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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Do you offer Home Equity Loans or Lines of Credit?

Our Home Equity Loan or Line may be the perfect fit for you! Read more about Home Equity Loans and Lines below, and learn all about the benefits and features of each one.  Call or email Treatie Taylor (our Home Loan expert) with your questions. She understands each home loan is as unique as you are, and will make your experience easy, fast and hassle-free! 

Treatie Taylor 
Office Direct: 757-306-7998
Text: 757-402-7998
Main Office Line: 757-463-3650 option 1
Email: ptaylor@vbsfcu.org

NMLS#609836

Visit our online loan application.


What is Home Equity?

Home equity is the portion of your home that you’ve paid off. It’s the difference between what the home is worth and how much is still owed on your mortgage. For many Americans, equity from homeownership is a key way to build personal wealth over time. As your home’s value increases over the long term and you pay down the principal on the mortgage, your equity grows.


What is a Home Equity Line of Credit?

Home equity is typically used for big expenses and often represents a more cost-effective financing option than credit cards or personal loans with high-interest rates. It is a line of credit with a variable rate that is secured by a second mortgage deed of trust on your primary residence. (Owner occupied only).


What is a Home Equity Loan?

A Home Equity Loan is a closed-end loan with a low fixed rate that is secured by a second mortgage deed of trust on your primary residence. (Owner occupied only).
The phrase “Second Mortgage” and “Home Equity Loan” may be used interchangeably.

For more information, call or email our Home Loan Expert, Treatie Taylor at tel: 757-306-7998.


What are the common uses of Home Equity Loans or Lines?

Seven common uses for Home Equity loans and lines are: 


Learn More with our Home Loan Calculators


What if I need a loan not listed?

Call one of our Local Lending Experts, today.


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

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

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


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.


What does VBSFCU do for our local community?

Learn about our Do Good programs and how we give back locally.

VBSFCU NMLS#410313 | For further information regarding the NMLS registry, please visit the NMLS website FAQ.