Credit Unions in Richmond, VA
7 member-owned, NCUA-insured credit unions headquartered in or near Richmond, serving a combined 541,294 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🇺🇸
480,100 members
Credit Unions & BankingView details →Call
Richmond, VA🇺🇸
27,508 members
Credit Unions & BankingView details →Connects
Richmond, VA🇺🇸
15,858 members
Credit Unions & BankingView details →Rva Financial
Richmond, VA🇺🇸
10,517 members
Credit Unions & BankingView details →Credit Union Of Richmond Incorporat
Richmond, VA🇺🇸
3,908 members
Credit Unions & BankingView details →Richmond Heritage
Richmond, VA🇺🇸
1,736 members
Credit Unions & BankingView details →Richmond Virginia Fire Police Credi
Richmond, VA🇺🇸
1,667 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Richmond: they are based in or near Richmond. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Richmond
7 more credit unions headquartered elsewhere have a branch in Richmond, VA. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Navy Federal Credit Union
VIENNA, VA🇺🇸
15,517,448 members
Credit Unions & BankingView details →Bayport
NEWPORT NEWS, VA🇺🇸
157,891 members
Credit Unions & BankingView details →1st Advantage
Newport News, VA🇺🇸
71,651 members
Credit Unions & BankingView details →Argent
CHESTERFIELD, VA🇺🇸
35,330 members
Credit Unions & BankingView details →Henrico
Henrico, VA🇺🇸
31,656 members
Credit Unions & BankingView details →Dominion Energy Credit Union
North Chesterfi, VA🇺🇸
20,686 members
Credit Unions & BankingView details →Peoples Advantage
Petersburg, VA🇺🇸
9,585 members
Credit Unions & BankingView details →- Navy Federal Credit Union — branch: 5445 Glenside Dr Richmond, VA 23228
- Bayport — branch: 109 E Nine Mile Road Richmond, VA 23075
- 1st Advantage — branch: 1204 Broad Rock Blvd Richmond, VA 23224-4916
- Argent — branches: 400 N 8th St Suite 117 Richmond, VA 23219; 8721 Staples Mill Rd Richmond, VA 23228
- Henrico — branches: 1201 N Laburnum Ave Richmond, VA 23223; 3820 Nine Mile Rd Richmond, VA 23223; 4419 Greybull Dr Richmond, VA 23233-7536
- Dominion Energy Credit Union — branches: 600 Canal Place Richmond, VA 23219-3927; 120 Tredegar St Richmond, VA 23219-4306
- Peoples Advantage — branch: 3601 Dill Rd Richmond, VA 23222-3459
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 541,294 members. The largest is Virginia.
Are these the closest credit unions to me in Richmond?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Richmond, geocoded to the city. The second list adds 7 more credit unions headquartered elsewhere that NCUA shows with a branch in Richmond, as of June 30, 2026. A credit union can serve a wider area than its branches. 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.