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

Introduction

Welcome to Virginia, your trusted financial partner nestled in the heart of Richmond at 10 N Nansemond St Ste 6. Established in 1928, we have proudly served our community for over 95 years, and today we are a strong family of 489,137 members. With total assets exceeding $6.9 billion, we are committed to providing you with exceptional banking services that meet your needs. At Virginia, we believe in empowering our members through personalized solutions. Whether you're looking for checking and savings accounts, auto loans, or business financing, we have options tailored just for you. With a solid net worth of $715,618,876 and cash reserves of $39,498,524, you can trust us to safeguard your financial future. Our leadership team, led by CEO Christopher Shockley and Board President Kenneth Ampy, is dedicated to ensuring that every member feels valued and supported. We take pride in our team of 1,108 employees, who work tirelessly to serve you better. While members can visit us at our Richmond branch, official correspondence should be sent to our mailing address: 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. We invite you to explore our range of services online at Virginia Credit Union or give us a call at 804-323-6000. Join us on this journey towards financial well-being your future starts here!

Branch History & Mission

Community Focus

In addition to traditional banking services, we are proud to offer modern conveniences such as online banking and mobile payment options. This commitment ensures that banking remains accessible no matter where you are. With an ATM available for withdrawals and balance checks and operating hours designed for your convenience Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to noon we aim to make your experience easy and efficient. Join us at Virginia and discover how we can help you achieve your financial dreams while being part of a community-focused organization that truly cares. Your journey starts here! For more information or assistance, feel free to reach out at (804) 323-6000 or visit our website at Carytown Branch. Together, let's build a brighter financial future!

Our Mission

At Virginia, our mission is clear: to serve our members with integrity while fostering financial growth and stability in their lives. We prioritize customer service by ensuring all interactions are friendly and supportive. Our goal is not only to help you reach your financial goals but also to empower you with knowledge about your options. We understand that everyone's financial journey is unique, which is why we offer personalized assistance tailored to your specific needs. From basic checking accounts to complex loan structures, our team is here to guide you every step of the way. While you can visit us at 10 N Nansemond St Ste 6, official correspondence should be sent to 7500 Boulder View Dr, North Chesterfield, VA 23225-4046 if different from your visit.

Our Story

The journey of Virginia began with a simple mission: to provide accessible financial services that empower our members. Over the years, we have embraced change and innovation while remaining true to our core values. We are proud to be part of a long-standing tradition that prioritizes the needs of our community. From humble beginnings, we have expanded our offerings to include personal banking, auto loans, mortgage services, and business banking solutions. Our commitment extends beyond just providing financial products. We strive to create meaningful partnerships within the community and engage in outreach efforts that uplift those around us. Whether through educational workshops or local sponsorships, we believe in giving back and supporting initiatives that enhance the lives of our members and neighbors.

Branch Location & Accessibility

Contact Us

If you have any questions or need assistance, feel free to reach out at 804-323-6000. We're here to help! While members can visit us at our Carytown branch for all their banking needs, please note that official correspondence should be sent to our mailing address at 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. Come by and see how we can support your financial journey today!

Nearby Landmarks and Accessibility

Our branch is situated near popular local landmarks, making it a familiar stop for residents. With ample parking available, you can easily access our services without the hassle of street parking. We are committed to ensuring that everyone can visit us comfortably, featuring ADA-compliant entrances and pathways.

Operating Hours and Services

We understand that convenience matters. Our lobby hours are Monday through Friday from 9 AM to 5 PM, and on Saturdays, we're open from 9 AM to noon. Although we don't have drive-thru banking at this location, our 24-hour ATM ensures you can access your funds anytime. You can count on us for personal banking needs like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more.

Member Eligibility

Becoming a member of Virginia feels like joining a close-knit community where your financial well-being is the priority. If you're looking to become part of our family, you'll be happy to know that membership is open to anyone who lives, works, worships, or attends school in the areas we serve. It's that simple! We're dedicated to supporting our members with a range of financial services tailored just for you. To learn more about the eligibility criteria and see if you qualify, check out this resource: http://www.vacu.org/why-vacu/become-a-member. Opening an account with us is also an easy process! You can visit us at our branch located at 10 N Nansemond St Ste 6 Richmond Va 23221, or give us a call at (804) 323-6000 for any questions you might have. We're here to help make your banking experience smooth and enjoyable. Join us today and discover how being a member at Virginia can enhance your financial journey! For account opening details, visit https://olb.vacu.org/vacuonlinebanking/sdk/autoenrollmente2e/accountrecovery.

