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 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?
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.
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
Buyer’s Order and Vin/Mileage
Bill of Sell, Pictures (front, side, back and odometer) and Vin/Mileage
Used cars more than 10 years old will need an appraisal