Central Virginia Federal Credit Union

Headquarters

Po Box 1660
Lynchburg, VA 24505
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.20%	4.66% →
1-Year CD	0.35%	4.59% →
2-Year CD	0.50%	4.25% →
5-Year CD	N.A.	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Central Virginia is an NCUA insured institution located in Lynchburg, VA. It was founded in 1976 and has approximately $190.24 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 22307
Date Established	1976
Assets	$190.24 million
Loans	$115.14 million
Deposits	$167.76 million
Capital	$20.53 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Amherst, Appomattox, Bedford and Campbell Counties, the City of Lynchburg, and the Towns of Bedford and Altavista in Virginia.

Deposit Rates - May 2, 2025

Your Current Location: Hawaii, HI 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.20%	$250	-	Learn More Reviews
Money Market	0.25%	$25,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.25%	$500	-	Learn More Reviews
12 Mo CD	0.35%	$500	-	Learn More Reviews
24 Mo CD	0.50%	$500	-	Learn More Reviews
36 Mo CD	0.60%	$500	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.10%	$750	-	Learn MoreShow Less

Loan Rates - May 2, 2025

Your Current Location: Hawaii, HI 10007

There are currently no loan rates available for Central Virginia

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Hawaii 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 401822	6.655%	6.500%	1.00	$5,195	$2,023	Learn More
NMLS ID: 3030	7.589%	7.500%	0.88	$2,800	$2,238	Learn More
NMLS ID: 1907						Learn More
NMLS ID: 491986						Learn More

See More Mortgage Rates →

Featured - Hawaii Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

See More Home Equity Rates →

Note to Central Virginia
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Central Virginia branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Kahului,Hawaii

Central Virginia Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Forest Branch	4245.28	A	View Lobby Hours
Timberlake Branch	4248.33	B	View Lobby Hours
Madison Heights Branch	4256.66	C	View Lobby Hours
Mt. Athos Branch	4258.85	D	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

CENTRAL VIRGINIA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Add Your Review

or use your BestCashCow account

Financial Details

Central Virginia Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Virginia. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Central Virginia	U.S. Average
6.96%	7.07

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2024, Central Virginia had $1,362,507 in non-current loans and $105,657 in owned assets. To cover these potential losses it had $20,525,710 in net worth and $567,969 in loans loss reserves. That gives it a Texas Ratio of 6.96%.

Net Worth

Central Virginia	U.S. Average
10.81%	14.25%

Central Virginia FCU has a net worth of 10.81% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Central Virginia

There are currently no comments for CENTRAL VIRGINIA. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

or use your BestCashCow account