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The benefits of ownership!

Take control of your money and experience the credit union benefits of ownership by becoming a member today! When you join Viriva Community Credit Union you are not just a customer; you become a member-owner of this financial cooperative.

How does this benefit you? Viriva Community Credit Union is a not-for-profit financial institution that returns excess income to our members in the form of lower service fees and better rates! Our focus is on the cooperative credit union principle of “People Helping People”. We exist to serve our member, not to make a profit.

Make the smart financial decision and join Viriva Community Credit Union, your financial partner… for life.

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Online Mortgage Center

Whether you are looking to purchase your first home or refinance an existing mortgage, YOUR credit union can help! Viriva Community Credit Union offers a variety of mortgage programs to fit most any financial situations.

Get the resources you need to help you make the right decisions. Visit our Online Mortgage Center to view today’s rates, access calculators, and to apply for a mortgage!

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Select the program that’s right for you!

Use your MasterCard® Platinum Rewards Credit Card for everyday purchases to earn rewards, or apply to have a low rate card with our MasterCard® Platinum Low Rate Credit Card program. Need to build or rebuild your credit? Consider our MasterCard® Platinum Secured Card program which provides many of the same features as our other Platinum programs. Variable rates start as low as 7.40% APR* and will never go higher than 18.00% APR.*

*APR = Annual Percentage Rate. Rates effective as of 10/1/2016 and are subject to change without notice. Contact Viriva Community Credit Union to see if any rate changes occurred. Approvals are based on the applicant’s creditworthiness and our underwriting standards. Variable rates are calculated by adding a Margin (interest percentage) to the value of an index. The index is the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the first business day of each calendar month. The margin is based on your credit and ranges from 5.90-17.90 (for the Rewards Card Program) and 3.90-15.90 (for the Low Rate Card Program) with a cap of 18% on the interest rate.

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Why Viriva Community Credit Union?

James F. McCaw

President & CEO, Viriva Community Credit Union

Joining a credit union is one of the smartest financial decisions consumers can easily make. Credit unions are not-for-profit entities and, as such, are very different than for-profit banks, which are owned solely by their stockholders.

National Credit Union Administration logo Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.