Find quick answers to common questions about Blue Eagle Credit Union services, membership, accounts, loans, and more. Can't find what you're looking for? Contact us anytime.
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Blue Eagle Credit Union is a member-owned, not-for-profit financial cooperative that has been serving communities across Virginia since 1948. Unlike traditional banks that are owned by shareholders and focus on maximizing profits, we are owned by our members—which means you.
As a credit union, we exist to serve our members, not to generate profits for outside investors. This fundamental difference allows us to offer better interest rates on loans, higher returns on savings, lower fees, and more personalized service. Every member has an equal voice and vote in how the credit union operates, regardless of how much money they have on deposit.
We serve over 15,000 members across Virginia with $100+ million in assets under management, offering a full range of financial services including checking and savings accounts, personal and auto loans, mortgages, credit cards, and innovative digital banking solutions.
The key differences are:
Blue Eagle Credit Union has three convenient branch locations across Virginia:
All branches feature our innovative Eagle Vision® Interactive Teller Machines, allowing you to conduct banking with live tellers via video during extended hours. We also offer comprehensive virtual services for banking by phone, email, and online 24/7.
Visit our Locations page for detailed addresses, hours, and directions.
Branch Lobby Hours:
Eagle Vision® ITM Hours (with live teller):
Virtual Services (Phone/Email):
Online & Mobile Banking: Available 24/7/365
ATM Access: 24/7 at all branch locations after hours
Membership is open to anyone who meets one of the following criteria:
If you're unsure whether you qualify, please contact us or call (540) 342-3429 and we'll be happy to help determine your eligibility.
Joining Blue Eagle Credit Union is quick and easy! You can become a member in three ways:
1. Online Application
Complete our simple online membership application in just a few minutes. You'll need a valid government-issued ID and basic personal information.
2. Visit a Branch
Stop by any of our branch locations with a valid ID. Our friendly staff will help you open your account on the spot.
3. Call Us
Call (540) 342-3429 and we'll guide you through the membership process over the phone.
What you'll need:
Once your membership is approved, you'll immediately have access to all our services and benefits!
No! There are no membership fees at Blue Eagle Credit Union. To become a member, you only need to open a savings account with a minimum deposit of $5. This $5 represents your share in the credit union—making you a part-owner.
There are no annual fees, no monthly membership charges, and no hidden costs. As a not-for-profit cooperative, we keep fees minimal so you keep more of your money.
As a Blue Eagle Credit Union member, you enjoy numerous benefits:
Learn more on our Why Choose Us page.
Yes! Our checking accounts are completely free with no catches. You get:
Our checking account truly costs you nothing, allowing you to keep more of your hard-earned money.
We offer several savings options to help you build wealth:
Regular Savings Account
Share Certificates (CDs)
Money Market Accounts
Youth Savings
Visit our Rates & Terms page for current rates on all accounts.
Opening an account is simple and can be done in multiple ways:
Online: Visit our online application and complete the process in minutes.
In Person: Visit any branch with a valid ID and initial deposit.
By Phone: Call (540) 342-3429 and we'll walk you through it.
What you'll need:
Once approved, you'll receive your account details and can start banking immediately!
Yes! Your deposits are completely safe and insured.
Blue Eagle Credit Union is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor. This protection is backed by the full faith and credit of the United States government—the same level of security as FDIC insurance at banks.
This means your checking accounts, savings accounts, money market accounts, and certificates are all protected up to the legal limit. In the unlikely event that the credit union were to fail, your deposits would be fully protected and returned to you.
Blue Eagle Credit Union offers a comprehensive range of loan products:
Online Loans
Auto Loans
Home Loans & Mortgages
Credit Cards
Visit our Loans page for detailed information and to apply online.
Our loan rates are highly competitive and typically 1-3% lower than traditional banks. Current rates include:
Actual rates depend on your credit score, loan amount, term, and other factors. For the most current rates and a personalized quote, visit our Rates & Terms page or contact us directly.
Rates are subject to change. All loans subject to credit approval.
Applying for a Blue Eagle Credit Union loan is quick and easy:
1. Choose Your Loan Type
Visit our Loans page to explore options and use our calculator to estimate payments.
2. Apply Online, In Person, or By Phone
3. Get a Decision
Many loan applications receive same-day approval! Our local underwriting team reviews each application personally.
