Virginia Credit Union Mortage Services

Kenneth Buchanan _{on Google}

Mar 9th, 2020

They Don't Do Anything For There Customers, Won't Go Out Of There Way To Help You (Tellers Are OK I Guess) !
Ben Dealing With Them For 3 Years & Won't Go Out Of There Way For Me,Pluss Have Direct Deposit From Government Retirement!

Jeff McGill _{on Google}

Jan 12th, 2023

tl;dr: Service was slow, was hammered by hidden fees and not informed of certain practices that ended up costing me more than other banks would have.
I can't recommend this bank to anyone. I'm new to the area and got a HELOC from them to make some improvements to my house. The application process was incredibly slow and my processor rarely contacted me during the application. I had to constantly call them to check status and provide more and more documentation. They took so long that some of the paperwork I gave them was no longer viable within their timeframes. Normal HELOCs have you pay interest only payments until the draw period is over. VCU makes you start paying on the principal right away, plus interest which made my monthly payment go from an estimated $150-200, to $850 a month. Also getting hit with monthly $50 finance charges. I can't wait to pay off my HELOC so I don't have to deal with them ever again.