Virginia Credit Union was founded in 1928 and is the now largest state chartered credit union in Virginia and one of the top 100 credit unions in the country.  As a financial cooperative, VACU provides affordable banking services, loans, mortgages, and free financial education resources to help people be more confident with their finances. VACU membership is open to a wide range of individuals and groups, so it’s easier than ever to become a member.

Welcome Home Discount

Go all in with us and get money back at the end of your transaction.  Use one of our REALTORS®, get a Virginia Credit Union home loan, and use Virginia Statewide Title Services for your Title Insurance and you could be eligible for the Welcome Home Discount.  Ask a Joyner REALTOR® or Virginia Credit Union Mortgage Loan Officer for details. 

Title insurance ensures the safe and efficient transfer of real estate. It is an insurance policy for actions or events that may have already occurred and some that may happen in the future that might threaten the title to your property. Visit Virginia Statewide Title Services to learn more.

Virginia CU Insurance Services offers a complete line of insurance solutions from top-rated carriers to help you protect your assets, so you get the right coverage at the right price.  As an independent agency representing several different carriers, we're able to shop for you to find the right insurance policies for your needs. Visit Virginia CU Insurance Services to learn more or to request a quote. 

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¹While Virginia Credit Union members are free to select their own real estate brokerage and title insurance company in connection with their mortgage transaction, we offer our members a voluntary program that includes a discount at settlement equal to 0.60% of the loan amount up to a maximum of $12,000, not to exceed the lender closing costs. Specifically to qualify for the discount, they must be a Virginia Credit Union member and close their mortgage through Virginia Credit Union, use Virginia Statewide Title Services for title insurance, and use an agent from Joyner Fine Properties LLC as their buyer’s agent. Discount void where prohibited. Certain restrictions apply. Not available in all areas.

Realty services are offered through Joyner Fine Properties, 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 Joyner Fine Properties, LLC. For VA residents only. Business conducted with Joyner Fine Properties, LLC is separate and distinct from any business with VACU.