VBSFCU is a non-profit financial organization owned and operated by its members for the benefit of all who belong – and founded on the philosophies of “people helping people” and “not for profit, but for service.” We were founded in 1960 by teachers and originally operated in the print shop of Princess Anne High School. Unlike some financial institutions, our volunteer Board of Directors are member-owners who work in the best interest of fellow member-owners. Without shareholders to pay, profits are returned to you in the form of lower loan rates, low or no-fee products and services and higher savings rates. At a bank, the only people who benefit from profits are the investors.