Business Banking & Commercial Services

Business Loans That Propel 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 running a retail shop that accepts payments seamlessly from customers using various methods credit cards, mobile wallets, and more. Our merchant services make this possible, ensuring your business operates smoothly while you focus on what you do best: serving your customers. Located at 10 N Nansemond St Ste 6 Richmond Va 23221, Richmond, VA 23221, we invite local businesses to explore how our tailored financial solutions can help them thrive. Reach out at (804) 323-6000 to learn more about how we can support your journey!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our auto loans can make that dream car a reality. With competitive rates and flexible terms, financing your next vehicle is straightforward. Picture yourself driving off in that new car without the stress of complicated paperwork our team is ready to assist you with every detail.

Business Banking

For our business members, we offer specialized services like merchant services and business loans. Whether you're starting a new venture or expanding an existing one, having the right financial tools can make all the difference. Our experienced team understands what businesses need to thrive in today's economy.

Convenience at Your Fingertips

Accessing your accounts has never been easier with our robust online and mobile banking services. From making transfers to managing payments, everything is at your fingertips 24/7. Plus, our ATM services ensure you have cash when you need it without any hassle. As you can see, Virginia is committed to providing comprehensive financial solutions tailored just for you. If you have questions about any of these services or want to get started today, don't hesitate to reach out! Call us at (804) 323-6000 or visit us in person at Carytown Branch. We're excited to help you take control of your financial future!

Credit Cards with Rewards

Our credit cards not only give you purchasing power but also come with rewards that can benefit you over time. Imagine earning points on everyday purchases that lead to discounts on travel or shopping it's just another way we strive to add value to your financial life.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll make. At Virginia, we offer mortgage loans tailored to fit your budget and lifestyle. Whether you're a first-time homebuyer or looking to refinance an existing mortgage for better rates, we're here to guide you through the process.

Personal Banking

Managing your money should be simple. Our personal banking services include checking and savings accounts designed to help you save for both short-term goals and long-term dreams. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to check balances, transfer money, or pay bills anytime, anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans provide quick access to cash when you need it most. Additionally, if you're feeling overwhelmed by debt, consider our debt consolidation options. We can help streamline your payments into one manageable monthly bill.

Digital & Online Banking

In today's fast-paced world, having convenient and secure access to your finances is essential. At Virginia, we understand the importance of being able to manage your money easily, no matter where you are. That's why we offer a variety of digital and online banking services designed to fit your lifestyle. With our 24/7 online banking services available at https://www.vacu.org/, you can check your account balance, pay bills, and transfer funds anytime you need to. You'll appreciate the convenience of managing your accounts from the comfort of your home or on the go. Plus, for those who prefer a hands-on approach, our mobile application makes it even easier to stay connected with your finances. Whether you're shopping or just out and about, you can handle transactions right from your smartphone. Security is a top priority for us. Our platform utilizes electronic signature authorization, ensuring that your transactions are safe and protected. Additionally, opting for e-statements not only helps you keep track of your account activity but also contributes to a greener environment by reducing paper waste. Need to split a bill with friends? Our person-to-person transfers feature allows you to send money quickly and easily without any hassle. And if you're looking for ways to simplify payments, our mobile payments feature lets you make purchases directly from your mobile device making checkout faster than ever. At Virginia, we're committed to providing you with accessible tools that enhance your banking experience. From managing accounts in real time to utilizing secure features designed with your safety in mind, we strive to make banking as straightforward as possible. Explore our full suite of digital services today at https://www.vacu.org/!

Financial Strength

Growing Trust

We're honored to have built a strong relationship with our community, as shown by our Total Share Accounts: 724,126, demonstrating a growing member base that trusts us with their finances. Net Shares (funds available for lending and investments) stand at $4,372,625, reinforcing our ability to meet 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 10 N Nansemond St Ste 6 Richmond Va 23221 or call (804) 323-6000 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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 commitment to supporting your financial goals is evident through our lending capacity; we provide $69,956 in used auto loans and $5,269,983,304 in total loans and leases.

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 $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.

Solid 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. 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

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 make it easy for you to finance your next vehicle, whether it's brand new or pre-owned.

Business Loans

For business owners, our outstanding commercial loans totaling $857,239,944 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment, we have solutions that cater to your business needs. If you're interested in refinancing or checking eligibility options, please feel free to reach out. Our team is ready to assist you every step of the way. For any inquiries or further assistance, don't hesitate to contact us at (804) 323-6000 or visit us at our branch located at 10 N Nansemond St Ste 6 Richmond Va 23221 in Richmond, 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 committed to providing personalized service and look forward to supporting 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 offer flexible terms and competitive interest rates to ensure that your path to homeownership is as smooth as possible.

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. These credit cards can provide you with the purchasing power you need while allowing you to maintain control over your budget.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 ensures that users receive fair and transparent offers. By gathering information only from legitimate lenders, LendMesh guarantees that all loan options presented are credible and trustworthy.

VIRGINIA FEDERAL CREDIT UNION - Richmond, VA

Type of Loan Offerings

Home Equity Loans

Compare Loan Rates Near You

Loan rates in Richmond, VA (23221)