Last Updated: 01/21/2026
Virginia Credit Union Extra Credit Checking 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(Verified 01/21/2026)
Virginia Credit Union Extra Credit Checking Account Review
The Virginia Credit Union Extra Credit Checking Account is offered by Virginia Credit Union, a credit union founded in 1928 and based in Richmond, VA. Virginia Credit Union Extra Credit Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Virginia Credit Union Extra Credit Checking 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 fees. This account does not charge any monthly account fees.
- Small minimum initial deposit. You only need $20 to open an account.
- No ATM fees. Virginia Credit Union Extra Credit Checking Account does not charge fees on ATM transactions .
Virginia Credit Union Extra Credit Checking Account Pros & Cons
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Virginia Credit Union Extra Credit Checking 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 Extra Credit Checking Account offer?
Virginia Credit Union Extra Credit Checking 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 Extra Credit Checking Account?
Virginia Credit Union Extra Credit Checking Account requires a minimum initial deposit of $20.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Virginia Credit Union Extra Credit Checking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Virginia Credit Union Extra Credit Checking Account offer?
This account includes the following features:
- Mobile Banking Services - Virginia Credit Union Extra Credit Checking 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 Extra Credit Checking Account?
The customer support email for Virginia Credit Union Extra Credit Checking 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