Central Virginia CU Lynchburg VA | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to Central Virginia, your trusted partner in financial success since 1976. Located at 20255 Timberlake Rd, Lynchburg, VA 24502, our Timberlake Branch is dedicated to serving our community with integrity and care. With a total membership of 13,257, we pride ourselves on being more than just a credit union; we're a family that supports one another. At Central Virginia, we understand that your financial needs are unique. That's why we've grown our assets to an impressive $188,719,865 and offer a wide range of services tailored for every stage of life. Whether you're looking for personal banking options like checking and savings accounts or seeking loans for your next vehicle, home, or business venture, we are here to help you navigate your financial journey. Our commitment to our members is reflected in our robust financial health. We currently hold total deposits of $19,485,089 and maintain a net worth of $19,909,357, ensuring that your money is safe and sound. Our dedicated team of 52 employees works diligently to provide exceptional service and support. Under the leadership of CEO Roger Carson and Board President William Perrow, we strive to create lasting relationships within our community. We invite you to visit us at our branch or reach out via phone at 434-528-9016. If you need to send official correspondence, please direct it to our mailing address: PO Box 1660, Lynchburg, VA 24505. Join us today and experience the difference that comes with being part of Central Virginia. Explore our services online at www.cvfcu.com or stop by our branch during lobby hours from 9:00 AM to 6:00 PM Monday through Friday and 9:00 AM to 2:00 PM on Saturday. Your journey towards financial empowerment starts here!

Branch History & Mission

Community Engagement

Our commitment extends beyond financial services. We engage with the community through various outreach programs and partnerships aimed at enhancing the lives of those we serve. Whether it's sponsoring local events or offering educational workshops on financial literacy, we're dedicated to making a positive impact in Lynchburg. As we move forward into the future, we continue embracing digital advancements while ensuring all facilities comply with ADA standards for accessibility. Join us at Central Virginia today! Experience firsthand the benefits of being part of a credit union that not only values your financial success but is also deeply invested in uplifting the community around us. If you have any questions or would like to learn more about becoming a member, don't hesitate to reach out at 434-528-9016 or visit us online at cvfcu.com. Your journey towards better financial health starts here!

Our Mission

Our mission at Central Virginia is simple yet profound: we aim to provide exceptional financial services while actively supporting our local community. We believe that when our members thrive, so does our community. That's why we offer a range of services tailored to meet diverse needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking options. We also prioritize accessibility and innovation. With features like online and mobile banking, electronic signatures, and ATM availability, managing your finances has never been easier. Additionally, our drive-thru service allows for quick transactions without leaving your vehicle.

Branch Location & Accessibility

Accessibility Features

Accessibility is a priority at our Timberlake Branch. We have dedicated parking available right outside the entrance, and our facilities are ADA compliant, featuring ramps and other accommodations to ensure everyone can access our services comfortably.

Connect with Us

Have questions or need assistance? Don't hesitate to reach out! You can give us a call at 434-528-9016. We look forward to welcoming you at our branch soon!

Operating Hours

We're here to serve you during convenient hours! Our lobby is open from 9:00 AM to 6:00 PM Monday through Friday. Need to stop by on Saturday? Our drive-thru service is available from 9:00 AM until 2:00 PM. This flexibility ensures that you can manage your banking needs at a time that works for you.

Services Offered

At the Central Virginia Timberlake Branch, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. You can also take advantage of our ATM availability and basic drive-thru banking for quick deposits and withdrawals.

Member Eligibility

At Central Virginia, we believe that becoming a member is like joining a caring family dedicated to your financial well-being. If you're wondering about eligibility, it's pretty straightforward! Anyone who lives, works, worships, or attends school in the community can easily become part of our supportive network. We're excited to offer you access to a range of benefits, from competitive rates on loans and savings accounts to personalized service that puts your needs first. For detailed information on the specific criteria, feel free to check out our resource at http://www.cvfcu.com/connect/membership/member-benefits . Ready to take the next step? Opening an account with us is simple! Just head over to http://www.cvfcu.com/borrow/apply-for-loan where you'll find all the details you need to get started. If you have any questions or need assistance, don't hesitate to reach out at (434) 528-9016. We can't wait to welcome you to our community at 20255 Timberlake Rd Lynchburg Va 24502!

