Credit Unions in Richmond, VA
7 member-owned, NCUA-insured credit unions headquartered in or near Richmond, serving a combined 552,711 members. The largest is Virginia. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Virginia
Richmond, VA🇺🇸
491,381 members
Credit Unions & BankingView details →Call
Richmond, VA🇺🇸
27,618 members
Credit Unions & BankingView details →Connects
Richmond, VA🇺🇸
15,659 members
Credit Unions & BankingView details →Rva Financial
Richmond, VA🇺🇸
10,458 members
Credit Unions & BankingView details →Credit Union Of Richmond Incorporat
Richmond, VA🇺🇸
4,201 members
Credit Unions & BankingView details →Richmond Heritage
Richmond, VA🇺🇸
1,709 members
Credit Unions & BankingView details →Richmond Virginia Fire Police Credi
Richmond, VA🇺🇸
1,685 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Richmond, not that it is the nearest branch to you.
How to join a credit union in Virginia
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Richmond or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Richmond — common questions
How many credit unions are in Richmond?
7 member-owned, NCUA-insured credit unions are headquartered in or near Richmond, Virginia, with a combined 552,711 members. The largest is Virginia.
Are these the closest credit unions to me in Richmond?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Richmond — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Richmond?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Virginia accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Richmond?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.