Central Virginia CU Lynchburg VA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Central Virginia, your trusted credit union serving the community from our branch located at 3404 Old Forest Rd, Lynchburg, VA 24501. Established in 1976, we have proudly supported over 13,000 members with a commitment to providing exceptional financial services tailored to meet your needs. With total assets reaching an impressive $188,719,865 and total deposits of $19,485,089, we are well-equipped to help you achieve your financial goals. At Central Virginia, we believe in building lasting relationships with our members. Our dedicated team of 52 employees, led by CEO Roger Carson and Board President William Perrow, is here to ensure you receive personalized assistance every step of the way. Whether you're looking for auto loans, savings accounts, or business banking solutions, our range of services is designed with you in mind. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 1660, Lynchburg, VA 24505. Feel free to reach out to us at 434-528-9016 or check out our website at www.cvfcu.com for more information about how we can serve you better. Join us in making a positive impact in our community and experience the benefits of being a part of Central Virginia Credit Union today!

Branch History & Mission

At Central Virginia, we proudly reflect on our journey that began in 1976, when our doors first opened to the community of Lynchburg, VA. Since then, we have grown from a small credit union into a trusted financial partner for over 13,000 members. Our branch, located at 3404 Old Forest Rd, Lynchburg, VA 24501, is not just a place for banking; it is a hub of support and community engagement. Over the years, we've achieved significant milestones that highlight our commitment to serving our members. With total assets now exceeding $188 million, we have established a robust financial foundation that allows us to offer a wide range of services from personal banking and auto loans to business financing and credit cards with rewards. Our mission has always been clear: to provide accessible financial solutions while fostering a sense of community among our members. At Central Virginia, we believe in making banking easier and more convenient for everyone. That's why we offer multiple ways for you to manage your finances whether through online banking or mobile payments. With our drive-thru service and ATM availability, you can conduct transactions with ease. We are also committed to being ADA compliant so that all members can access our services comfortably. Our mission extends beyond just offering financial products; it's about empowering individuals and supporting local initiatives. We actively participate in community outreach programs and strive to create partnerships that uplift those around us. It's important for us to give back and help build a stronger community. While members can visit us at 3404 Old Forest Rd for their banking needs, official correspondence should be sent to P.O. Box 1660, Lynchburg, VA 24505. Our friendly team is here Monday through Friday from 9 AM to 6 PM to assist you with any questions or services you may need. We invite you to join the Central Virginia family and experience firsthand the benefits of membership. Whether you're looking for personal banking solutions or seeking support for your business needs, we're here for you every step of the way. Come see how we can help you achieve your financial goals! For more information or to become a member today, visit us at cvfcu.com.

Branch Location & Accessibility

Convenient Access and Features

At Central Virginia, we believe that banking should be simple and straightforward. Our location offers ample parking, ensuring that you can easily access our services without any hassle. For those who need assistance, our branch is ADA compliant, with ramps and features designed to support all members of our community. Our doors are open Monday through Friday from 9 AM to 6 PM, giving you plenty of time to stop by after work or during lunch breaks. Whether you need help with a checking account, want to inquire about auto loans, or have questions about our credit card options, our friendly team is here to assist you.

Services Tailored for You

In addition to personal banking options such as checking and savings accounts, we offer various services including auto loans, mortgage loans, and credit cards with rewards. Need to make a quick transaction? Our drive-thru banking service allows for easy deposits and withdrawals without leaving your vehicle. Plus, with ATM availability right at our branch, accessing cash is quick and convenient. If you prefer conducting business from home, we also provide online and mobile banking services. This means you can manage your finances anytime and anywhere! While members can visit us at 3404 Old Forest Rd for all their banking needs, official correspondence should be sent to P.O. Box 1660 in Lynchburg. We invite you to come in and discover how Central Virginia can help make your financial goals a reality. Feel free to call us at 434-528-9016 if you have any questions or would like more information about our services. We look forward to seeing you soon!

Member Eligibility

Becoming a member of Central Virginia is like joining a close-knit family where your financial well-being is our priority. If you live, work, or worship in the Lynchburg area or if you have a family member who's already part of our community, you're likely eligible to join us! We're dedicated to providing you with personalized services and competitive rates that can help you thrive financially. Whether you're looking to open a checking account, secure a loan, or simply enjoy the benefits of being part of a member-focused credit union, we've got you covered. For more detailed eligibility criteria, feel free to check out this resource: http://www.cvfcu.com/connect/membership/member-benefits. Ready to take the next step? Opening an account at Central Virginia is simple and straightforward! Just give us a call at (434) 528-9016, and our friendly team will guide you through the process. You can also find all the information you need about how to get started by visiting http://www.cvfcu.com/borrow/apply-for-loan. Join us today at our branch located at 3404 Old Forest Rd Lynchburg Va 24501 and start experiencing the advantages of membership!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $291,582, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to simplify transactions for your business. Imagine being able to process payments quickly and securely while managing your cash flow effortlessly. Our merchant services provide just that enabling you to focus on what you do best: running your business. Visit us at 3404 Old Forest Rd Lynchburg Va 24501 in Lynchburg, VA, or call us at (434) 528-9016 to learn how we can partner with you on your journey toward success!

