Loan & Overdraft Credit Line Products

At RVA-FPCU we offer competitive rates and a variety of products and terms.  Talk with us about your borrowing needs because we have solutions to help save you money.

If you have any additional questions, please contact a loan officer at 804-354-0673/Option 2.

Fixed Rate VISA® Credit Card AND BALANCE TRANSFERS

  • Fixed rate and Below average APRs.

  • VISA® is internationally accepted and offers members other benefits, too.

  • There is no credit card annual fee.

  • Embedded chip to help protect against fraud and identity theft [view Chip Guide].

  • Accounts opened between 10/01/2024 and 12/7/2024 will receive 1.99% APR on retail purchases and balance transfers for 6 months.

New and Used VehicleS, Motorcycle, Boats and RV Loans

  • Financing available for new and used vehicles, motorcycles, boats and RVs.

  • You can get a loan approval amount so that you know how much car you can buy once you start shopping.

Savings and Certificate Secured Loans

  • Low rate of borrowing and your deposit earns dividends, too.

  • With a Savings Secured loan, your money becomes available as soon as your loan balance decreases.

  • With a Certificate Secured loan, your certificate renews automatically until your loan is paid in full.

Personal Loan

  • Better choice for short-term borrowing needs or when faced with unexpected bills.

  • Once you borrow from RVA-FPCU, if you borrow again, then the process is quicker the next time.

  • Simple interest and fixed-rate with no payment increases.

Interested in a Loan with RVA-FPCU, Here's What You Need

  • All New Loans

    • Proof of Income

  • Auto Loans

    • New Car

      • Buyer’s Order with Vin/Mileage

      • Proof of Insurance with Richmond Virginia Fire Police Credit Union listed as lien holder

    • Used Car/Dealership

      • Buyer’s Order with Vin/Mileage

      • Proof of Insurance with Richmond Virginia Fire Police Credit Union listed as lien holder

    • Used Car/Private

      • Bill of Sale, Pictures (front, side, back, odometer and Vin)

      • Proof of Insurance with Richmond Virginia Fire Police Credit Union listed as lien holder

    • Used cars more than 10 years old will need an appraisal