Central Virginia Federal Credit Union

Headquarters

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

Notable Rates APY Vs.Others
Savings 0.20% 4.01% →
1-Year CD 0.35% 4.50% →
2-Year CD 0.50% 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

Central Virginia is an NCUA insured institution located in Lynchburg, VA. It was founded in 1976 and has approximately $201.15 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 22307
Date Established 1976
Assets $201.15 million
Loans $85.68 million
Deposits $184.70 million
Capital $14.88 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 - November 28, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.20% $250 - Learn More
Money Market
0.25% $25,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $500 - Learn More
12 Mo CD
0.35% $500 - Learn More
24 Mo CD
0.50% $500 - Learn More
36 Mo CD
0.60% $500 - Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $750 - Learn MoreShow Less

Loan Rates - November 28, 2022

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PADDIO
NMLS ID: 1907
6.415% 6.250% 0.75 $4,375 $1,540 Learn More
Rocket Mortgage
NMLS ID: 3030
7.400% 7.250% 1.00 $3,750 $1,706 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.653% 7.500% 1.00 $3,750 $1,749 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.240 %
$0 Learn More
More Info

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:
Ashburn,Virginia


Central Virginia Locations



Climate 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.

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
1.99% 4.24

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 June 30, 2022, Central Virginia had $199,171 in non-current loans and $105,657 in owned assets. To cover these potential losses it had $14,882,565 in net worth and $443,698 in loans loss reserves. That gives it a Texas Ratio of 1.99%.

Net Worth
Central Virginia U.S. Average
7.63% 12.40%

Central Virginia FCU has a net worth of 7.63% versus the BestCashCow average of 12.40. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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