Veridian Credit Union Roanoke VA | Low Mortgage Rates & Rewards Cards

Introduction

At Virginia, we believe in fostering a strong sense of community and financial well-being for our members. Located at 1445 Mexico Way Ne, Roanoke, VA 24012, our Orange Ave Branch has been serving the needs of our community since 1928. With a dedicated team of over 1,100 employees, led by our CEO Christopher Shockley and Board President Kenneth Ampy, we strive to provide personalized service and innovative financial solutions tailored to your unique needs. As a member-focused credit union, we take pride in our impressive financial standing. With total assets exceeding $6.9 billion and deposits totaling $56,795,311, we ensure that your money is safe while also providing competitive loans and investment opportunities. Our commitment to excellence is reflected in our robust membership base of 489,137 members who trust us with their financial journey. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. Whether you need assistance with personal banking services like checking accounts or auto loans, or you're looking into business financing options, we're here to help. Our branch operates Monday through Friday from 7:00 a.m. to 7:00 p.m. and Saturdays from 9:00 a.m. to 12:00 p.m., making it convenient for you to access your accounts and receive support when you need it most. Feel free to reach out by phone at 540-982-8811 or visit us online at www.vacu.org for more information. Join us in building a brighter financial future together because at Virginia Credit Union, your success is our mission!

Branch History & Mission

At Virginia, we proudly stand as a cornerstone of financial support in Roanoke, VA, with a rich history that dates back to 1928. Since our doors first opened at 1445 Mexico Way NE, we've dedicated ourselves to serving our community and fostering growth among our members. With over 489,000 strong in total membership and assets soaring to an impressive $6,917,912,589, our journey reflects both resilience and commitment to the people we serve. Our mission is clear: to provide accessible financial services while uplifting our community through support and outreach. We believe that everyone deserves a chance to thrive financially. Whether it's through personal banking options like checking and savings accounts or auto loans and mortgages, we're here to help you reach your goals. Our efforts extend beyond banking; we actively engage in community programs that make a real difference in people's lives. While members can visit us at our branch address, official correspondence should be sent to 7500 Boulder View Dr, North Chesterfield, VA 23225-4046. Our location is conveniently situated near key landmarks that make it easy for you to access our services. As part of our commitment to modern banking, we've embraced digital advancements. Members can enjoy online and mobile banking solutions that allow for easy account management anytime, anywhere. We also ensure accessibility for all by maintaining ADA compliance across our services. Customer service is at the heart of what we do. Our branch features convenient drive-thru banking hours from 7:00 a.m. to 7:00 p.m., Monday through Friday, making it easier for you to conduct your transactions efficiently. If you need assistance or have questions, don't hesitate to reach out at 540-982-8811. We cherish partnerships with local organizations and are proud of the outreach efforts we've made over the years. By working together with schools and charities, we aim not just to meet financial needs but also to contribute positively to the fabric of Roanoke. Join us at Virginia! Experience firsthand how we can help you achieve your financial dreams while being a part of a supportive community. Together, let's build a brighter future.

Branch Location & Accessibility

Get in Touch

If you have questions or want to learn more about how we can assist you, feel free to call us at 540-982-8811 or visit our website at Virginia Credit Union. We invite you to come by the Orange Ave Branch today your financial journey starts here!

Operating Hours and Services

We understand that life can be busy, which is why we offer flexible operating hours. You can visit us from 7:00 a.m. to 7:00 p.m. Monday through Friday and from 9:00 a.m. to 5:30 p.m. on Saturdays. Additionally, our drive-thru service operates during these hours for quick and convenient transactions without leaving your vehicle. At the Orange Ave Branch, we provide a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we have solutions designed just for you. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it.

Parking and Accessibility Features

At the Orange Ave Branch, we prioritize your convenience. There's ample parking available right outside the branch, with designated spaces for individuals with disabilities. Our facility is ADA-compliant, ensuring that everyone can access our services with ease. If you need any assistance upon arrival, our friendly staff is always ready to help.

Member Eligibility

At Virginia, we believe that becoming a member is like joining a close-knit family where everyone supports each other. If you're looking to become part of our community, the good news is that it's easier than you might think! To be eligible for membership, you generally need to live, work, worship, or attend school in the Roanoke area. We welcome individuals from various walks of life, making it inclusive for all. For more specific eligibility criteria, feel free to check out our detailed guidelines at http://www.vacu.org/why-vacu/become-a-member. Once you find that you're eligible, opening an account with us is a breeze! You can start the process by visiting our online portal at https://olb.vacu.org/vacuonlinebanking/sdk/autoenrollmente2e/accountrecovery or simply give us a call at (540) 982-8811 if you have any questions. We're excited to help you take this step toward financial empowerment and show you all the benefits that come with being a member of Virginia, located at 1445 Mexico Way Ne Roanoke Va 24012. Welcome aboard!

