Central Virginia Credit Union
Verified rate book
Current Central Virginia Credit Union rates
26 published offers verified as of August 4, 2026.
Auto & vehicle rates
13 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 36-Month Used Auto Loanauto_used_36mo | 2.990% APR | 2.990% | 36 mo · used | Standard |
| 36-Month New Auto Loanauto_new_36mo | 2.990% APR | 2.990% | 36 mo · new | Standard |
| 48-Month Used Auto Loanauto_used_48mo | 3.990% APR | 3.990% | 48 mo · used | Standard |
| Used Motorcycle Loanmotorcycle_used | 4.000% APR | 4.000% | used | Standard |
| 66-Month New Auto Loanauto_new_66mo | 4.990% APR | 4.990% | 66 mo · new | Standard |
| 75-Month Used Auto Loanauto_used_75mo | 5.490% APR | 5.490% | 75 mo · used | Standard |
| 84-Month New Auto Loanauto_new_84mo | 5.990% APR | 5.990% | 84 mo · new | Standard |
| 66-Month New Motorcycle Loanmotorcycle_new_66mo | 8.500% APR | 8.500% | 66 mo · new | Standard |
| 66-Month Used Motorcycle Loanmotorcycle_used_66mo | 9.000% APR | 9.000% | 66 mo · used | Standard |
| 48-Month Used Motorcycle Loanmotorcycle_used_48mo | 9.250% APR | 9.250% | 48 mo · used | Standard |
| New Boat or RVboat_new_48mo | 11.250% APR | 11.250% | 48 mo · new | Standard |
| Used Boat or RVboat_used_48mo | 12.750% APR | 12.750% | 48 mo · used | Standard |
| Used Auto & Motorcyclemotorcycle_used_60mo | 13.100% APR | 13.100% | 60 mo · used | Standard |
HELOC rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Prime Rate Equity Line of Creditheloc_variable | 5.990% APR | 5.990% | — | Standard |
| 5 Year Equity Loan Promotionheloc | 5.990% APR | 5.990% | — | Standard |
| 10 Year Equity Loan Promotionheloc | 6.490% APR | 6.490% | — | Standard |
| Preferred Prime Rate Equity Line of Creditheloc_variable | 6.750% APR | 6.750% | — | Standard |
| 15 Year Equity Loan Promotionheloc | 6.990% APR | 6.990% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Secured Personal Loanpersonal_secured | 3.000% APR | 3.000% | — | Standard |
| Personal Loan Promotionpersonal_unsecured | 5.490% APR | 5.490% | — | Standard |
| Personal Line of Creditploc_variable | 13.250% APR | 13.250% | — | Standard |
| Debt Consolidation Loanpersonal | 18.000% APR | 18.000% | — | Standard |
Credit card rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Secured Credit Cardcredit_card_secured | 5.990% APR | 5.990% | — | Standard |
| Platinum Credit Cardcredit_card_platinum | 8.990% APR | 8.990% | — | Standard |
| Visa Goldcredit_card | 13.250% APR | 13.250% | — | Standard |
| Visa Classiccredit_card | 15.250% APR | 15.250% | — | Standard |
Vehicle loans available from 2.99% APR for 36 months. HELOC rates from 5.99% APR. Personal loan rates from 3% APR. Credit card rates from 5.99% APR.
Source: RateAPI.dev, verified from Central Virginia Credit Union's official website
Latest available market position · Snapshot August 1, 2026
Central Virginia Credit Union statewide rate position
This dated snapshot compares the credit union's best published rate in each tracked product with other VA credit unions in the same product market. Products may age out of the current rate book until they are verified again.
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| New Auto Loan (best offer, cars) | 2.99% APR | #1 of 17 · top 6% | 2.99% | 4.24% | 125 bp better than state median |
| Used Auto Loan (best offer, cars) | 2.99% APR | #1 of 14 · top 8% | 2.99% | 4.79% | 180 bp better than state median |
| HELOC (best offer) | 5.99% APR | #11 of 23 · top 48% | 3.69% | 5.99% | Matches state median |
| Personal Loan (unsecured, best offer) | 5.49% APR | #2 of 27 · top 8% | 5.15% | 8.74% | 325 bp better than state median |
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About Central Virginia Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 13K
- Assets
- $201.1M
- Founded
- 1976
- Locations reported
- 5
- NCUA charter
- 22307
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Central Virginia Credit Union
Membership eligibility from Central Virginia Credit Union's own published criteria. How we verify this.
Membership criteria are published on Central Virginia Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationAmherst, Bedford, Campbell, Lynchburg City — VA
Verified from Central Virginia Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Central Virginia Credit Union?
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Frequently Asked Questions
What rates does Central Virginia Credit Union offer?
Central Virginia Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Central Virginia Credit Union rates updated?
RateAPI verifies Central Virginia Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Central Virginia Credit Union's rate data?
Rate data is collected directly from Central Virginia Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Central Virginia Credit Union's auto, boat & motorcycle loan rates?
As of August 4, 2026, Central Virginia Credit Union offers vehicle loans from 2.99% APR.
What is Central Virginia Credit Union's HELOC rate?
As of August 4, 2026, Central Virginia Credit Union offers home equity lines of credit from 5.99% APR.
What is Central Virginia Credit Union's personal loan rate?
As of August 4, 2026, Central Virginia Credit Union offers personal loans from 3% APR.
Related Rate Data
Compare Central Virginia Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Central Virginia Credit Union rates
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# Get rates for Central Virginia Credit Union
curl "https://api.rateapi.dev/credit-unions/virginia/central-virginia" \
-H "Authorization: Bearer YOUR_API_KEY"