustling streets, we're easy to reach and ready to serve you. For those who need to send official correspondence, please note that our mailing address is 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. While visiting us at our branch on Cary Street, you'll appreciate the accessibility features we have in place, including ADA-compliant entrances and convenient parking options. Our friendly team welcomes you Monday through Friday from 9 AM to 5 PM. No matter if you're stopping by for everyday banking needs or exploring our wide range of services from checking and savings accounts to auto loans and mortgages our staff is here to assist you every step of the way. As an added convenience, we also offer ATM services for quick cash withdrawals and balance checks right at your fingertips. However, please note that we currently do not have drive-thru banking available at this location. We invite you to come visit us at Shockoe Slip! If you have any questions or need assistance before your visit, feel free to give us a call at 804-718-6940. We look forward to helping you achieve your financial goals!

Member Eligibility

At Virginia, we believe that joining our community is more than just opening a bank account it's about being part of a supportive family. If you're wondering how to become a member, it's quite simple! We welcome individuals who live, work, worship, or go to school in the areas we serve. Our commitment is to make banking accessible and beneficial for everyone, so whether you're just starting out or looking for better financial options, you're invited to explore what we offer. You can learn more about the specific eligibility criteria by visiting http://www.vacu.org/why-vacu/become-a-member. Once you see that you're eligible, opening an account with us is an easy process. Just head over to https://olb.vacu.org/vacuonlinebanking/sdk/autoenrollmente2e/accountrecovery to get started. If you have any questions along the way, don't hesitate to reach out at (804) 718-6940. Our friendly team is here to help you every step of the way as you take this exciting step towards better financial health at our branch located at 1204 E Cary St Richmond Va 23219. Welcome aboard!

Business Banking & Commercial Services

Business Loans That Empower 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 Tailored for You

Imagine having the tools to accept payments effortlessly, manage cash flow, and streamline transactions. Our merchant services provide businesses like yours with reliable solutions that make everyday operations smoother. From mobile payment options to comprehensive reporting tools, we help you focus on what matters most growing your business. Located at 1204 E Cary St Richmond Va 23219 in Richmond, VA, we invite you to explore how our tailored financial products can support your unique business needs. Reach out today at (804) 718-6940 to learn more about how we can partner with you for success!

Comprehensive List Of Services

Business Services

For entrepreneurs and small business owners, we offer specialized Business Banking services, including merchant services and business loans. We understand that running a business involves many challenges, and we're here to provide the financial support necessary for growth and success.

Credit Cards

To add more value to your spending, consider our Credit Cards with Rewards. Not only do they provide convenience, but they also allow you to earn rewards on purchases turning everyday spending into exciting benefits.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we prioritize Online & Mobile Banking, giving you access to your accounts anytime and anywhere. With features like ATM cash withdrawal services and basic ATM access for balance checks and withdrawals, managing your finances has never been easier. At Virginia, we're committed to providing comprehensive financial solutions tailored just for you. If you're ready to explore how we can assist with your banking needs or if you have any questions about our services, don't hesitate to reach out at (804) 718-6940 or visit us in person at 1204 E Cary St Richmond Va 23219 in Richmond, VA. Your journey toward financial wellness starts here!

Home Ownership

When it comes to finding a home, our Mortgage Loans & Refinancing options can support you every step of the way. Whether you're buying your first home or refinancing an existing mortgage for better rates, our knowledgeable staff is here to guide you through the process smoothly.

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options, including checking and savings accounts designed for everyday use. Imagine having a reliable account where your money is safe and accessible, allowing you to plan for future goals or cover unexpected expenses with ease.

Personal Loans

Sometimes life throws us curveballs, and having access to funds can make all the difference. Our Personal Loans & Debt Consolidation services are designed to give you the financial boost you need, whether it's for unexpected expenses or consolidating debt into manageable payments.

Vehicle Financing

For those considering a new set of wheels, our Auto Loans & Vehicle Financing are crafted to help you drive away with confidence. We provide competitive rates and flexible terms, making it easier than ever to finance the vehicle that suits your lifestyle. Picture yourself on the road in that new car you've been eyeing!

Digital & Online Banking

Accessibility and Real-Time Management

With our commitment to accessibility, you'll find that monitoring your finances is straightforward and hassle-free. All features are designed with simplicity in mind, ensuring that even those who aren't tech-savvy can navigate their accounts easily. From real-time alerts about account activity to the ability to deposit checks using your mobile device, we provide all the tools you need for effective account management. In summary, whether you're at home or out and about, Virginia's digital and online banking services are here to support you every step of the way. Visit us today at https://www.vacu.org/ to explore how we can help simplify your banking experience!

Key Features

Our online banking services are packed with user-friendly features that prioritize both convenience and security. You can enjoy the ease of E-Statements, which allow you to view your account statements digitally no more waiting for paper statements in the mail. Plus, with Electronic Signature Authorization, signing documents has never been simpler or more secure. If you're always on the go, our mobile application lets you manage your accounts right from your smartphone. Make mobile payments effortlessly and conduct person-to-person transfers with just a few taps. Need to send money to a friend? Our person-to-person transfer feature makes it quick and easy.

Financial Strength

Commitment to Growth

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

Growing Member Trust

Total Share Accounts stand at 724,126, showcasing a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments) amount to $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 1204 E Cary St Richmond Va 23219 or call (804) 718-6940 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

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 operational efficiency is reflected in our $7,828,991, 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.

Strong Financial Position

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 Services

If you're looking for ways to manage your current loans better, refinancing options are available at Virginia. We encourage you to reach out for more information about eligibility requirements and how we can assist you further. Feel free to contact us at (804) 718-6940 or visit us at our branch located at 1204 E Cary St Richmond Va 23219 in Richmond, VA. Our dedicated team is ready to help you find the right loan product for your financial journey. 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 dependable used vehicle, we have options to suit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $857,239,944 provide the capital needed to grow and expand your business. We're here to support local businesses with tailored solutions that fit your specific needs.

Credit Card Options

Managing day-to-day expenses can be easier with our 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. With rewards programs available, you can earn while you spend.

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 provide competitive rates and flexible terms to help you secure the home of your dreams.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for every user. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them find the best options quickly and easily. 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 kind of feedback highlights the platform's effectiveness and reliability in assisting borrowers. 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 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 commitment to sourcing ensures that all offers presented on LendMesh are fair and transparent, allowing users to make informed decisions without worrying about hidden fees or misleading information.

VIRGINIA FEDERAL CREDIT UNION - Richmond, VA

Type of Loan Offerings

Home Equity Loans

Compare Loan Rates Near You

Loan rates in Richmond, VA (23219)