No stored Google rating available.
Augusta County Federal Credit Union is a member-owned credit union serving the Verona, VA area with savings accounts, personal loans, and VISA debit card services.
Data compiled from public sources
Use these CreditDoc paths to check fit, compare alternatives, and understand the category before sharing information with a provider.
Augusta County Federal Credit Union (ACFCU) is a not-for-profit, member-owned credit union located in Verona, Virginia, operating under NCUA insurance. The organization is governed by a board of directors composed primarily of retired Augusta County government and school employees, suggesting deep community roots and local accountability.
ACFCU offers a full range of consumer financial services including share savings accounts, share draft accounts (checking), VISA debit cards, and various loan products. Their loan menu includes auto loans (new and used vehicles), home improvement loans, debt consolidation, vacation loans, emergency loans, and tax loans. Members can access loan calculators, view current rates, and apply for payroll deduction repayment plans. The credit union also provides ancillary services such as depositor's insurance, direct deposit, credit reports, VISA gift cards, and an ATM locator tool.
ACFCU distinguishes itself through competitive interest rates calculated on unpaid balances, no early payoff penalties, and flexible repayment terms using payroll deduction when available. Loan eligibility is transparently based on ability to repay, considering debt ratio and credit history. The institution maintains a small, accessible staff with clear organizational structure including a manager, assistant manager, and dedicated loan officers.
As a small local credit union, ACFCU has inherent limitations typical of community-focused institutions: limited geographic footprint, smaller loan portfolios compared to regional or national alternatives, and fewer technological conveniences than larger financial institutions. However, for members within their service area seeking personalized lending and relationship-based banking, the organization appears to deliver consistent value with listed pricing and no hidden charges.
This is state-level context for Credit Unions consumers in Verona, VA. It does not confirm that Augusta County or this specific location is licensed.
State regulator
Virginia Bureau of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), Augusta County has a 100% response rate to consumer complaints, with 87.7% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
Augusta County offers 16 services including Share savings accounts, Share draft accounts (checking) with debit cards, VISA debit cards with mobile app, Auto loans (new and used vehicles), Home improvement loans, and 11 more.
Augusta County has profile signals associated with Augusta County employees and residents seeking relationship-based, personalized lending, Borrowers prioritizing listed pricing and no-penalty early payoff terms, Members wanting to support a local, community-focused financial institution, Individuals needing flexible repayment options through payroll deduction.
Key strengths: Competitive interest rates compared to other institutions, calculated on unpaid balance; No penalties or hidden charges for early loan payoffs; Flexible repayment plans with payroll deduction available. Areas to consider: Limited geographic service area (Verona, VA location only—no apparent branch expansion); Very small staff may result in slower loan processing or limited availability.
In the Credit Unions category, comparable providers include Abnb, Argent, Navy Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Augusta County Federal Credit Union is best suited for residents and employees of Augusta County, Virginia seeking a local, listed, relationship-based alternative to larger banks, with particular appeal to borrowers who value rate claims to verify and no early payoff penalties. The primary caveat is geographic limitation—membership and branch access are restricted to the Verona, VA area, and online/digital banking capabilities appear minimal compared to regional credit unions.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-03-28
ABNB Federal Credit Union is a member-owned financial institution offering personal and business banking, loans, mortgages, and investment services with 24/7 online access.
Profile signals: Members seeking 24/7 digital banking with instant transfer capabilities, Small business owners needing comprehensive commercial banking and lending services
Argent Credit Union is a member-owned, NCUA-insured credit union serving the Richmond, Virginia metro area with eight branches offering checking, loans, and savings products.
Profile signals: Richmond-area residents seeking a local credit union with multiple branch locations, Customers prioritizing personalized service and member-owned financial institution benefits
Navy Federal Credit Union is a federally chartered credit union serving military members, veterans, and their families with branch banking, loans, and financial products.
Google rating from 307 reviews
Profile signals: Active duty military personnel and service members seeking military-exclusive discounts, Military veterans transitioning to civilian financial management
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-language breakdown of every factor that goes into your credit score, with specific steps to improve each one even if you're starting from a tough spot.
Read guide →Learn exactly how credit scores work with the 5 factors that matter most. We break down payment history, credit utilization, and more with real numbers you can act on today.
Read guide →A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Augusta County and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.