Virginia Credit Union (VACU) Reviews

3.0 out of 5 stars
5 Reviews

From Account Holders in the last year


Application Process

2.5 out of 5 stars

Customer Service

2.5 out of 5 stars

3 5

These reviews were written by current and former account holders in the last year.

Apr 07, 2017
Ten Years WASTED
Hunnib416 Account Holder

I've had nothing but mediocre to horrible customer service experiences every time I've called or gone to a branch. It's like their company policy is to float around like zombies, giving you lip service so that you can hurry up and get off their phone / out their line. Don't even get me started on how they swindle you out of overdraft fees if you have a bill coming through: even if you have enough money to cover a bill, they will push some random pending charge through to get that $35 and make it look like your fault. The only time you can get actual help with even a small matter like disputing a transaction is when you ask for a manager. You can jump through all their hoops and provide all the documents and proof that they ask you for, and they STILL will find a way to not help you. They (or at least their hold music) claim they want to help you build your credit, keep more money in your pocket, and offer you financial services and loans, but even after your years and years of membership and good standing, they will find some excuse to avoid doing just that. Total waste.

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Jan 27, 2017
Could have been better!
Anonymous Account Holder

Had 3 different mortgage plans, 3 different closing dates.... In the end we got the home, but we started out with no down-payment, then having to put $75k down, to "settling" with $25k down. And if you are not married, and buying with a boyfriend/girlfriend/partner, prepare to go through the ringer! While our consultant was good enough to make it happen, I almost wish we went with another company, Oh, and we just got notification that our information/mortgage was sold to another company in Texas! BEFORE WE EVEN MADE OUR FIRST PAYMENT! 

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Sep 26, 2016
Anonymous Account Holder

They just as bad as other banks with their highway robbery system, They will pay bills early to overdraft you, Charge you $35 for a 3.00 cheeseburger, They are the worst, And I'm leaving, And if you were smart you would too !

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Aug 15, 2016
The bad reviews are baffling
Lux18 Account Holder

Compared to Citibank this place is a dream. They've been an integral part of helping me get my finances sorted. I have no idea how it could possibly have so many bad reviews. Unless it's from people who have never banked with one of the big corporations that try to squeeze you for every penny.

if your a regular person looking for decent interest rates on credit, and no unreasonable fees, this is a great bank.

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Aug 15, 2016
The bad reviews are baffling
Lux18 Account Holder

Perhaps it's my perspective, having banked with Citibank for years, but the credit union was a godsend after suffering so much abuse at the hands of a corporate bank.

Free checking/savings account

reimbursed atm fees (any atm)

only ONE overdraft fee in a day. FOR COMPARISON: at Citibank they would deliberately cash the largest checks/expenses first. That way if you over drafted they could hit you with multiple 30$ fees for a string of small transactions. This could add up fast, and once due to poor book keeping on my part, I wrote a large check that caused an overdraft. But Citi decided to deduct it first from a string of transactions so that 3 other small $20 transactions were over drafted. A $60 miscalculation on my part cost me an additional $90 in fees. The credit union only charges you once, and unlike Citibank you can call and negotiate, particularly if it's a rare occurrence. People complaining about overdraft fees from the credit union don't know how good they have it.

I was also able to transfer my Citibank debt to the credit union for a FAR better interest rate. I'm now well on my way to paying it all off.

Bottom line, if you are a regular person living check to check, and trying hard to get by the Credit Union is not necessarily  going to fix all your problems. But they won't actively be trying to make everything worse by squeezing you for money you don't have, and they can be a big help. It's a very fair bank. That this is so rare is a travesty.

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