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Roanoke Valley Community Federal Credit Union

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Roanoke Valley Community Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Roanoke Valley Community 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 18, 2026

Roanoke Valley Community Federal Credit Union's 36 Month CD rates are at 2.53%. Roanoke Valley Community Federal Credit Union's Personal Loan Rates are as low as 9.50%. Roanoke Valley Community Federal Credit Union's Credit Card Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Roanoke Valley Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.11%. Rates last updated and verified on 09/18/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.11%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Roanoke Valley Community Federal Credit Union
Main Office

723 5th St NE
Roanoke, VA 24016-2123

https://www.rvccu.org

Roanoke Valley Community Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
36 Month Share Certificate	2.50%	2.53%	36 months
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Roanoke Valley Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Loan	-	-	5.75%	13-60 months
Details LTV: 80% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Fixed Rate Loan	-	-	6.25%	61-120 months
Details LTV: 80% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Fixed Rate Loan	-	-	6.75%	121-180 months
Details LTV: 80% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Roanoke Valley Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.99%	60 - 96 months
Details Model Year: 2023 - current Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Auto Loan	-	-	5.49%	60 - 84 months
Details Model Year: 2022 - 2021 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Auto Loan	-	-	5.99%	60 - 72 months
Details Model Year: 2020 - 2019 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Auto Loan	-	-	6.24%	48 - 66 months
Details Model Year: 2018 - 2017 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Auto Loan	-	-	6.49%	36 - 60 months
Details Model Year: 2016 - 2015 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Auto Loan	-	-	7.49%	36 - 48 months
Details Model Year: 2014 and older Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Roanoke Valley Community Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum	-	9.99%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Classic Credit Card	-	13.50%
Details Credit Limit: $1,000.00 to $7,000.00; Annual Fee: $0.00; Balance Transfer Fee: $0.00; Over-limit Fee: $0.00; Late Payment Fee: up to $25.00; Travel Accident Insurance: $250,000.00; Credit Life and/or Disability Insurance: Optional; APR range: 13.50% or 16.50% APR Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
VISA Classic	-	13.50%
Details APR range: 13.50% or 16.50% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Roanoke Valley Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured / Signature Loan	9.50%	24 - 60 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Roanoke Valley Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Classic Card Loan	-	-	13.50%
Details A low APR; Low fees; Same APR for purchases and cash advances; 25 day grace period to avoid finance charges; $250,000.00 Travel Accident Insurance; Optional Credit Life Insurance Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Platinum Card Loan	-	-	9.99%
Details Our lowest APR; Generous credit limits; Same APR for purchases and cash advances; Limited fees; 25 day grace period to avoid finance charges; $500,000.00 Travel Accident Insurance; Warranty Manager Auto Rental Insurance; Emergency Monetary Services; Travel planning assistance; Many more great travel benefits and discounts; Optional Credit Life Insurance Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Platinum Loan	-	-	9.99%
Details Credit Limit: $5,000.00 to $20,000.00; Annual Fee: $0.00; Balance Transfer Fee: $0.00; Over-limit Fee: $0.00; Late Payment Fee: $0.00; Travel Accident Insurance: $500,000.00; Credit Life and/or Disability Insurance: Optional Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Secured Card Loan	-	-	13.50%
Details Build up your credit history. This card provides the same great benefits and low APR as our VISA Classic Credit Card. The available credit balance on the card is entirely secured by money in your RVCCU Savings Account. Who this card is for: A young person who needs to establish their credit history; Parents who want to teach older children to use credit responsibly without giving up their peace of mind; An adult who needs to rebuild their credit history because of divorce, medical debt, credit mistakes, or other reasons Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Traditional and Roth Individual Retirement Accounts	-	-	0.25%
Details Annual Percentage Yield (APY) is effective as of July 1, 2024, and is based on the average daily balance (ADB) maintained in the account. "APR" is the Annual Percentage Rate. "Min. Bal." is the minimum balance to earn APY. Rates are subject to change. Please speak with an RVCCU representative for more information. Download our Truth-in-Savings Disclosure Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

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

Roanoke Valley Community Federal Credit Union’s Texas Ratio fell from 1.93% in Q2 2023 to 1.11% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$107M	1.11%	5.0	A+
December 31, 2025	$103M	1.26%	5.0	A+
September 30, 2025	$102M	4.47%	5.0	A+
June 30, 2025	$102M	3.14%	5.0	A+
March 31, 2025	$105M	2.44%	5.0	A+
December 31, 2024	$106M	2.29%	5.0	A+
September 30, 2024	$108M	1.33%	5.0	A+
June 30, 2024	$105M	1.02%	5.0	A+
March 31, 2024	$104M	0.31%	5.0	A+
December 31, 2023	$103M	0.56%	5.0	A+
September 30, 2023	$102M	2.36%	5.0	A+
June 30, 2023	$102M	1.93%	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 Roanoke Valley Community 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 Roanoke Valley Community 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 Roanoke Valley Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Roanoke Valley Community Federal Credit Union

Website https://www.rvccu.org

Address 723 5th St NE, Roanoke, VA 24016-2123

Phone 540-982-3931

Fax 540-982-3937

President Dorothy Dixon

CEO Pam Duke

Full-Time Employees 20

Part-Time Employees 5

Branch Locations 4

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.11%

Return on Assets (ROA)

0.3883%

Return on Equity (ROE)

2.4244%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

107,084,948

Total Amount of Shares and Deposits

89,644,914

Total Shares and Deposits < 1 Year

89,390,614

Total Shares and Deposits 1 3 Years

180,462

Total Shares and Deposits > 3 Years

73,838

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

3,084,749

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

3,084,749

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

86,560,165

Total Interest Expense (Sum of items 6 8)

112,174

Share Certificates

Number of Accounts for Share Drafts

5,758

IRA KEOGH Accounts

135

Number of Accounts for Regular Shares

11,517

Money Market Shares

191

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

415,774

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)

14,252,288

Total Liabilities

89,935,710

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Roanoke Valley Community 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Roanoke Valley Community Federal Credit Union

How many branches does Roanoke Valley Community Federal Credit Union operate?

Roanoke Valley Community 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 Roanoke Valley Community Federal Credit Union?

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

Does Roanoke Valley Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Roanoke Valley Community 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.rvccu.org.