Last Updated: 01/21/2026
Virginia Credit Union Checking Plus Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 0.75%(Verified 06/21/2024)
Monthly Service Fee
$0 - $10(Verified 01/21/2026)
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Virginia Credit Union Checking Plus Account Review
The Virginia Credit Union Checking Plus Account is offered by Virginia Credit Union, a credit union founded in 1928 and based in Richmond, VA. Virginia Credit Union Checking Plus Account is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Virginia Credit Union Checking Plus Account has an annual percentage yield of up to 0.75%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $1.
- No monthly maintenance fee. No monthly fee if minimum daily balance is $1,000 or more.
- Small minimum initial deposit. You only need $20 to open an account.
- No ATM fees. Virginia Credit Union Checking Plus Account does not charge fees on ATM transactions .
Virginia Credit Union Checking Plus Account Pros & Cons
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Virginia Credit Union Checking Plus Account FAQ
Are checking accounts from Virginia Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Virginia Credit Union Checking Plus Account offer?
Virginia Credit Union Checking Plus Account offers an APY starting at 0.05% and ranging up to 0.75% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $1.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 0.75% |
What are the account minimums for Virginia Credit Union Checking Plus Account?
Virginia Credit Union Checking Plus Account requires a minimum initial deposit of $20.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $1,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Virginia Credit Union Checking Plus Account charge?
No monthly fee if minimum daily balance is $1,000 or more.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $10 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Virginia Credit Union Checking Plus Account offer?
This account includes the following features:
- Mobile Banking Services - Virginia Credit Union Checking Plus Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Virginia Credit Union Checking Plus Account?
The customer support email for Virginia Credit Union Checking Plus Account is memsvc@vacu.org.
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Hours of Operation
Sunday
Closed
Monday
8:00AM - 6:00PM
Tuesday
8:00AM - 6:00PM
Wednesday
8:00AM - 6:00PM
Thursday
8:00AM - 6:00PM
Friday
8:00AM - 6:00PM
Saturday
Closed