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

Introduction

Welcome to Virginia, a trusted name in community banking since 1928. Located at 2420 Fairmount Ave, Richmond, VA 23223, our branch stands as a cornerstone for local residents, offering comprehensive financial services tailored to meet your needs. With an impressive total membership of 489,137, we take pride in serving our community with dedication and integrity. At Virginia, we understand that every dollar matters. Our members benefit from our robust financial position, boasting total assets of $6,917,912,589 and total deposits reaching $56,795,311. With a net worth of $715,618,876, we are committed to maintaining the strength and stability you can count on. We offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Led by our CEO, Christopher Shockley, and Board President Kenneth Ampy, our team is dedicated to providing exceptional service. Together with our staff of over 1,100 employees, we strive to create a welcoming environment where members feel valued and supported. While you can visit us at the above address for all your banking needs, please note that official correspondence should be directed to our mailing address at 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. Explore the benefits of membership today! Whether you're looking to open an account or inquire about loans and financing options, don't hesitate to reach out at 804-799-6315 or visit us online at vacu.org. Join us in making your financial goals a reality!

Branch History & Mission

At Virginia Credit Union, we take pride in our rich history and commitment to our members. Established in 1928, our Church Hill branch has grown alongside the community it serves in Richmond, VA. Over the years, we have become a cornerstone for financial support and guidance, with a total membership of 489,137. Our journey reflects our dedication to providing exceptional service and fostering strong relationships with our members. Located at 2420 Fairmount Ave, Richmond, VA 23223, our branch is easily accessible for anyone in the area. We are proud to be a part of this vibrant community and are committed to offering personalized financial solutions that meet the needs of our diverse membership. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. Our mission is simple yet powerful: to empower individuals and families through access to affordable financial services while supporting initiatives that enhance the well-being of our community. We believe that everyone deserves a chance at financial success, and we work tirelessly to make this possible by providing competitive products like checking accounts, auto loans, mortgages, and credit cards with rewards. As we continue to evolve in response to the changing needs of our members, we've embraced digital advancements that make banking easier than ever. Our online banking platform provides members with convenient access to their accounts anytime, anywhere. Whether it's making payments or checking balances, we prioritize ADA compliance and ensure that everyone can access our services seamlessly. In addition to enhancing our digital services, we take pride in our community outreach efforts. Our partnerships with local organizations help us give back and create positive change right here in Richmond. From financial literacy programs to charitable initiatives, we aim to uplift those around us because we understand that when one member thrives, we all thrive together. With total assets exceeding $6.9 billion and a commitment to excellent service demonstrated through ongoing staff training and development programs for over 1,100 employees, we are dedicated to ensuring that you receive the best possible experience when you choose Virginia Credit Union. We invite you to join our growing family today! Experience firsthand how Virginia Credit Union can help you achieve your financial goals while being an active part of a supportive community. Visit us during our operating hours Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM or give us a call at 804-799-6315. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. The branch is fully ADA compliant, featuring ramps and designated parking spaces to ensure everyone can visit us comfortably.

Call to Action

Ready to take the next step in your financial journey? Visit us at the Church Hill branch or give us a call at 804-799-6315. We look forward to serving you!

Nearby Landmarks and Parking

Our Church Hill branch is just a stone's throw away from popular local spots like the historic St. John's Church and the scenic Libby Hill Park. With ample parking available right outside the branch, you can enjoy hassle-free access while you handle your banking needs.

Operating Hours and Services

We're open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM, making it easy for you to stop by during your busy week. Our friendly staff is ready to assist you with a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. Plus, we offer convenient ATM access for quick cash withdrawals and balance checks.

Member Eligibility

Joining the Virginia community is a wonderful step towards better financial health and support. To become a member, you simply need to meet some friendly eligibility criteria, which are designed to welcome as many people as possible. Generally, anyone who lives, works, worships, or attends school in the Richmond area is eligible to join us. This means that if you're part of this vibrant community, you're already on your way to enjoying the benefits of our services. Not only do we offer competitive rates and personalized service, but becoming a member at Virginia also gives you access to a range of financial products tailored just for you. Getting started is easy! You can find all the detailed eligibility information at this link. If you have any questions or want to learn more about opening an account, feel free to call us at (804) 799-6315 or visit us at our branch located at 2420 Fairmount Ave Richmond Va 23223. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

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

Imagine having the tools you need to accept payments easily and securely, allowing you to focus on what matters most running your business. Our merchant services provide reliable solutions that help streamline transactions and enhance customer satisfaction. From point-of-sale systems to online payment options, we equip you with everything necessary to thrive in today's competitive market. Located at 2420 Fairmount Ave Richmond Va 23223 in Richmond, VA, we're dedicated to partnering with you on your journey to success. Visit us or call (804) 799-6315 to learn how our business banking and commercial services can empower your enterprise!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our ATM services allow for easy withdrawals and balance checks at locations convenient for you. Plus, having access to an ATM ensures that you have quick access to funds when you need them most. At Virginia, we are committed to making banking as accessible as possible for all our members. You can reach us at (804) 799-6315 during our lobby hours from Monday through Friday 9 AM - 5 PM and Saturday 9 AM - 12 PM. Ready to explore how we can assist you? Visit us at Church Hill or give us a call today! We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing solutions make it easy. We offer competitive rates and flexible terms that fit your budget, whether you're buying new or used. Imagine driving off in your dream car without the stress of high monthly payments!

