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.
     We are excited to share we have received approval from our regulators. What happens next? Virginia Beach Schools FCU members will be sent the official Notice of Meeting and ballot on August 31, 2021, and will have the opportunity to vote until the day of the special meeting which is scheduled for October 19, 2021. 

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Are You Getting The Best Deal? Let’s Work Together!

Are you looking to refinance an existing vehicle loan from a different financial institution or in need of a new/used vehicle loan? Refinancing with a better rate can save you hundreds of dollars over the life of your loan. At VBSFCU, we’ve made it easier than ever. We offer competitive rates, same-day approval, up to 100% financing, and GAP and payment protection! Along with a loan staff who cares, we will create the perfect vehicle loan for you!

It’s not always about the payment; what about the rate, term, and benefits? If you have questions about how to apply for a loan, how to apply for membership, or are not sure if you are getting the best deal, our Vehicle Loan Expert will guide you every step of the way!

SPECIAL OFFER:   Starting September 1, No Payments for 45 days on your new auto loan! Hurry, the offer ends soon! 

Vehicle Loan Expert: Joyce Thorogood
Call: 757-306-7999

Ready to apply for a loan online?

Visit our online loan application.

Can you help me search for a vehicle?

Use our free car search tool, SmartSearch!

With SmartSearch you can compare vehicles side by side, shop local dealerships, and save your search results to share with family/friends.

CarFax reports are available for free on many vehicles.

Should I be Pre-Approved before I shop?

Yes! It’s always a good idea to be pre-approved by VBSFCU before shopping for a vehicle. We review your credit report with you for free and will help you make the right decision on how much you can afford before you shop.

I need to learn more about your rates, who do I call?

757.463.3650 option 1, or call direct: 757-306-7999.

How can I learn how much of a car I can afford?

Use one of our free calculators to estimate your vehicle loan payments:

Do you recommend any local car dealerships?

Buy your next car from Enterprise Car Sales

We have partnered with Enterprise Car Sales to offer you a seamless purchase experience with financing options to fit your needs. Plus, every vehicle is clearly marked with transparent pricing. Whether you want to buy, sell, or trade, we’re here to make it easy.

Start shopping

Can I get a car loan with bad credit?

Maybe you’ve made some mistakes and need a second chance. Our Sure Ride Auto Loan Program might be the right fit for you!

This one-of-a-kind vehicle loan program helps members with colorful or no credit get into the car they want, and a fair loan rate.

What is GAP Protection? Do I need it?

Don’t let a wrecked vehicle wreck your finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.*

This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan.

Plus, it helps you get into your next vehicle by reducing your loan at the credit union by $1,000. Contact us today to learn more about adding GAP Plus to your vehicle loan so you can worry less about tomorrow.

*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018.


Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel a GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.

GAP-2454900.1-0319-0421© CUNA Mutual Group, 2019. All Rights Reserved.

How can I learn about a car’s history?

Carfax reports contain important information so you can be confident you’re making the right decision about a used car.

No more regrets about buying a car with significant damage history, just peace of mind knowing you’re buying a car that will be reliable for years to come.

If you are shopping for a used vehicle, before you pull the trigger and buy, contact us for your CARFAX Report. This comprehensive report will give you:

CarFax Reports

What Does VBSFCU Do For Our Local Community?

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