Veridian Credit Union Richmond VA | Quick Personal Loans & Top Checking

Introduction

Welcome to the Short Pump Branch of Virginia Credit Union, where your financial well-being is our top priority! Located at 4001 Lauderdale Dr, Richmond, VA 23233, we have been serving our community since 1928. With over 489,137 members and a commitment to providing personalized service, we understand that every financial journey is unique. At Virginia Credit Union, we pride ourselves on offering a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, our total assets exceed $6.9 billion, ensuring we have the resources to support you in achieving your financial goals. We currently hold more than $56.7 million in deposits, reflecting our members' trust in us as their financial partner. Led by our dedicated CEO, Christopher Shockley, and Board President Kenneth Ampy, our team of over 1,100 employees is here to help you navigate your financial decisions with confidence. Our branch is equipped with modern conveniences like online and mobile banking, making it easier for you to manage your finances anytime, anywhere. While members can visit us at our physical location, please note that official correspondence should be sent to our mailing address: P.O. Box 90010, Richmond, VA 23225-9010. If you're looking for a credit union that values community impact and member satisfaction as much as you do, look no further! Whether you're interested in opening an account or exploring loan options our friendly staff is just a phone call away at 804-360-7607. Join us today at the Short Pump Branch or visit us online at Virginia Credit Union to learn more about how we can assist you on your financial journey!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become part of our story. Experience firsthand how Virginia can help you reach your financial goals while being an active participant in our vibrant community. Whether you're seeking guidance on loans or simply want a safe place for your savings, we are here for you. Discover what it means to be part of something bigger at Virginia your trusted financial partner in Richmond. Join us today and let's build a brighter tomorrow together! For more information or to get started, call us at (804) 360-7607 or visit us online at https://www.vacu.org/.

Our Evolution

From the beginning, our mission has been clear: to empower individuals and families with the financial tools they need to achieve their dreams. We have continuously evolved to meet the changing needs of our members, expanding our services and adopting new technologies while maintaining our commitment to personal service. Today, with total assets reaching $6,917,912,589, we offer a wide range of products including personal banking, auto loans, mortgages, credit cards, and business banking solutions. Our operating hours are designed with your convenience in mind: Lobby hours are Monday through Thursday from 9 a.m. to 5 p.m., Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 12 p.m. For those who prefer drive-thru banking, we're open Monday through Friday from 9 a.m. to 6 p.m., allowing you to manage your finances on your terms.

Our Mission

At the core of Virginia is our unwavering mission to support not just financial well-being but also community growth. We believe in giving back through various outreach initiatives and partnerships that uplift those around us. We strive to create an inclusive environment where everyone feels welcome and valued. While members can visit us at 4001 Lauderdale Dr Richmond Va 23233, official correspondence should be sent to P.O. Box 90010, Richmond, VA 23225-9010 if you need assistance via mail. Additionally, we understand the importance of accessibility; therefore, we provide ATM services along with ADA-compliant facilities for all our members.

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with your convenience in mind. We offer ample parking spaces, making it easy for you to drop by for your banking needs. Plus, our location is fully compliant with ADA standards, ensuring accessibility for everyone. If you're looking to complete simple transactions on-the-go, we also have a drive-thru service available during operating hours.

Get in Touch

Ready to experience the difference? Feel free to give us a call at 804-360-7607 if you have any questions or would like more information about our services. Our dedicated team is eager to assist you! Come visit us at the Short Pump Branch today; we look forward to welcoming you!

Operating Hours

We understand that your time is valuable. That's why we've tailored our hours to fit your busy schedule. Visit us Monday through Thursday from 9 a.m. to 5 p.m., and on Fridays until 6 p.m. Need some Saturday banking? We're open from 9 a.m. to 12 p.m., so you can get things done when it works best for you!

Services Offered

At Short Pump Branch, we pride ourselves on offering a wide range of services to meet all your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our ATM services are available for quick cash withdrawals and balance checks any time of day, while our drive-thru allows for easy deposits and withdrawals without leaving your car. While members can visit us at 4001 Lauderdale Dr Richmond Va 23233, official correspondence should be sent to P.O. Box 90010, Richmond, VA 23225-9010.

