What are the current interest rates at Central Virginia Federal Credit Union?

Current rates for Central Virginia Federal Credit Union include: 12-Month CD: 0.45%, 24-Month CD: 0.55%, Savings: 0.10%

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Central Virginia Federal Credit Union

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Central Virginia Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Virginia 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: October 9, 2026

Central Virginia Federal Credit Union's top rates as of October 9, 2026 are 2.00% APY on its 36 Month Preferred CD, 0.10% APY on savings, 0.05% APY on checking, personal loans from 10.49% APR, and credit cards from 5.99% APR, according to rates verified by MonitorBankRates. Other Central Virginia Federal Credit Union CD rates include 36 Month CD at 1.95%, 24 Month Preferred CD at 1.90%, and 24 Month CD at 1.85%. MonitorBankRates evaluates the financial stability of Central Virginia Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.15%. Rates last updated and verified on 10/09/2026.

Central Virginia 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 Central Virginia Federal Credit Union? Share your experience about Central Virginia Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Central Virginia Federal Credit Union.

Verified Healthy Q2 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

7.15%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Central Virginia Federal Credit Union
Mt. Athos Branch

1638 Mount Athos Rd
Lynchburg, VA 24504-5429

https://www.cvfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Central Virginia Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Preferred Certificate	-	2.00%	36 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
36 Month Certificate	-	1.95%	36 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
24 Month Preferred Certificate	-	1.90%	24 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
24 Month Certificate	-	1.85%	24 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
12 Month Preferred Certificate	-	1.80%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
12 Month Certificate	-	1.75%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
6 Month Preferred Certificate	-	1.50%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
6 Month Certificate	-	1.45%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business 36 Month Preferred	-	0.70%	36 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business 36 Month	-	0.65%	36 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business 24 Month Preferred	-	0.60%	24 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business 24 Month	-	0.55%	24 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business 12 Month Preferred	-	0.50%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business 12 Month	-	0.45%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business 6 Month Preferred	-	0.25%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business 6 Month	-	0.20%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	-	0.75%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
MM Savings	-	0.10%
Min Balance $500 Details Balance: $500.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Share Savings	-	0.10%
Min Deposit $5 Min Balance $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union Business Savings Rates

Product	Rate	APY
Business MM Savings	-	0.10%
Min Balance $500 Details Balance: $500.00 - $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business Share Savings	-	0.10%
Min Deposit $5 Min Balance $250 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union Checking Rates

Product	Rate	APY
Branchless Checking	-	0.05%
Min Deposit $0 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Dominion Club Checking	-	0.05%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Interest Checking	-	0.05%
Min Deposit $250 Min Balance $750 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Preferred Checking	-	0.05%
Min Deposit $1,200 Min Balance $1,200 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	-	0.05%
Min Deposit $100 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 5 Year Equity Loan Promotion	-	-	5.99%	60 month
Details As Low As; Offer available for a limited time. Up to 80% Loan to Value. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Home Equity 10 Year Equity Loan Promotion	-	-	6.49%	120 month
Details As Low As; Offer available for a limited time. Up to 90% Loan to Value. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Home Equity 15 Year Equity Loan Promotion	-	-	6.99%	180 month
Details As Low As; Offer available for a limited time. Up to 100% Loan to Value. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
HELOC Preferred Prime Rate Equity Line of Credit	-	-	7.00%
Details As Low As; Requires automatic payment from CVFCU checking account Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 17, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
HELOC Prime Rate Equity Line of Credit	-	-	7.50%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Sep 17, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	2.99%	Up to 36 months
Details As low as; Modal Year: 2025 & newer Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Auto	-	-	2.99%	Up to 36 months
Details As low as; Modal Year: 2020-2025 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
New Auto	-	-	3.99%	Up to 48 months
Details As low as; Modal Year: 2025 & newer Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Auto	-	-	3.99%	Up to 48 months
Details As low as; Modal Year: 2020-2025 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
New Auto	-	-	4.99%	Up to 66 months
Details As low as; Modal Year: 2025 & newer Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Auto	-	-	4.99%	Up to 66 months
Details As low as; Modal Year: 2020-2025 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Auto	-	-	4.99%	Up to 48 months
Details As low as; Modal Year: 2016-2019 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.99% ▲ 1.00 pts · high 4.99% / low 3.99% Sep 17, 20264.99%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
New Auto	-	-	5.49%	Up to 75 months
Details As low as; Modal Year: 2025 & newer Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Auto	-	-	5.49%	Up to 75 months
Details As low as; Modal Year: 2020-2025 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
New Auto	-	-	5.99%	Up to 84 months
Details As low as; Modal Year: 2025 & newer Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Auto	-	-	5.99%	Up to 84 months
Details As low as; Modal Year: 2020-2025 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Auto	-	-	5.99%	Up to 60 months
Details As low as; Modal Year: 2016-2019 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Auto & Motorcycle	-	-	13.35%	Up to 60 months
Details As low as; Used Auto & Motorcycle Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.10% → 13.35% ▲ 0.25 pts · high 13.35% / low 13.10% Sep 17, 202613.35%▲ from 13.10% Sep 14, 202613.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	8.75%	Up to 66 months
Details As low as; Modal Year: 2025 & newer Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.50% → 8.75% ▲ 0.25 pts · high 8.75% / low 8.50% Sep 17, 20268.75%▲ from 8.50% Sep 14, 20268.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Motorcycle Loan	-	9.25%	Up to 66 months
Details As low as; Modal Year: 2025 & newer Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.00% → 9.25% ▲ 0.25 pts · high 9.25% / low 9.00% Sep 17, 20269.25%▲ from 9.00% Sep 14, 20269.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Motorcycle Loan	-	9.50%	Up to 48 months
Details As low as; Modal Year: 2020-2024 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.25% → 9.50% ▲ 0.25 pts · high 9.50% / low 9.25% Sep 17, 20269.50%▲ from 9.25% Sep 14, 20269.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
New Motorcycle Loan	-	9.75%	Up to 75 months
Details As low as; Modal Year: 2025 & newer Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.50% → 9.75% ▲ 0.25 pts · high 9.75% / low 9.50% Sep 17, 20269.75%▲ from 9.50% Sep 14, 20269.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Motorcycle Loan	-	10.25%	Up to 75 months
Details As low as; Modal Year: 2025 & newer Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.00% → 10.25% ▲ 0.25 pts · high 10.25% / low 10.00% Sep 17, 202610.25%▲ from 10.00% Sep 14, 202610.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Motorcycle Loan	-	10.50%	Up to 66 months
Details As low as; Modal Year: 2020-2024 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25% Sep 17, 202610.50%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Motorcycle Loan	-	11.00%	Up to 48 months
Details As low as; Modal Year: 2016-2019 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Sep 17, 202611.00%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Motorcycle Loan	-	11.25%	Up to 66 months
Details As low as; Modal Year: 2016-2019 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.00% → 11.25% ▲ 0.25 pts · high 11.25% / low 11.00% Sep 17, 202611.25%▲ from 11.00% Sep 14, 202611.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
New Boat or RV Loan	-	11.50%	Up to 48 months
Details As low as; Model Year: 2025 & newer Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25% Sep 17, 202611.50%▲ from 11.25% Sep 14, 202611.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
New Boat or RV Loan	-	11.75%	Up to 60 months
Details As low as; Model Year: 2025 & newer Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.50% → 11.75% ▲ 0.25 pts · high 11.75% / low 11.50% Sep 17, 202611.75%▲ from 11.50% Sep 14, 202611.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Used Boat or RV Loan	-	13.00%	Up to 48 months
Details As low as; Model Year: 2020-2026 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Sep 17, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Secured	-	5.99%
Details Standard Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Visa Platinum	-	8.99%
Details Standard Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Visa Gold	-	13.25%
Details Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Visa Classic	-	15.25%
Details Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business Visa	-	15.50%
Details Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan Promotion	10.49%	12 months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99% Sep 25, 202610.49%▲ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Personal Loan Promotion	10.99%	24 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Personal Loan Promotion	11.99%	36-60 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Personal Line of Credit	13.50%
Details Variable rate Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.25% → 13.50% ▲ 0.25 pts · high 13.50% / low 13.25% Sep 17, 202613.50%▲ from 13.25% Sep 14, 202613.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Consolidation Loan	18.00%
Details Variable rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Central Virginia Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
30-60-90 Day Loan	-	-	18.00%
Details Fixed rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Equity Loan	-	-	5.99%
Details Annual Percentage Rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business MM Gold	-	-	0.40%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business MM Platinum	-	-	0.70%
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Business MM Preferred	-	-	0.50%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Coverdell Savings Account	-	-	0.50%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Free Kasasa Cash Checking	-	-	5.00%
Min Balance $0 Details Qualifications Required: 5.00% APY* on balances up to $25,000; 5.00% to 1.40% APY* on balances over $25,000 depending on balance in account; 0.05% APY* if qualifications aren't met; Qualifying balance up to $25,000.00; Refunds on ATM Withdrawal Fees: Up to $25 monthly* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Kasasa Cash Checking	4.889%	-	5.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH payment transaction; 15 debit card purchases; eStatements enrollment; online banking enrollment/login; Balance: up to and including $25,000.00; ATM fee reimbursements up to $25 monthly. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Kasasa Cash Checking	0.50%	-	0.50%
Min Balance $0 Details When qualifications aren't met. ATM fee reimbursements are not refunded. Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 5.00% → 0.50% ▼ 4.50 pts · high 5.00% / low 0.50% Oct 9, 20260.50%▼ from 5.00% Sep 29, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
MM Gold	-	-	0.75%
Min Balance $2,500 Details Balance: $2,500.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
MM Platinum	-	-	1.00%
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
MM Preferred	-	-	0.80%
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Central Virginia Federal Credit Union’s Texas Ratio stayed near 7.23% in Q3 2023 to 7.15% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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
June 30, 2026	$198M	7.15%	5.0	A
March 31, 2026	$201M	5.66%	5.0	A+
December 31, 2025	$193M	6.52%	5.0	A
September 30, 2025	$193M	7.87%	5.0	A
June 30, 2025	$194M	8.92%	5.0	A
March 31, 2025	$197M	5.57%	5.0	A+
December 31, 2024	$190M	7.58%	5.0	A
September 30, 2024	$189M	10.20%	5.0	A
June 30, 2024	$189M	10.59%	5.0	A
March 31, 2024	$193M	6.16%	5.0	A
December 31, 2023	$197M	8.54%	5.0	A
September 30, 2023	$201M	7.23%	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 Central Virginia 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 Central Virginia 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 Central Virginia Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Virginia Federal Credit Union

Website https://www.cvfcu.com

Address 1638 Mount Athos Rd, Lynchburg, VA 24504-5429

Phone 434-528-9016

Fax 434-528-2647

President William Perrow

CEO Roger Carson

Full-Time Employees 46

Part-Time Employees 9

Branch Locations 5

ATM Locations 5

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

7.15%

Return on Assets (ROA)

0.6882%

Return on Equity (ROE)

5.4631%

Non-Performing Loans Ratio (NPL)

1.59%

Total Assets

197,763,455

Total Amount of Shares and Deposits

171,208,237

Total Shares and Deposits < 1 Year

170,370,971

Total Shares and Deposits 1 3 Years

837,266

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

3,938,853

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

3,938,853

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

167,269,384

Total Interest Expense (Sum of items 6 8)

321,785

Share Certificates

167

Number of Accounts for Share Drafts

8,494

IRA KEOGH Accounts

298

Number of Accounts for Regular Shares

15,648

Money Market Shares

930

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)

15,243,698

Total Liabilities

172,851,341

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Central Virginia Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Central Virginia Federal Credit Union

How many branches does Central Virginia Federal Credit Union operate?

Central Virginia 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 Central Virginia Federal Credit Union?

Yes, to access services at Central Virginia 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, Central Virginia 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, Central Virginia Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Central Virginia Federal Credit Union offer online and mobile banking?

Most modern institutions like Central Virginia 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.cvfcu.com.

Current Central Virginia Federal Credit Union Rates

12-Month CD0.45%
24-Month CD0.55%
Savings0.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Central Virginia Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Central Virginia Federal Credit Union Texas Ratio

Central Virginia Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Central Virginia Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Central Virginia Federal Credit Union

How many branches does Central Virginia Federal Credit Union operate?

Is a member application needed to join Central Virginia Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Central Virginia Federal Credit Union offer online and mobile banking?

Current Central Virginia Federal Credit Union Rates

Compare to Other Credit Unions