Case Study: Virginia Credit Union achieves a unified, scalable digital member experience with Blend

How adopting innovative banking technology is making it possible for Virginia Credit Union to keep up with rapid industry changes while staying true to their roots

Virginia Credit Union, a Richmond-based credit union approaching $7 billion in assets and 500,000 members after a 2024 merger, had long built in-house digital applications but faced a crossroads in 2020: build, buy, or Blend. They went live with Blend’s Mortgage Solution in 2020 and chose to expand with Blend’s full mortgage suite and consumer banking products to create a unified, flexible digital application ecosystem that could scale across loans, deposits and membership.

Virginia Credit Union implemented the Blend platform (Mortgage Suite and consumer banking suite), integrating front- and back-end tools and features like Magic Links to streamline workflows. The results include measurable improvements in deposit onboarding—70% of member debit cards funded on account creation, 90% of members felt supported (up from 70%), and 83% found the process easy (up from 77%)—plus better day-one certainty through automated income and asset verification, fewer abandoned applications, reduced staff follow-up, time savings, and improved applicant quality. Blend’s solution has enabled VACU to scale across products and pursue future features like a multi-product shopping cart.

Virginia Credit Union

Frank Macrina

Senior Vice President, Products & Channels