Question 1

What is Vienna First Baptist Credit Union?

Accepted Answer

Vienna First Baptist Credit Union (Vienna First Baptist FCU) is a faith-based federal credit union serving members of the First Baptist Church of Vienna, Virginia. With approximately 204 members and assets of approximately $1.06 million as of Q3 2025, this is a small, community-oriented credit union operating under NCUA charter number 24535. The credit union serves a specialized membership base connected to one of Vienna's oldest religious institutions, founded in 1867.

Vienna First Baptist FCU operates as a financial cooperative providing basic banking services to church members, their families, and affiliated individuals.

Question 2

When was Vienna First Baptist Credit Union founded?

Accepted Answer

The credit union was established to serve members of the First Baptist Church of Vienna, which was founded in 1867 as the first and oldest church in Vienna, Virginia. The church was originally founded by several African Americans working on a farm owned by Major O.E. Hine, a Union Army veteran.

The exact founding date of the credit union is not publicly available, but it operates under federal charter 24535 issued by the National Credit Union Administration. Like many church-based credit unions established in the mid-to-late 20th century, Vienna First Baptist FCU was likely created to provide affordable financial services to church members and promote savings and financial stability within the congregation.

Question 3

Where is Vienna First Baptist Credit Union headquartered?

Accepted Answer

Vienna First Baptist Credit Union is headquartered in Vienna, Virginia. The mailing address is listed as P.O. Box 1905, Vienna, VA 22180.

The credit union is associated with First Baptist Church of Vienna, which is located at 450 Orchard Street NW in Vienna, Virginia, where the congregation relocated over 50 years ago from its original location.

Question 4

Where does Vienna First Baptist Credit Union operate?

Accepted Answer

Vienna First Baptist Credit Union operates primarily in Vienna, Virginia, serving members of the First Baptist Church of Vienna and their immediate family members. Vienna is located in Fairfax County in Northern Virginia, part of the Washington, D.C. metropolitan area.

As a church-based credit union, membership is restricted to individuals affiliated with First Baptist Church of Vienna. This includes church members, employees, volunteers, and their immediate family and household members. The credit union operates under a single common bond field of membership, which is typical for associational credit unions tied to a specific religious organization.

Question 5

What services does Vienna First Baptist Credit Union offer?

Accepted Answer

As a small, church-affiliated credit union, Vienna First Baptist FCU offers basic financial services to its members. These typically include:

Share Accounts (Savings): Traditional savings accounts for members to deposit funds and earn dividends.

Loan Services: Personal loans to members, including consumer loans and potentially small emergency loans. As of Q3 2025, the credit union maintained approximately $77,243 in total loans.

Member Services: Basic account services, withdrawals, and deposits facilitated through the church or by mail.

Given the credit union's small size and the fact that it does not maintain a public-facing website, digital banking services such as mobile apps and online banking platforms are likely not available. Members typically conduct transactions through traditional in-person or mail-based methods.

Question 6

What makes Vienna First Baptist Credit Union unique?

Accepted Answer

Vienna First Baptist Credit Union's distinctiveness lies in its deep connection to one of Vienna's most historic African American churches. First Baptist Church of Vienna has a remarkable 158-year history as the first and oldest church in Vienna, playing a vital role in the African American community since the post-Civil War Reconstruction era.

The credit union embodies the cooperative spirit and mutual self-help philosophy central to both the credit union movement and the African American church tradition. By serving a small, close-knit congregation, the credit union provides a safe, trusted financial resource within the church community.

With only 204 members and approximately $1.06 million in assets, Vienna First Baptist FCU maintains an intimate, personalized approach to member service that is increasingly rare in today's financial landscape. The credit union's strong net worth ratio of 14.07% (as of Q3 2025) demonstrates financial stability and conservative management.

Question 7

What type of financial institution is Vienna First Baptist Credit Union?

Accepted Answer

Vienna First Baptist Credit Union is a federal credit union chartered and regulated by the National Credit Union Administration (NCUA). It operates under charter number 24535 and serves NCUA Region 1.

As a federal credit union, Vienna First Baptist FCU is a member-owned financial cooperative. Members are simultaneously customers and owners, with each member having one vote regardless of account size. This democratic structure ensures that decisions are made in the best interest of the membership rather than external shareholders.

The credit union operates under a single common bond field of membership based on associational affiliation—specifically, membership in or association with First Baptist Church of Vienna. To join, individuals must have a connection to the church as members, employees, volunteers, or immediate family/household members of existing credit union members. Deposits are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), backed by the full faith and credit of the United States government, providing the same level of protection as FDIC insurance at banks.

Question 8

What is the financial condition of Vienna First Baptist Credit Union?

Accepted Answer

As of Q3 2025, Vienna First Baptist Credit Union demonstrates solid financial fundamentals despite experiencing some contraction. The credit union maintains a strong net worth ratio of 14.07%, well above regulatory minimum requirements, indicating substantial capitalization and financial stability.

The credit union reported total assets of approximately $1.06 million and total deposits of approximately $906,193. Return on average assets stood at 0.096%, reflecting modest profitability. However, the credit union has experienced some decline in recent years, with four-quarter growth rates showing decreases of -2.22% in total assets, -2.44% in deposits, and -20.53% in loans.

Membership also declined significantly by -40.35% over the four-quarter period to 204 members. The loan-to-share ratio of 8.52% is relatively low, indicating conservative lending practices and substantial liquidity, though it also suggests limited loan demand or restrictive lending criteria. These trends may reflect the aging demographics of the church congregation or changing financial service preferences among members.

Vienna First Baptist Credit Union (Vienna First Baptist FCU)

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About Vienna First Baptist Credit Union (Vienna First Baptist FCU) in the United States