--- title: "Va Beach Postal Credit Union Rates (Nov 2026): Mortgage 6.54%" description: "Va Beach Postal Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Va Beach Postal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/va-beach-postal" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Va Beach Postal Credit Union Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30 Year Fixed - Home Ready** 30 year fixed | 7.040% APR | 6.875% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.765% APR | 6.500% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.965% APR | 6.750% | — | Standard | Va Beach Postal Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Va Beach Postal Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/va-beach-postal) , verified from [Va Beach Postal Credit Union's official website](https://www.vbpfcu.org/) Best product position **Better than the Virginia median** 30-year fixed mortgage Gap to state best **23 bp** 23 bp from state best Vs. state median **41 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Virginia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | Better than the Virginia median | 23 bp from state best | 41 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Va Beach Postal Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=va-beach-postal&state=virginia&code=VA&name=Va%20Beach%20Postal%20Credit%20Union) Loading branch locator… ## About Va Beach Postal Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1K Assets $10.4M Founded 1963 Locations reported 1 NCUA charter 15536 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile payments - Financial counseling - Student scholarships - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Abnb** Little Neck · Virginia Beach · VA · 23452 About 0.5 miles away](https://rateapi.dev/credit-unions/virginia/abnb) [**Bayport** Little Neck Branch · Virginia Beach · VA · 23452 About 0.6 miles away](https://rateapi.dev/credit-unions/virginia/bayport) [**Navy Federal Credit Union** Pembroke-VA Beach · Virginia Beach · VA · 23452 About 1.2 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Beach Municipal** Thalia · Virginia Beach · VA · 23452 About 1.4 miles away](https://rateapi.dev/credit-unions/virginia/beach-municipal) [**Chartway** Lynnhaven · Virginia Beach · VA · 23452-7408 About 1.6 miles away](https://rateapi.dev/credit-unions/virginia/chartway) [**Langley FCU** Virginia Beach Town Center · Virginia Beach · VA · 23462 About 2.5 miles away](https://rateapi.dev/credit-unions/virginia/langley-fcu) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Va Beach Postal Credit Union Membership eligibility from Va Beach Postal Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Va Beach Postal Credit Union's website. Check the membership page below to confirm whether you qualify. - Location VA - Employer United States Postal Service, Mechanical Service Company Inc, Absolute Bottled Water Co, Shealy-Hodges Corp, U.S. Postal Service, Richmond District - Association National Active and Retired Federal Employees Association (NARFE) Chapter 974, National Association of Letter Carriers, Branch 6066 Verified from [Va Beach Postal Credit Union's membership page](https://www.vbpfcu.org/aboutUs.php) . Final membership determination is always made by the credit union. ## Membership rules for Va Beach Postal Credit Union Employers 5 · Associations 2 · Family 2 9 published paths to membership, last verified August 27, 2026, quoted from Va Beach Postal Credit Union’s own published criteria. ### Employers 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Retired employee of United States Postal Service “persons retired as pensioners or annuitants from the United States Postal Service” > [source ↗](https://www.vbpfcu.org/aboutUs.php) - Retiree of United States Postal Service - Employee of Mechanical Service Company Inc “Employees of Mechanical Service Company Inc” > [source ↗](https://www.vbpfcu.org/aboutUs.php) - Employee of Mechanical Service Company Inc - Employee of Absolute Bottled Water Co “Absolute Bottled Water Co” > [source ↗](https://www.vbpfcu.org/aboutUs.php) - Employee of Absolute Bottled Water Co - Employee of Shealy-Hodges Corp “Shealy-Hodges Corp” > [source ↗](https://www.vbpfcu.org/aboutUs.php) - Employee of Shealy-Hodges Corp - Employee of U.S. Postal Service, Richmond District - Works in city:VA:richmond “Employees of the U.S. Postal Service, Richmond District who work in, or are paid or supervised from Richmond, Virginia” > [source ↗](https://www.vbpfcu.org/aboutUs.php) - Employee of U.S. Postal Service, Richmond District and Works in Richmond, VA ### Associations 2 Human-reviewed quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of National Active and Retired Federal Employees Association (NARFE) Chapter 974 “Members of the National Active and Retired Federal Employees Association (NARFE) Chapter 974 in Virginia Beach, Virginia, who qualify for membership in accordance with its charter and bylaws in effect on 4/28/2011” > [source ↗](https://www.vbpfcu.org/aboutUs.php) - Member of National Active and Retired Federal Employees Association (NARFE) Chapter 974 - Member of National Association of Letter Carriers, Branch 6066 “Members of the National Association of Letter Carriers, Branch 6066 in Chesapeake, Virginia, who qualify for membership in accordance with its charter and bylaws in effect on 9/1/1992” > [source ↗](https://www.vbpfcu.org/aboutUs.php) - Member of National Association of Letter Carriers, Branch 6066 ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, parent, child, sibling, grandparent, grandchild, step-parent, step-child, step-sibling, household member “members of their immediate families including spouses, parents, children, siblings, grandparents, grandchildren, step-parents, step-children, step-siblings, and persons living in the same residence maintaining a single economic unit to include domestic partners and roommates.” > [source ↗](https://www.vbpfcu.org/aboutUs.php) - Family member (spouse, parent, child, sibling, grandparent, grandchild, step-parent, step-child, step-sibling, household member) of a member - Family of someone eligible spouse, parent, child, sibling, grandparent, grandchild, step-parent, step-child, step-sibling “members of their immediate families including spouses, parents, children, siblings, grandparents, grandchildren, step-parents, step-children, step-siblings, and persons living in the same residence maintaining a single economic unit to include domestic partners and roommates.” > [source ↗](https://www.vbpfcu.org/aboutUs.php) - Family member (spouse, parent, child, sibling, grandparent, grandchild, step-parent, step-child, step-sibling) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Va Beach Postal Credit Union? Yes No ## Work at Va Beach Postal Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Va Beach Postal Credit Union ranks against Virginia peers. - See which AI assistants fetched Va Beach Postal Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=va-beach-postal&state=virginia&code=VA&name=Va%20Beach%20Postal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Va Beach Postal Credit Union offer? Va Beach Postal Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Va Beach Postal Credit Union rates updated? RateAPI verifies Va Beach Postal Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Va Beach Postal Credit Union's rate data? Rate data is collected directly from Va Beach Postal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Va Beach Postal Credit Union's mortgage rate? As of November 12, 2026, Va Beach Postal Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Va Beach Postal Credit Union? Va Beach Postal Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 5 employers and 2 associations for Va Beach Postal Credit Union, each quoted from Va Beach Postal Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Va Beach Postal Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia mortgage rate leaders](https://rateapi.dev/mortgage-rates/virginia) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.vbpfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Va Beach Postal Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Va Beach Postal Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /va-beach-postal " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Va Beach Postal Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/virginia/va-beach-postal Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp