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

Sweet Escape!

Vacation Loan Special- Borrow up to $3,000 for a 24 month term at a rate of 6% APR*.

Preferred Choice Loan Promotion- Bring your loan to us and we may be able to beat your rate or written offer by 1% APR*.

Home Equity Loan Promotion- Spring renovations? Why not use the equity in your home? 

  •  Competitive rates

  • Credit union pays closing costs*

  • First payment delayed for up to 45 days

  •  First ten members approved will receive a $25 gift card

*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.


Equity Line, Equity Loans, & Mortgage Loans

  • Home Equity- Take cash up front, and repay the loan over time with a fixed rate and fixed monthly payments.

  • Home Equity Line of Credit (HELOC)- Get approved for a max amount available, and take only what you need when you need it.

  • RVA-FPCU offers a variety of mortgages including VHDA, Conventional, USDA and more. For mortgage questions, please contact loan officer Chemeka Williams for help (804) 354-0673 ext. 202.


Interested in a loan with RVA-FPCU, Here’s what you need

  • All New Loans

    • Credit Report/Proof of Income

  • Auto Loans

    • New Car

      • Buyer’s Order

    • Used Car/Dealership

      • Buyer’s Order and Vin/Mileage

    • Used Car/Private

      • Bill of Sell, Pictures (front, side, back and odometer) and Vin/Mileage

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