Comprehensive List Of Services

Additional Services

For those quick banking needs, we provide drive-thru services for deposits, withdrawals, and simple transactions without leaving your car. Our friendly staff is always ready to assist you through the drive-thru lane. At Central Virginia Credit Union, we're more than just a bank; we're a partner in your financial journey. If you're ready to explore what we can do for you or have any questions about our services, don't hesitate to reach out! Call us today at 434-528-9016, or visit us online at www.cvfcu.com. Let us help you achieve your financial dreams!

Business Banking Services

We also understand that local businesses play a vital role in our community's economy. Our business banking services, including merchant services and business loans, are crafted to support entrepreneurs and small business owners in their growth journeys.

Embracing Digital Convenience

In today's fast-paced world, having access to your accounts anytime is essential. Our online and mobile banking features empower you to manage your finances from anywhere whether it's checking balances, transferring funds, or paying bills all from the comfort of your smartphone. Plus, with ATM access for cash withdrawals and balance checks available at numerous locations, you can handle transactions whenever needed.

Home Financing Made Easy

Buying a home is one of the biggest decisions you'll ever make. That's why we offer mortgage loans and refinancing options that can simplify the process. With competitive rates and personalized guidance, we strive to make homeownership more attainable for everyone in Lynchburg.

Personal Banking Solutions

For those looking to take control of their personal finances, our checking and savings accounts offer flexible options that fit various lifestyles. Imagine easily setting aside money for that dream vacation or managing daily expenses with ease our accounts make this possible. Additionally, if you're in the market for a new vehicle, our auto loans and vehicle financing are designed to get you on the road quickly and affordably.

Support for Your Financial Goals

If you're dealing with debt or just need some extra cash, our personal loans and debt consolidation services provide an effective way to manage your finances. You can achieve your goals while keeping payments manageable. And for those who prefer using credit responsibly, our credit cards with rewards allow you to earn benefits on your everyday purchases.

Digital & Online Banking

Key Features of Our Online Banking Services

Managing your money has never been easier! Our 24/7 online banking services allow you to check balances, pay bills, and transfer funds at your convenience. You can also enjoy the benefits of e-statements, which not only help reduce paper clutter but also provide a secure way to view your account statements electronically. If you're on the go, our mobile application makes it even simpler to manage your finances. You can make mobile payments with ease and send money directly to friends or family through our person-to-person transfer feature. Plus, if you need to sign documents quickly, our electronic signature authorization lets you handle important transactions without the hassle of printing or mailing.

Security and Accessibility

Your security is our top priority. All our online services use the latest technology to keep your information safe while allowing you to take control of your finances. Whether you're using a computer or mobile device, you'll find that navigating our platform is user-friendly and intuitive. With all these features at your fingertips, staying on top of your financial goals has never been more accessible. At Central Virginia, we're committed to providing you with the tools you need for real-time account management and peace of mind in every transaction. Explore everything our digital banking services have to offer today!

Financial Strength

A Strong Foundation

With a net worth of $19,909,357, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.54% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth

With $19,796,586 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $20,707,086 in used auto loans and a total of $109,722,534 in loans and leases.

Growing Community Trust

Total Share Accounts stand at 25,259, showing a strong and growing member base that trusts us with their finances. Our commitment to you is unwavering; we're here to support your needs whether you're saving for the future or seeking assistance with loans. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Central Virginia is your trusted partner. Visit us at 3404 Old Forest Rd Lynchburg Va 24501 or call 434-528-9016 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $1,705,541 in share certificates and $33,103,083 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our current net income of $0, which allows us to maintain competitive loan rates and solid financial products for our members. We also take pride in having 43 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $27,067,086 in used vehicle loans and $10,288,069 in new vehicle loans already helping members get on the road. Whether you're purchasing a new or used vehicle, our straightforward loan options make it easier than ever to drive away in the car you desire.

Business Financing

For business owners, our outstanding commercial loans totaling $291,582 provide the capital needed to grow and expand. We understand the unique challenges that come with running a business and are here to support your financial needs. Our dedicated team at Central Virginia is ready to assist you through every step of your loan journey. Feel free to reach out by calling us at 434-528-9016 or visit us at 3404 Old Forest Rd Lynchburg Va 24501 during our operating hours from Monday to Friday between 9 AM and 6 PM. For more information on eligibility and how to apply for any of our loan products, please check out our website or visit our eligibility page here. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Personal Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,519,237 in loans helping members manage their finances effectively. Additionally, our total credit lines amount to $13,576,693, providing you with the flexibility you need for various personal expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $12,515,551, make buying or refinancing simple. We provide personalized service to help you navigate through the mortgage process smoothly. If you're looking to refinance an existing mortgage, we have competitive rates available as well.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This sourcing guarantees that the offers presented are fair and transparent. By relying on verified financial institutions, LendMesh ensures that users have access to accurate information when comparing loan options.

CENTRAL VIRGINIA FEDERAL CREDIT UNION - Lynchburg, VA

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