Business Banking

If you're a business owner, our business banking services, including merchant services and business loans, are tailored just for you. We understand that running a business comes with its own set of challenges, which is why we're dedicated to providing solutions that help simplify your banking needs so you can focus on what matters most growing your business.

Credit Cards with Rewards

For those who love to earn while they spend, our credit cards with rewards offer an excellent way to make the most out of everyday purchases. Enjoy benefits like cash back or travel rewards that can enhance your spending experience while keeping track of your finances effortlessly.

Mortgage Loans & Refinancing

If owning a home is part of your plan, check out our mortgage loans and refinancing options. We provide guidance through the mortgage process, ensuring you find the right loan for your situation. Our team will work closely with you, helping to demystify terms and conditions so that you can secure a home that's truly yours.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Access your accounts anytime, anywhere! With capabilities such as person-to-person payments and electronic statements, managing your finances has never been easier.

Personal Banking

Our personal banking services are tailored to meet the diverse needs of our members. From checking and savings accounts that help you manage daily transactions and build savings, to personal loans and debt consolidation options that assist with unexpected expenses or consolidating bills into one manageable payment, we're here to help you navigate life's financial challenges.

Digital & Online Banking

Key Features

Managing your money is simple with features like e-statements and electronic signature authorization. By opting for e-statements, you'll receive your account statements electronically making it easier to stay organized while reducing paper clutter. Our electronic signature option allows you to sign documents securely online, saving you time and hassle. If you're always on the move, you'll love our mobile application. It gives you instant access to your accounts right from your smartphone. With mobile payments enabled, making purchases or paying friends through person-to-person transfers is a breeze just a tap away!

Security & Accessibility

Your security is a top priority for us. Our online platform is equipped with advanced security features to keep your information safe while giving you peace of mind as you manage your finances. We aim to make banking not just easy but also secure. With everything available at your fingertips, managing your finances has never been more accessible or user-friendly. Join us at Virginia today and experience the future of banking through our innovative digital services!

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 ability to lend is robust; we currently have $69,956 in used auto loans and $5,269,983,304 in total loans and leases, supporting members' financial goals across various sectors.

Growing Membership Base

Total Share and Deposit Accounts stand at 724,126, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $4,372,625, which enhances our ability to support all our members effectively. 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 2420 Fairmount Ave Richmond Va 23223 or call (804) 799-6315 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. 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 strong financial performance is evident with a net income of $7,828,991, reflecting our operational efficiency. This success enables 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 ready to serve you with a knowledgeable 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 cater to both new and used vehicles, ensuring that you find the financing option that suits your needs best.

Contact Us

Ready to explore which loan option is right for you? Reach out to us at (804) 799-6315 or visit us at our branch located at 2420 Fairmount Ave Richmond Va 23223, Richmond, VA. Our team is here to assist you from Monday to Friday between 9 AM and 5 PM and Saturday from 9 AM to 12 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward your financial success!

Credit Lines

For those needing additional flexibility, our credit lines provide instant access to funds when you need them. With $1,367,123,877 available, this product can be a great way to handle unexpected expenses or plan for larger purchases.

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 provide various refinancing options to help you save on your mortgage payments.

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 cards come with competitive interest rates and no hidden fees, allowing you to spend within your means while building credit.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, having a reliable tool like LendMesh can make all the difference in securing favorable terms. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that the information you receive is based on the latest results from institutions that follow strict regulations to promote fairness and transparency (Source: https://www.ncua.gov). By gathering this data directly, LendMesh guarantees that users are comparing offers that are both legitimate and competitive. The benefits of using LendMesh extend beyond just accurate data. For instance, all loan offers come from verified financial institutions, which fosters trust among users. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions, ensuring that you see unbiased results tailored to your specific needs. The platform also provides real-time rate comparisons from multiple institutions, empowering users to make informed decisions quickly and easily. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of the tool in helping individuals secure better financial deals. 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.

VIRGINIA FEDERAL CREDIT UNION - Richmond, VA

Type of Loan Offerings

Home Equity Loans

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Loan rates in Richmond, VA (23223)