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.

Spring

Balance Transfer Promotion
All cardholders will receive 2.99% APR for 12 months on balance transfers between 2/15/2025 and 5/15/2025.

Summer

Balance Transfer Promotion
All cardholders will receive 1.99% APR for 6 months on balance transfers between 6/01/2025 and 9/01/2025.

Fall

Balance Transfer Promotion
All cardholders will receive 3.99% APR on balance transfers for 15 months between 10/01/25 and 12/01/25.

Winter Cardholder Promotion

(Digital Campaign)
All cardholders will receive 1.99% APR for 9 months on retail purchases between 11/28/25 and 12/05/25.

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