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
Turbocharged Vehicle Loan Promotion- Rates as low as 1.99%! Purchases of new or used cars, trucks and motorcycles (2014-or newer).
Midway Vehicle Loan Promotion- Rates as low as 2.99%! Purchases of used vehicles, trucks and motorcycles (2009-2013).
Preferred Choice Loan Promotion- Bring your loan to us and we may be able to beat your rate or written offer by 1% APR*.
Holiday and Vacation Loan Promotions- Borrow up to $3,000 at 6% APR* for a term of 24 months.
*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.
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
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