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Learn more . Find the card that's right for you. 1.99% APR intro rate for 12 months 1 on purchases and balance transfers made within 60 days after opening a new VACU Mastercard®. After that, variable 8.99%-23.99% APR. 1 Conditions of Offer: Not all members qualify for this offer. Which promotional APRs for purchases and balance transfers that a qualified member receives is based upon such member’s standard APRs for purchases and balance transfers. Purchases made and balances transferred within 60 days of card opening retain a promotional APR for 12 months from card opening date. After that, the APR changes to the purchase APR and balance transfer APR in effect, which is currently 8.99% to 19.99% variable APR for Essential Mastercard; 10.99% to 21.99% variable APR for Cash Rewards Mastercard; and 12.99% to 23.99% variable APR for Flex Rewards Mastercard as of 6/1/20 and subject to change. We will begin charging interest on balance transfers on the transaction date. If payment is ever 90 days or more past due; the promotional APR is forfeited and reverts back to the purchase and balance transfer APR then in effect and applies to the entire outstanding promotional balance. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Disclosures for Special Offers or Card Agreement & Disclosure Statement for more information. Compare cards Car Loans Car Loans Our affordable car loans offer you the same low rate whether your car is new or used. Rates as low as 1.99% APR 1 . 1 Rate effective as of 12/23/2020 to qualified borrowers and subject to change. Vehicle value is based on MSRP or by a source approved by us. Your annual percentage rate (APR) is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 0.500% discount for a loan-to-value (LTV) that is 115% or less, and a 0.750% discount for a loan amount of $20000 or more. Regardless of available discounts, 1.99% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in Credit Union Direct Lending (CUDL). Learn more Mortgage Mortgages From finding the right home to closing on a mortgage with a great rate, we help you at every step of the process. See options Digital Banking Digital Banking Meet all your banking needs from the comfort of your home! Enroll in digital banking today. Enroll Checking Checking From simple accounts with no minimums to those that reward you for a deeper banking relationship, we have a checking account to meet your needs. Find accounts Home Equity Loans Virginia CU Realty You could be eligible for rebates up to $2,500 when you use Virginia CU Realty, Virginia Statewide Title Insurance and VACU for your mortgage 2 . 2 While you are free to select your own real estate brokerage and title insurance company in connection with your mortgage transaction, we offer our members a voluntary program that includes rebates at settlement. Specifically to qualify for the rebate, you must be a Virginia Credit Union member and close your mortgage through Virginia Credit Union, use Virginia Statewide Title Services for title insurance, and use an agent from Virginia CU Realty as your buyer’s agent. Rebate void where prohibited. Certain restrictions apply. Not available in all areas. Realty services are offered through Virginia CU Realty, LLC, an affiliate of Virginia Credit Union (VACU). VACU may receive a financial or other benefit because VACU, through Virginia Credit Union Financial Services, LLC has an ownership interest in Virginia CU Realty, LLC. For VA residents only. Business conducted with Virginia CU Realty, LLC is separate and distinct from any business with VACU. Learn more Savings Savings Make your money go further and reach your goals sooner. The longer you save, the more we pay back in dividends. We’ll show you how. See options Why VACU Welcome to Virginia Credit Union. We're here to help you take control of your finances with affordable services, knowledge and opportunities for you to take your money further and reach your goals sooner. We’re a credit union, not a bank We don’t have shareholders, and we aren’t here to make a profit. As a not-for-profit organization, we serve our members...