Business Banking & Commercial Services

Commercial 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 a customer walking into your store ready to make a purchase but unsure how to pay. Our merchant services simplify transactions so that you can focus on what matters most: serving your customers. Whether it's credit card processing or mobile payments, we provide tools that make it easy for businesses to accept various payment methods seamlessly. Located at 1445 Mexico Way Ne Roanoke Va 24012 in Roanoke, VA, we're here to support your business banking needs. Connect with us today at (540) 982-8811 to explore how we can partner with you for success!

Comprehensive List Of Services

Accessibility and Support

Our friendly staff at Orange Ave Branch are always ready to assist with any inquiries you may have. Whether you need help setting up online banking or have questions about loans, feel free to reach out via phone at (540) 982-8811. With extended lobby hours open from 7:00 a.m. to 7:00 p.m., Monday through Friday and 9:00 a.m. to 12:00 p.m. on Saturdays we're here when you need us.

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions, including Merchant Services & Business Loans. Whether you're starting a new venture or looking to expand an existing one, we're here to support your business journey.

Credit Card Options

Don't forget about our Credit Cards with Rewards! These cards allow you to earn points or cashback on purchases while managing your spending effectively.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in robust Online & Mobile Banking platforms. You can easily manage your accounts from anywhere pay bills, transfer funds, or check balances all at your fingertips. Our ATM & Cash Withdrawal Services ensure access to cash when you need it most, along with basic drive-thru banking for deposits and withdrawals.

Join Us Today!

Your financial journey deserves a trusted partner like Virginia. Explore our wide array of services tailored just for you and take the first step toward achieving your financial goals today! Visit us or check out more details on our website at https://www.vacu.org/. We look forward to serving you!

Personal Banking Solutions

We understand that everyone has unique financial needs. That's why we offer various personal banking options, including Checking & Savings Accounts tailored for all lifestyles. Whether you're looking to save for a vacation or manage daily expenses, we have accounts designed to fit your needs. When it comes to financing your next vehicle, our Auto Loans & Vehicle Financing options are here to help you hit the road without breaking the bank. With competitive rates and flexible terms, driving away in your dream car is just a click away. If homeownership is on your mind, explore our Mortgage Loans & Refinancing services. We provide guidance through every step of the mortgage process, ensuring you find the right loan for your circumstances. Plus, if you're looking to simplify your finances, consider our Personal Loans & Debt Consolidation, which can help streamline payments and reduce monthly stress.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you have the freedom to check your balance, transfer funds, and pay bills at your convenience. Just visit us at https://www.vacu.org/ to get started. You can also enjoy e-statements, which provide a quick and eco-friendly way to keep track of your account activity. No more waiting for paper statements in the mail! For those who prefer mobile banking, our mobile application offers all the features you need right at your fingertips. Need to send money to a friend? Our person-to-person transfers make it simple and fast. Plus, with our mobile payments feature, you can make purchases directly from your phone perfect for those spontaneous buys.

Security and Ease-of-Use

Your security is our top priority. With electronic signature authorization, you can sign documents safely online, giving you peace of mind while handling important transactions. All these features are designed with you in mind easy to use yet robust enough to protect your information. At Virginia, we believe that managing your money should be straightforward and accessible. Our digital banking tools empower you to take control of your finances efficiently, ensuring you're always connected to what matters most. Enjoy the freedom of banking on your terms!

Financial Strength

Community Trust

We're honored to have built a strong member base with 724,126 total share accounts. This reflects the trust our community places in us to manage their finances effectively. Our net shares available for lending stand at $4,372,625, showcasing our capacity to support your financial 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 1445 Mexico Way Ne Roanoke Va 24012 or call (540) 982-8811 to learn more about how we can help you achieve your financial goals.

Investing in Our Members

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 your financial goals with $69,956 in used auto loans and $5,269,983,304 in total loans and leases.

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.

Our 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.

Secure Savings Options

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.

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 prefer a brand-new model or a reliable used vehicle, we have financing options that fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $857,239,944 provide the capital needed to grow and expand. Whether it's for purchasing equipment or covering operational costs, our business loan solutions are crafted to support your entrepreneurial journey. At Virginia, we also explore refinancing options and eligibility criteria tailored specifically for you. To learn more about how we can assist you with your financial needs, visit us online at our website or reach out directly via phone. 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 here to help you every step of the way as you take charge of your financial future!

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 competitive rates and flexible terms to help you navigate the home buying process with ease.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging, which is why 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 rewards and features designed to make spending easier while keeping your budget in check.

Loan Aggregator

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Real-Time Rate Comparisons

With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. This feature saves time and helps avoid costly mistakes when selecting a loan. 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!" 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.

Verified Data

Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they see is current and reliable.

VIRGINIA FEDERAL CREDIT UNION - Roanoke, VA

Type of Loan Offerings

Home Equity Loans

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