Argent Credit Union - Richmond | Chesterfield | Midlothian

HELOC

AMAZING Rate, Plus No Closing Costs!*

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Auto Loans

Feel that new car energy with a rate as low as 4.24% APR!*

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5/5 ARM

Our Adjustable-Rate Mortgage helps to ensure your payment is affordable.

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"The Best"

Richmond Times Dispatch Reader's Poll

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HELOC

Introductory

3.49^%APR ¹

Get Started

Auto Loans

As low as

4.24^%APR ²

Get Started

Certificates

Up to

4.00^%APY ³

Get Started

Home Loans

Down payment as low as

3.00%

Get Started

How Can We Help You

The next generation of Argent Digital Banking is here! Modern. Intuitive. Customizable to you.

If you haven’t signed up for Online and Mobile Banking, the future is waiting for you! It’s quick to enroll and safe to use. Sign up today and gain 24/7 access to your money while enjoying the benefits of online connectivity. Plus, start using convenient features like Mobile Deposit and Bill Pay.

Learn More About E-Services

Featured Products

Checking Accounts

Enjoy a free checking account with no hidden fees and 24/7 mobile banking access.

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Home Equity Line of Credit

Tap into your home’s equity with a low-rate HELOC, perfect for home improvements or major expenses.

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Auto Loans

Ready for a new ride? We’ll help you get there—fast.

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MMAs

Earn more on your deposits with a flexible, high-interest money market account and easy access to funds.

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We’re in Your Neighborhood

Argent Credit Union has eight branches and free ATMs
conveniently located throughout the Richmond-metro area. Our branches are fully accessible so everyone in our community can take advantage of Argent products and services.

Why Choose Argent?

✔Financial Wellness Resources – Access expert guidance and tools to help you manage debt, build credit, and achieve financial success.
✔Low Rates & Flexible Lending – Benefit from competitive rates on loans and credit cards, designed to support your financial needs at every stage of life.
✔Free & Easy Banking – Enjoy a totally free checking account with no hidden fees, plus seamless online and mobile banking.
✔Trusted Local Credit Union – With a member-first approach, Argent provides personal service, convenient banking solutions, and a commitment to your financial well-being.

Resources

We're Hiring

Join a team that values growth, innovation, and community—explore career opportunities at Argent today.

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Investments & Retirement

From wealth management to retirement solutions, our program is designed to make your investment goals a reality.

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Scholarship Winners

Argent is committed to helping make continuing education a reality for our members graduating high school.

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GreenPath Financial Wellness

Take control of your finances with expert guidance on budgeting, debt management, and credit building.

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Zelle®

Send and receive money with Zelle^® in minutes.

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Open Your Account Online

Joining is Easy and Free!

Open An Account

804.748.9488

Find a Location

Mobile App

*3.49% fixed Annual Percentage Rate (APR) for the first twelve months. Thereafter, variable APR adjusted quarterly based on Wall Street Journal Prime Rate (index) +/- 0.25 a margin for the life of the loan. The current APR as of February 1, 2026, is 6.50% APR, which includes a -0.25 margin and loan to value <=80%. The maximum rate of 18% APR. Rates and terms will vary depending upon loan-to-value and credit qualifications. An introductory offer is not available for refinances of existing Argent home equity loan/line of credit. Not available for a home purchase or investment properties. No closing costs. If you close your line of credit within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. These fees generally total between $400 and $1,000. If you ask, we will provide an itemization. Limited time offer. Member eligibility required.

APR = Annual Percentage Rate. Payment example Car/Truck/SUV/Motorcycle based on a $20,000.00 loan: $453.73 at 4.24% APR with a 48 month term; $342.55 at 4.49% APR with a 66 month term; $319.69 at 4.74% APR with a 72 month term; $303.11 at 5.24% APR with a 78 month term; and $287.31 at 5.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

*APY = Annual percentage yield. Rate effective as of 7/1/2026 and subject to change without notice. $500 minimum opening deposit to earn the stated rate. Argent reserves the right to end or modify this offer at any time. A penalty will be imposed for early withdrawal. Additional restrictions may apply. Membership eligibility required.

HELOC

AMAZING Rate, Plus No Closing Costs!*

Auto Loans

Feel that new car energy with a rate as low as 4.24% APR!*

5/5 ARM

Our Adjustable-Rate Mortgage helps to ensure your payment is affordable.

"The Best"

Richmond Times Dispatch Reader's Poll

HELOC

3.49%APR 1

Auto Loans

4.24%APR 2

Certificates

4.00%APY 3

Home Loans

3.00%

How Can We Help You

Checking Accounts

Certificates

Credit Cards

Mortgage Loans

Open Account

The next generation of Argent Digital Banking is here! Modern. Intuitive. Customizable to you.

Featured Products

Checking Accounts

Checking Accounts

Home Equity Line of Credit

Home Equity Line of Credit

Auto Loans

Auto Loans

MMAs

MMAs

“I always have a pleasant experience when I go into the Argent CU. It’s so nice doing business in person, and both tellers/clerks were helpful in ensuring transactions were handled to my satisfaction.”

“Outstanding service, and very professional. Made everything smooth sailing.”

“I had an outstanding experience at the ARGENT Credit Union Staples Mill branch. Shayla provided excellent customer service, and was extremely helpful, professional, and patient throughout my visit.”

“Wonderful customer service and very happy and friendly staff.”

“I’ve been a member of Argent Credit Union for decades because every encounter has been positive! The staff is friendly, knowledgeable, and truly enjoy their jobs.”

We’re in Your Neighborhood

Why Choose Argent?

Resources

We're Hiring

We're Hiring

Investments & Retirement

Investments & Retirement

Scholarship Winners

Scholarship Winners

GreenPath Financial Wellness

GreenPath Financial Wellness

Zelle®

Zelle®

Open Your Account Online

804.748.9488

Find a Location

Mobile App

Disclaimer

3.49^%APR ¹

4.24^%APR ²

4.00^%APY ³