Central Virginia CU Lynchburg VA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Central Virginia, where your financial well-being is our top priority! Located at 1638 Mount Athos Rd, Lynchburg, VA 24504, our Mt. Athos Branch has been serving the community since 1976. As part of our commitment to you, we proudly support over 13,257 members, helping them achieve their financial goals through a range of personalized services. At Central Virginia, we understand that trust is earned. That's why we've built a solid reputation with total assets of $188,719,865 and a net worth of $19,909,357. We offer various loan options tailored to fit your needs, including auto loans and personal loans, with total loans amounting to 13,582. With total deposits reaching $19,485,089, your savings are safe and sound with us. We believe in making banking convenient for you. Our branch features services like online banking and mobile payments, ensuring that you can manage your finances anytime and anywhere. Plus, with our friendly staff and dedicated team of 52 employees, we're here to guide you every step of the way. While members can visit us at our branch location, official correspondence should be sent to our mailing address at PO Box 1660, Lynchburg, VA 24505. If you have any questions or need assistance, don't hesitate to give us a call at 434-528-9016. Join us in embracing a brighter financial future together! Visit our website at cvfcu.com today or stop by our branch to learn more about how we can help you thrive.

Branch History & Mission

Community Engagement

As part of our commitment to the community, we are equipped with modern conveniences such as an ATM and drive-thru service for easy access to your accounts. Our lobby hours are from 9:00 am through 6:00 pm Monday through Friday, ensuring that you can always reach us when you need assistance. While members can visit us at 1638 Mount Athos Rd, official correspondence should be sent to PO Box 1660, Lynchburg, VA 24505 if different from our branch address. In today's digital world, we are proud to offer ADA-compliant services and customer-centric initiatives designed for all our members' needs.

Join Us!

We invite you to experience the benefits of being part of Central Virginia. Whether you're looking for personal banking solutions or want to explore our loan options, we're here for you every step of the way. For more information or to become a member today, call us at 434-528-9016 or visit our website at www.cvfcu.com. Join us in building a brighter financial future together!

Our Mission

At the heart of Central Virginia's mission is a dedication to empowering individuals and families financially. We strive to offer personalized service that makes banking easy and stress-free. Whether it's helping members secure loans for their dream homes or providing essential banking tools, we believe everyone deserves access to quality financial resources. We also understand the importance of being a responsible corporate citizen. That's why we engage in various community programs aimed at improving financial literacy and supporting local initiatives.

Our Story

From humble beginnings, Central Virginia has always aimed to put its members first. Over the years, we've adapted to meet the changing needs of our community while maintaining our core mission: to provide accessible financial solutions that enhance the lives of those we serve. As we evolved, we introduced new services like online banking and mobile payments to ensure convenience for our members. Our history reflects significant milestones that include expanding our offerings in personal banking, auto loans, and business services. We also take pride in our partnerships with local organizations that allow us to give back through community outreach initiatives.

Branch Location & Accessibility

Welcome to the Central Virginia branch, located at 1638 Mount Athos Rd in the heart of Lynchburg, VA. Our friendly team is here to provide you with convenient banking services in a welcoming environment. Whether you're popping in for a quick transaction or need assistance with your financial goals, we make it easy for you. Our branch is easily accessible and positioned near familiar landmarks, making it a breeze to visit. You can find us close to the scenic Rivermont Park, which is perfect for a stroll before or after your banking needs. Parking is available right outside our doors, ensuring that you can quickly get in and out without any hassle. We also prioritize accessibility with features like ramps and ADA-compliant entryways, so everyone can visit us comfortably. We're open Monday through Friday from 9:00 am to 6:00 pm, providing ample time during the week for your banking needs. If you prefer managing your finances on the go, we offer ATM services along with drive-thru banking for your convenience. With our drive-thru, you can handle deposits, withdrawals, and simple transactions without leaving your vehicle. In addition to our personal banking options like checking and savings accounts, auto loans, and mortgages, we also cater to business banking needs. If you have any questions or would like more information about our services, don't hesitate to give us a call at 434-528-9016. While members can visit us at 1638 Mount Athos Rd, official correspondence should be sent to our mailing address: PO Box 1660, Lynchburg, VA 24505. We invite you to stop by or reach out today! Your financial journey starts here at Central Virginia where community and convenience come together.

Member Eligibility

At Central Virginia, we believe that becoming a member is like joining a close-knit family where everyone supports one another. If you're looking to join us, you'll find that the eligibility criteria are quite simple and welcoming. Typically, individuals who live, work, worship, or attend school in our community are eligible for membership. We also extend our arms to immediate family members of current members, making it easier for your loved ones to enjoy our services as well. You can find all the details about eligibility on our website at http://www.cvfcu.com/connect/membership/member-benefits. Opening an account with us is straightforward and designed with you in mind. Whether you're interested in personal banking, loans, or simply want to be part of a supportive financial community, we have something for everyone. To get started, just give us a call at (434) 528-9016, or visit our account opening page here: http://www.cvfcu.com/borrow/apply-for-loan. We look forward to welcoming you into the Central Virginia family at 1638 Mount Athos Rd Lynchburg Va 24504!

