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 4.


Current Loan Promotions

  • Vacation Loan Promotion- Take your family on the vacation they deserve and let RVA-FPCU help with the expense. Borrow up to $3,000 for a max term of 24 months at a rate of 6% APR*.
  • Fresh Start Loan Promotion-Bring your secured or unsecured loan to us and we may be able to beat your current rate or offer by up to 1.00% APR.*  Limited time offer so talk with our experienced loan officers today.
  • TrailBlazing Loan Promotion- Auto rates as low as 1.99% APR* for qualified members. 
  • Back to School Loans- The cost of education can sometimes be expensive. RVA-FPCU has it covered. Let us help cover the cost of your child's school supplies this coming school year. Speak with a loan officer during business hours for more details. 

*Restrictions and conditions may apply on all loan promotions. 


New and Used Vehicle Loans

  • Financing available for new and used vehicles, motorcyles, boats and RVs.
  • TRUECar, our third-party auto buying partner gives you access to research tools and car pricing information.
  • You can get a loan approval amount so that you know how much car you can buy once you start shopping.

Fixed Rate VISA® Credit Card

  • 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].

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.

Overdraft Protection Credit Line

  • Only pay interest on the outstanding credit that you use, and not on the actual credit limit.
  • Keeps you from bouncing a check and owing fees for overdrafts.
  • Can help protect your checking account consumer reporting record.

Equity Line, Equity Loans, & Mortgage Loans

  • We have partnered with Lender Select to give you a variety of mortgage product options.  Contact us for rates and options.
  • An Equity loan works best when you have a one-time expense such as building a home addition or buying a vehicle
  • An Equity line works best when you have ongoing expenses such as paying taxes or when you want a line available for emergencies