Member Eligibility

Becoming a member of Virginia is like joining a family where your financial needs are truly understood and prioritized. If you live, work, worship, or attend school in the areas served by us, you're likely eligible to join! We believe in inclusivity, so we welcome individuals from various backgrounds and experiences. Joining means gaining access to a range of benefits designed to help you thrive financially, including personalized banking solutions and competitive loan options. The process to become a member is straightforward and friendly! You can find all the specific eligibility details at http://www.vacu.org/why-vacu/become-a-member, which will guide you through what it takes to get started. Once you're ready, opening an account is simple just head over to https://olb.vacu.org/vacuonlinebanking/sdk/autoenrollmente2e/accountrecovery to begin your journey with us. If you have any questions or need assistance along the way, don't hesitate to call us at (804) 360-7607. We're excited to welcome you into our community at Virginia, located at 4001 Lauderdale Dr Richmond Va 23233!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine the ease of accepting payments quickly and securely while focusing on what you do best running your business. Our merchant services are designed to streamline payment processing, making it simple for you to manage transactions. Whether you're in retail, service, or e-commerce, we provide the tools that help your business thrive. Discover how Virginia, located at 4001 Lauderdale Dr Richmond Va 23233, can be your partner in success. Reach out today at (804) 360-7607 to learn more about our business banking solutions!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

For small business owners, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. We understand how vital it is to have reliable financial support as you grow your business.

Convenient Digital and In-Person Services

In today's busy world, convenience matters. Our robust Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, handling your finances has never been easier. For those who prefer face-to-face interaction, our branch offers ATM & Cash Withdrawal Services, along with basic drive-thru banking for deposits, withdrawals, and simple transactions all designed to save you time.

Easy Access When You Need It

Need cash on the go? Our ATMs provide easy access for withdrawals and balance checks. Plus, our drive-thru service is available during regular hours so that you can complete transactions without stepping inside the branch. At Virginia, we strive to meet all your financial needs under one roof. Our friendly staff is ready to help you choose the right services tailored just for you. Ready to take the next step? Visit us at 4001 Lauderdale Dr Richmond Va 23233 or check out our website at Short Pump Branch for more information on how we can assist you today!

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for a big purchase, our Personal Banking options have you covered. We offer various Checking & Savings Accounts designed for different lifestyles and needs, ensuring that your money works hard for you. If you're considering a new vehicle, our Auto Loans & Vehicle Financing make it easy to get behind the wheel without breaking the bank. We also provide Mortgage Loans & Refinancing options, perfect for those looking to buy their dream home or refinance an existing mortgage for better rates. And if you need quick cash, our Personal Loans & Debt Consolidation can help you manage expenses and consolidate debt into manageable payments.

Rewarding Credit Options

Our members enjoy the benefits of Credit Cards with Rewards, allowing you to earn points on everyday purchases that can be redeemed for travel, merchandise, or even cashback. It's a simple way to maximize your spending while enjoying perks.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. With the added benefit of electronic signature authorization, signing documents has never been simpler or more secure. Plus, you can opt for e-statements, which not only reduce paper clutter but also give you easy access to your financial history. For those on the go, our mobile application provides all the features of online banking right at your fingertips. Whether you're making person-to-person transfers or using mobile payments for quick purchases, you'll find everything you need in one user-friendly app.

Security and Accessibility

We prioritize your security with robust measures that protect your information while ensuring a smooth banking experience. Our services are designed for ease of use, so whether you're tech-savvy or just starting out with digital banking, you'll find it accessible and straightforward. At Virginia, we believe in empowering our members with real-time account management tools that fit their lifestyle. Explore all that our digital and online banking services have to offer by visiting https://www.vacu.org/ 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. We pride ourselves on our strong financial foundation, which ensures that we can support your financial journey with confidence. 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; with $69,956 in used auto loans and $5,269,983,304 in total loans and leases, we're here to support your financial goals across various sectors. 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. 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 4001 Lauderdale Dr Richmond Va 23233 or call (804) 360-7607 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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we've got you covered.

Business Loans

For business owners, our outstanding commercial loans totaling $857,239,944 provide the capital needed to grow and expand your business operations. We understand that every business is different, and we're here to tailor solutions that work for you.

Credit Lines

If you're looking for extra financial flexibility, consider our credit lines that total $1,367,123,877. This option allows you to borrow as needed while only paying interest on the amount you use.

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 provide personalized support throughout the process, ensuring you find the right mortgage solution for your situation.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we have options available that can help lower your payments and improve your overall financial situation. Don't hesitate to ask about eligibility criteria and how we can assist with this process. For more information on our loan offerings or to discuss which product may be best for you, please feel free to contact us at (804) 360-7607 or visit us at 4001 Lauderdale Dr Richmond Va 23233 in Richmond, VA. Our dedicated team is here to guide you through every step of your borrowing 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.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, but our flexible terms on unsecured credit card loans can help. With a total of $377,328,022 in loans available, our credit cards are designed to give you the purchasing power you need while keeping your finances in check.

Loan Aggregator

Benefits of Using LendMesh

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VIRGINIA FEDERAL CREDIT UNION - Richmond, VA

Type of Loan Offerings

Home Equity Loans

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Loan rates in Richmond, VA (23233)