Virginia Credit Union is a member-owned financial cooperative offering affordable banking services, including loans, credit cards, mortgages, savings, and checking accounts. They also provide realty and insurance services through affiliated companies. Their target audience includes state and local government employees, public school employees, students at state-supported colleges, and residents of specific Virginia counties and cities. The unique selling proposition is lower fees, better rates, and local member support, with earnings returned to members through various benefits, making it a not-for-profit organization focused on serving its members rather than shareholders[1][3].