4. Receive Your Funds
Once approved, funds are typically available within 1-2 business days.
What you'll need:
At Blue Eagle Credit Union, we pride ourselves on fast, local decision-making. Because we make lending decisions right here in Virginia rather than sending applications to distant corporate offices, we can typically provide:
Approval times may vary based on loan complexity, required documentation, and credit history. We'll keep you informed throughout the process and let you know immediately if we need any additional information.
Eagle Vision® is our innovative Interactive Teller Machine (ITM) technology that revolutionizes how you bank. Think of it as an ATM combined with video banking—you get the convenience of a machine with the personal service of a real person.
How it works:
What you can do:
After hours, Eagle Vision® machines function as regular ATMs with 24/7 access for basic transactions.
Yes! Our MyCU mobile banking app puts your accounts at your fingertips 24/7. The app is free to download and use.
Features include:
Download:
The app uses bank-level security with multi-factor authentication, biometric login (fingerprint/face ID), and encryption to keep your information safe.
Yes! Blue Eagle Credit Union debit and credit cards are compatible with all major mobile wallets:
To set up:
Simply add your Blue Eagle card to your device's wallet app. The process takes just a few seconds and your card information is encrypted for security.
Benefits of mobile wallet:
Enrolling in online banking is quick and free:
Step 1: Visit our member login page
Step 2: Click "Enroll Now" or "New User Registration"
Step 3: Enter your account number and personal information
Step 4: Create your username and password
Step 5: Set up security questions
Step 6: Verify your identity
Once enrolled, you'll have immediate access to online banking and can download the mobile app using the same credentials.
Need help? Call us at (540) 342-3429 or visit any branch and we'll walk you through the enrollment process.
At Blue Eagle Credit Union, we keep fees minimal because we're not-for-profit. Many services that banks charge for are FREE with us:
FREE Services:
Minimal Fees (when applicable):
For a complete fee schedule, visit our Rates & Terms page or ask at any branch.
No ATM fees when you use our network! Blue Eagle Credit Union participates in the MoneyPass® ATM network, giving you surcharge-free access to thousands of ATMs nationwide.
Free ATM access at:
Use our mobile app or visit MoneyPass.com to find surcharge-free ATMs near you. If you use an out-of-network ATM, that ATM's owner may charge a fee, but Blue Eagle doesn't add an additional surcharge.
Our rates are reviewed regularly and may change based on market conditions, Federal Reserve actions, and our commitment to offering competitive rates to members.
Loan Rates:
Loan rates can change monthly or as market conditions warrant. When you apply for a loan, we'll provide a rate quote that's typically good for 30-60 days. Once your loan is approved and closed, your rate is locked in for the life of the loan (for fixed-rate loans).
Savings & Dividend Rates:
Savings account and certificate dividend rates are typically adjusted quarterly, though they may change more frequently in response to Federal Reserve policy changes.
For the most current rates, always check our Rates & Terms page or contact us directly at (540) 342-3429.
Yes! Your security is our top priority. Blue Eagle Credit Union uses multiple layers of bank-level security to protect your information:
Security Features:
Your Part:
Act quickly to protect your account:
Immediate Actions:
We'll immediately deactivate your lost card to prevent unauthorized use and issue you a replacement card, typically arriving within 5-7 business days. You can request expedited shipping if needed.
Fraud Protection:
If unauthorized transactions occurred, report them within 60 days and you'll have zero liability. We'll investigate and credit your account for fraudulent charges.
Prevention Tip: Set up instant transaction alerts in the mobile app so you're notified of every purchase—helping you catch fraud immediately.
If you notice any suspicious activity, contact us immediately:
During Business Hours:
After Hours / Weekends:
What to Report:
We take fraud seriously and have dedicated fraud specialists who will investigate and resolve issues quickly. The sooner you report, the faster we can protect your accounts.
We're here to help in multiple ways:
Phone:
Email:
In Person:
Online:
Eagle Vision® ITMs:
Visit our Contact Us page for more information and directions to branches.
Yes! Texting is now available as a convenient way to communicate with Blue Eagle Credit Union.
How to text us:
Best for:
Not recommended for:
For complex issues or anything requiring account-specific information, we recommend calling or visiting a branch.
Can't find the answer you're looking for? Our friendly team is here to help! Contact us through any of these convenient methods: