Apply for a Loan
Let Beach Municipal FCU Help You Move Forward
At Beach Municipal Federal Credit Union, we offer lending solutions designed to support the real needs of the people who serve the Virginia Beach community.
Whether you’re planning a home improvement project, consolidating debt, or covering an unexpected expense, our loan options are built around fair rates, local decision-making, and personal service.
Why Borrow with Beach Municipal FCU?
As a member-owned credit union, our focus is on helping members succeed — not maximizing profits. That means:
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Competitive rates and reasonable terms
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Local lending decisions
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Personalized guidance from people who know you and your community
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A relationship that extends beyond a single loan
Not a Member Yet? Membership Comes First.
To apply for a loan, you must first become a member of Beach Municipal FCU.
Membership is open to eligible City of Virginia Beach and Virginia Beach City Public Schools employees, retirees, volunteers, and their immediate family members.
Becoming a member is simple — and once you join, you’re a member for life.
Start here:
Learn how to become a member of Beach Municipal FCU
Already a Member? You’re Ready to Apply.
If you’re already a Beach Municipal FCU member, you can begin your loan application online at any time.
Our team is here to help if you have questions or want guidance along the way.
Loan Options May Include
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Personal loans for unexpected expenses
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Other lending solutions designed around member needs
Loan availability, rates, and terms are subject to credit approval and membership eligibility.
Need Help Deciding?
If you’re unsure which loan option fits your situation, we’re happy to help you explore your options.
Reach out through your Virtual Branch, use our secure Contact Us form, or visit one of our branch locations to speak with a member of our team.