Business Banking & Commercial Services

Commercial Loans to Fuel Your Growth

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 That Make Transactions Easy

Imagine a bustling shop where customers can pay easily, and sales are processed quickly. Our merchant services enable just that allowing you to accept payments seamlessly while focusing on what matters most: running your business. From credit card processing to mobile payment options, we provide the tools necessary for smooth transactions, enhancing customer satisfaction and boosting your bottom line. Located at 20255 Timberlake Rd Lynchburg Va 24502 in Lynchburg, VA, we're here to help you thrive. Reach out to us at (434) 528-9016 to learn how we can support your business journey!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, our Business Banking services include merchant services and business loans designed to support growth. We are committed to helping local businesses thrive by providing the tools they need to succeed.

Credit Cards

Looking for a credit card that offers rewards? Our Credit Cards with Rewards program allows you to earn points on every purchase, helping you maximize your spending power while enjoying perks that fit your lifestyle.

Easy Access Services

To make banking even more convenient, we offer various ATM and cash withdrawal services along with basic drive-thru banking for quick transactions like deposits and withdrawals. You can also enjoy basic ATM access for balance checks perfect for when you're on the go. We understand that digital solutions are becoming increasingly important in today's fast-paced world. That's why our members benefit from features like online banking, mobile payments, and person-to-person transfers all designed for ease of use. If you have any questions about our services or want to learn how we can assist you further, feel free to give us a call at 434-528-9016. We invite you to visit us at Central Virginia or explore more about our offerings on our website: cvfcu.com. Discover how we can help simplify your financial life today!

Loans and Financing

If you're planning to purchase a new car or refinance your home, look no further than our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing options. We understand that buying a vehicle or a home is a significant investment, which is why we offer competitive rates and personalized service to guide you through the process smoothly. Need extra cash for a special project? Our Personal Loans & Debt Consolidation options can provide the financial boost you need.

Personal Banking

For those who are just starting their financial journey or managing day-to-day expenses, our Personal Banking services include checking and savings accounts tailored to fit your lifestyle. Imagine having the ability to easily track your spending and save for future goals all in one place. Our online and mobile banking platforms make it simple to manage your accounts anytime and anywhere.

Digital & Online Banking

Key Features of Our Online Banking

With our user-friendly online banking platform available at https://www.cvfcu.com/ , you can access your accounts 24/7. Check balances, transfer funds, and pay bills with just a few clicks. We offer electronic signature authorization, making it simple and secure to handle important documents without the need for paper. Plus, you can sign up for e-statements, so you'll always have easy access to your financial information while helping the environment. For those who prefer mobile banking, our mobile application provides all the features you need right from your smartphone. With mobile payments enabled, you can make purchases directly from your device no wallet needed! And if you need to send money to friends or family quickly, our person-to-person transfer feature lets you do just that in a matter of seconds.

Security and Accessibility

We prioritize your security with advanced measures to protect your personal information while ensuring a smooth user experience. Our online banking services are designed for ease of use, allowing you to manage your accounts anytime and anywhere with confidence. No matter what financial tasks you need to complete, Central Virginia offers the tools to help you stay organized and in control. From checking balances to making transfers or payments, everything is just a click away. Experience the ease of digital banking with us today!

Financial Strength

Commitment to Innovation

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 members' financial goals across various sectors with $20,707,086 in used auto loans and a total of $109,722,534 in loans and leases.

Growing Membership Base

Total Share Accounts stand at 25,259, showing a strong and growing member base that trusts us with their finances. This growth is supported by our commitment to providing excellent service and valuable financial solutions tailored to meet your needs. 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 20255 Timberlake Rd Lynchburg Va 24502 or call 434-528-9016 to learn more about how we can help you achieve your financial goals.

Member Savings and Growth Opportunities

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 reflected in our net income of $0, which allows us to continue offering 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.

Solid Financial Health

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.

Loan Offering

Additional Services

Our branch at 20255 Timberlake Rd Lynchburg Va 24502 is open Monday through Friday from 9:00 am to 6:00 pm and Saturday from 9:00 am to 2:00 pm. You can reach us at 434-528-9016 for any inquiries regarding our loan offerings or eligibility requirements. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We encourage you to explore our services further at our website and discover how we can support your financial journey today!

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 interested in financing a brand-new model or a reliable pre-owned vehicle, our flexible terms make it easy for you to find the right solution.

Credit Lines

For those needing additional flexibility, our credit lines totaling $13,576,693 provide access to funds whenever you need them. This means you can tackle emergencies or opportunities as they arise without hassle.

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 guide you through the process to ensure that you understand your options and can make informed decisions.

Unsecured Credit Card 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. This is an excellent option for those looking to consolidate debt or cover unexpected expenses without collateral.

Loan Aggregator

Benefits of Using LendMesh

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CENTRAL VIRGINIA FEDERAL CREDIT UNION