For 60 years, Virginia Beach Schools Federal Credit Union has served members and brought value by offering convenience and access to financial products and services. We have been proud to help members achieve their financial goals.
     On behalf of the Board of Directors and Leadership Team, I am excited to announce our plans to merge with Langley Federal Credit Union. Merging with Langley will allow us to continue acting in the best interest of our members by providing more access, more value, and more rewards to members and the community.
     This merger represents a partnership between two credit unions that share values, plus a real commitment to our members and the communities we serve. As the financial services landscape continues to evolve, merging with Langley allows us to immediately enhance what we can offer members. This includes access to more branch locations, more products and services at competitive rates, and enhanced technology offerings that will provide greater 24/7 convenience.
     As the merger process continues, we will keep members informed of progress, including sharing important notices, dates, and events. If you have any questions that haven’t been addressed in the frequently asked questions below, please email Directors@vbsfcu.org or contact us by phone at 757-463-3650 x337.

Please visit our FAQ for more information

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Virginia Beach Schools Federal Credit Union
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What types of loans do you offer?

The question isn't "What type of loan do I need", but rather "What am I trying to accomplish?" We encourage you to call our Loan Team. Talk to us about your dreams, plans, and goals. It's our job to give you options that would work best for you. You are one of a kind, and your loan should be, too.  


What are some common uses?


Commons Loans 


What if I need a loan not listed?

Call one of our Local Lending Experts! We customize loans for your specific needs.


How do I apply for a loan, and what can I expect?

If you are already a VBSFCU member with a savings account, visit one of our branches or call us using one of the phone numbers above.

Visit our “What to Expect” page to learn about our loan application process.


How much is a typical loan?

Loans are based on your creditworthiness and ability to repay. 


Who do I call If I have more questions?

Auto & Personal: 757-306-7999
Home Loan & Mortgages: 757-306-7998
General Loan Questions: 757-463-3650 option 1

Please contact our Loan Center at 757-463-3650 option 1.


What is the normal period for repayment?

Dependent on several factors that include, but not limited to: Amount borrowed, credit history, term requested, and normal underwriting guidelines.


What is the highest interest rate I may be charged?

The maximum Annual Percentage Rate (APR) you may be charged for any loan from a credit union is 18%. A payment example: For every $1,000 borrowed, at an 18% interest rate for 12 months, your payment would be $91.68


Can I apply online?

Yes, you can apply here, in SmartLink home banking, or on the mobile app to learn about mobile banking.


I would like to apply for a loan, how do I become a member?

Welcome! We are excited to meet you! Please visit our Who Can Join page to check if you qualify for membership. If you already know you qualify, visit the Open an Account page to learn what you need to bring to become a member.


Can I close my loan online, too?

Yes! You can also close your loan via email.


Is there an online calculator I can use?

Yes! Click here for our online Loan Payment Calculator page.


What does VBSFCU do for our Local Community?

You can get a loan anywhere, why use VBSFCU? It depends. Is keeping your money local important to you? Is working with local community-minded businesses that give back to your schools important? Learn about our Do Good programs and how we give back locally.


ABA routing/transit number: 251483214

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. More Information