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VCCU Deposit Services

Virginia Coop Credit Union passes its earnings along to our members in the form of fewer fees and better rates. Teaching financial thrift is the core of what makes Virginia Coop Credit Union different.

All VCCU deposit accounts are federally insured to at least $250,000 by the NCUA, the National Credit Union Administration, a U.S. Government agency.

VCCU Savings Accounts

CHECKING

No minimum balance. Free online access. Thousands of surcharge-free ATMs. What’s not to love?

Find out more.

SAVINGS

VCCU offers a variety of savings accounts to help you meet your financial goals.

Check them out.

VCCU CHECKING

At VCCU, our checking account doesn’t have monthly fees and it has no minimum balance requirements. Our account is honest and straight-forward, just the way you like it.

  1. No minimum balance required. Yes, that easy.
  2. No tricks or gimmicks. It’s that simple.
  3. Convenient and online. We have several tools to help manage your account on-the-go from:
    1. Free Online Banking
    2. Free debit/ATM cards, directly connected to your checking account, so you’ll always have access to your funds when you need them.
    3. Overdraft line of Credit Available – let’s talk and see if this is right for you.
    4. Free ATM withdrawals in the Shazam Network.

Sign up for free eStatements!
Did you know that approximately 85% of identity theft cases start with stolen paper forms, such as bank statements? Virginia Coop Credit Union charges a monthly $2.00 fee to mail paper statements. We strongly urge our members to use eStatements through Online Banking instead. They’re faster, safer, and free of charge.

Get checking with VCCU and save. Stop in today to open your account, or call us at 218-741-5644.

Our routing number is 291276601.

Coming Soon - Make the Switch!

It’s easy to move your checking account to Virginia Coop Credit Union. First, stop in our office or call 218-741-5644 to open your new account.

Watch for our new Switch Kit, coming soon!

VCCU SAVINGS ACCOUNTS

Share Accounts
YOU MUST HAVE SHARE ACCOUNT to become a member. This basic savings account also serves as your “share” of ownership in Virginia Coop Credit Union, a member-owned cooperative. The minimum balance of the share account is $5.00, the same as when we were founded in 1937.

Club Accounts
Club accounts are helpful when you’re saving for a special event such as a vacation or the holidays. You can automatically deposit a small sum of money into your club account each month. Call us at 218-741-5644 to set up your Club Account, and start saving!

Little Ranger Accounts
You’re never to young to start saving! Parents and grandparents, you can set up a Little Ranger account for your child or grandchild and set them on their way towards a more profitable future.

Start saving today! To open an account for you or a loved one, simply drop by our office or call 218-741-5644 to get started.

DOWNLOAD OUR TRUTH-IN-SAVINGS DISCLOSURE

VCCU Deposit Services

SHARE

CLUB ACCOUNTS
(Vacation, Christmas, Side)

LITTLE RANGER

Minimum Balance Required

$5

$0

$0

APY* Rate

0.02%

0.02%

0.02%

Monthly Fees

None*

None

None

Interest (Dividend)

Interest Paid Monthly

Accrues Daily, Vacation & Christmas Paid Monthly, Side Paid Quarterly

Accrues Daily, Paid Quarterly

Account Features

MUST HAVE SHARE ACCOUNT to Become a Member

None

Eligible for Quarterly Contest and Drawings

Other Account Information

Fee for balances under $25.  The service charge is waived if you have a loan, active checking, or other share account.

After $10 balance is maintained

After $10 balance is maintained

*APY = Annual Percentage Yield

VIRGINIA COOP CREDIT UNION

811 4th Street North
Virginia, MN 55792

Hours

Lobby, Mon-Fri: 9 am - 5 pm
Drive-Up, Mon-Thu: 8:30 am - 5 pm
                  Fri: 8:30 am - 5:30 pm

Phone Numbers

Main: (218) 741-5644
Toll Free: 1-877-741-5644
Lost VISA Card: 1-800-325-3678
Lost Shazam MasterCard: 1-866-508-2693

Send us an email.

Got Questions?

Give us a call at 218-741-5644. We're here to help!