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RVA Financial Federal Credit Union

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RVA Financial Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, RVA Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

RVA Financial Federal Credit Union's Personal Loan Rates are as low as 8.49%. RVA Financial Federal Credit Union's Credit Card Rates are at 11.65%. MonitorBankRates evaluates the financial stability of RVA Financial Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.63%. Rates last updated and verified on 09/23/2026.

RVA Financial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at RVA Financial Federal Credit Union? Share your experience about RVA Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use RVA Financial Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.63%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

RVA Financial Federal Credit Union
Thomas J. Amiss Credit Union Center

1700 Robin Hood Rd
Richmond, VA 23220

https://www.rvafinancial.com

RVA Financial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loans	-	-	3.99%
Details As Low As; Rate effective as of 03/01/2026. Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 of 3 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, a .50% discount for a loan-to-value (LTV) that is 100% or less, and 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit and collateral approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in our Preferred Dealer Network. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.63%

RVA Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RV-ATV-Motorcycle-Watercraft Loans	-	5.99%
Details As Low As; Rate effective as of 03/01/2026. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, and a 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.63%

RVA Financial Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	11.65%
Details As Low As; Rate effective as of 03/01/2026. Standard APRs for purchases and balance transfers will apply and is subject to change. We will begin charging interest on balance transfers on the transaction dates. Earn 1% cash back up to $50 monthly, $600 annually on purchases. Cash back is redeemed to share savings at month end. 1% not earned on interest, fees, cash advances, balance transfers, and must be current. RVA Financial is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. RVA Financial also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Card Agreement & Disclosure Statement for more information. Subject to credit approval. Minimum and maximum credit limits apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.63%

RVA Financial Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	8.49%
Details As Low As Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.63%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

RVA Financial Federal Credit Union’s Texas Ratio rose from 3.56% in Q2 2023 to 7.63% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$82M	7.63%	5.0	A
December 31, 2025	$76M	7.84%	5.0	A
September 30, 2025	$76M	5.57%	5.0	A+
June 30, 2025	$75M	13.59%	5.0	A
March 31, 2025	$76M	2.20%	5.0	A+
December 31, 2024	$75M	2.07%	5.0	A+
September 30, 2024	$76M	2.88%	5.0	A+
June 30, 2024	$80M	2.81%	5.0	A+
March 31, 2024	$81M	4.01%	5.0	A+
December 31, 2023	$79M	3.81%	5.0	A+
September 30, 2023	$83M	4.33%	5.0	A+
June 30, 2023	$78M	3.56%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for RVA Financial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather RVA Financial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with RVA Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name RVA Financial Federal Credit Union

Website https://www.rvafinancial.com

Address 1700 Robin Hood Rd, Richmond, VA 23220

Phone 804-359-8754

Fax 804-359-4995

President Rayford Harris Jr

CEO Cindy Lindsey

Full-Time Employees 27

Part-Time Employees 2

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.63%

Return on Assets (ROA)

0.4018%

Return on Equity (ROE)

3.4627%

Non-Performing Loans Ratio (NPL)

1.43%

Total Assets

81,712,988

Total Amount of Shares and Deposits

71,673,075

Total Shares and Deposits < 1 Year

69,993,842

Total Shares and Deposits 1 3 Years

911,989

Total Shares and Deposits > 3 Years

767,243

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,203,994

Total Uninsured Shares and Deposits > $250K (F+J)

3,203,994

Total Insured Shares and Deposits > $250K (item 17 less item K)

68,469,081

Total Interest Expense (Sum of items 6 8)

183,749

Share Certificates

579

Number of Accounts for Share Drafts

6,294

IRA KEOGH Accounts

286

Number of Accounts for Regular Shares

12,425

All other shares

339

Non Member Deposits

Money Market Shares

188

Net Income (unless the amount is already included in Undivided Earnings)

328,284

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,478,949

Total Liabilities

72,250,162

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

RVA Financial Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About RVA Financial Federal Credit Union

How many branches does RVA Financial Federal Credit Union operate?

RVA Financial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join RVA Financial Federal Credit Union?

Yes, to access services at RVA Financial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, RVA Financial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, RVA Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does RVA Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like RVA Financial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rvafinancial.com.