Business Banking & Commercial Services

Business 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 that simplify your payment processing. Imagine running your daily operations without worrying about cash flow interruptions. Our systems allow you to accept payments easily, ensuring that transactions are smooth for both you and your customers. With reliable support from our team at Central Virginia, you can focus on what matters most growing your business. Visit us at 1638 Mount Athos Rd Lynchburg Va 24504 in Lynchburg, VA or call us at (434) 528-9016 to learn more about how we can partner with you on your journey to success!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners in the community, we offer specialized business banking solutions. Our merchant services streamline payment processing while our business loans help fuel growth and expansion. We know that running a business comes with its own challenges; that's why we strive to provide supportive banking options that allow you to focus on what matters most your business.

Convenient Banking Access

At Central Virginia, we value convenience as much as you do. Our ATM services offer easy access for cash withdrawals and balance checks anytime you need them. Additionally, our drive-thru service allows for quick transactions without leaving your vehicle perfect for busy days when time is of the essence.

Credit Cards and Rewards

With our credit cards featuring rewards programs, spending wisely can earn you points towards exciting perks. Whether it's cash back or travel rewards, using our credit card can enhance your purchasing power while also providing convenience and security.

Get Started Today!

Ready to take control of your finances? Reach out to us at (434) 528-9016 or visit us at 1638 Mount Athos Rd Lynchburg Va 24504 in Lynchburg, VA during our lobby hours from 9:00 am to 6:00 pm Monday through Friday. Discover how Central Virginia can support your financial goals with personalized service and comprehensive solutions tailored just for you! For more information about our services or to start an application, visit us online at Mt. Athos Branch. We look forward to serving you!

Loans and Financing Options

When it comes to financing, we offer various options to suit your needs. If you're planning to purchase a vehicle, our auto loans provide flexible terms and competitive rates. For those considering homeownership or refinancing their current mortgage, our mortgage loans are designed with member-friendly conditions. Plus, if you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the relief you need.

Personal Banking Solutions

We understand that everyone's financial situation is unique. That's why our personal banking services include checking and savings accounts designed to help you manage your day-to-day finances with ease. Imagine having a reliable checking account for your everyday purchases and a savings account that helps you reach your goals faster. With our online and mobile banking features, accessing your accounts is just a click away, making it easier than ever to keep track of your finances on the go.

Digital & Online Banking

Mobile Banking Made Easy

Stay connected with our mobile application, which allows you to bank on the go. Need to make a quick payment? Our mobile payments feature lets you send money instantly through person-to-person transfers. It's an excellent way to split bills or send gifts without hassle. Just download the app and start enjoying these conveniences!

Online Banking Services

Our comprehensive online banking platform is available 24/7 at https://www.cvfcu.com/. Whether you want to check your balance, transfer funds, or pay bills, our user-friendly interface makes it easy. You can also access electronic statements, so you always have your financial documents at your fingertips. Plus, with electronic signature authorization, signing important documents has never been simpler.

Safety First

We prioritize your security while providing these digital services. Our systems are designed with top-notch security measures to protect your information. You can rest easy knowing that your data is safe as you manage your finances online. At Central Virginia, we strive to make banking accessible and straightforward for all our members. With our array of digital options, managing your money has never been easier! Visit us online today at https://www.cvfcu.com/ and discover how we can help simplify your banking experience.

Financial Strength

A Dedicated Team

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. This dedicated workforce helps us maintain a personal touch while managing over 25,259 share accounts, showing a strong and growing member base that trusts us with their finances.

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 net income of $0 reflects our operational efficiency during this period. Even without profit this year, our commitment remains to provide competitive loan rates and solid financial products for our members.

Reinvesting for You

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 across various sectors with $27,067,086 in used auto loans and an impressive total of $109,722,534 in total loans and leases.

Solid Financial Health

With a net worth of $19,909,357, we maintain robust 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.

Your Trusted Partner

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 1638 Mount Athos Rd Lynchburg Va 24504 or call 434-528-9016 to learn more about how we can help you achieve your financial goals.

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 looking for financing for a brand-new vehicle or a reliable used car, we have options that can fit your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $291,582 provide the capital needed to grow and expand your business ventures. At Central Virginia, we prioritize your financial well-being. If you're considering refinancing options or want to learn more about eligibility requirements, feel free to reach out to us at (434) 528-9016 or visit us at our branch located at 1638 Mount Athos Rd Lynchburg Va 24504 in Lynchburg, VA. Our dedicated team is ready to assist you with any inquiries you may have. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Credit Lines

For those who need extra flexibility, our total credit lines amounting to $13,576,693 can provide you with peace of mind during unexpected expenses or financial planning.

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 are here to guide you through the process and help you secure the best terms possible.

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. These cards come with various benefits designed to meet your everyday spending needs without the burden of collateral.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan 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 means users receive fair and transparent offers tailored to their needs. Each loan comparison reflects accurate information, allowing borrowers to compare options without confusion.

CENTRAL VIRGINIA FEDERAL CREDIT UNION - Lynchburg, VA

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