Central Virginia CU Madison Heights VA | Best Auto Loans & Personal Banking

Introduction

Welcome to Central Virginia, your trusted partner in financial wellness since 1976! Located at 109 Seminole Dr, Madison Heights, VA 24572, our branch is dedicated to serving our community with integrity and care. With over 13,257 members and a solid financial foundation of $188,719,865 in assets, we pride ourselves on being a reliable resource for all your banking needs. At Central Virginia, we understand that every financial journey is unique. That's why we offer a wide range of services tailored just for you be it personal banking options like checking and savings accounts, auto loans, mortgage refinancing, or even business banking solutions. Our commitment to fostering strong relationships extends beyond numbers; it's about building trust within our community. While members can visit us at 109 Seminole Dr, official correspondence should be sent to PO Box 1660, Lynchburg, VA 24505. We encourage you to reach out anytime at 434-944-2225 or explore our website at cvfcu.com for more information about our services and member benefits. Under the leadership of our CEO Roger Carson and Board President William Perrow, we are not just here to manage your finances; we're here to empower you to achieve your goals. With a net worth of $19,909,357 and total deposits reaching $19,485,089, you can rest assured knowing that your money is in safe hands. Join us today as we continue to strengthen our commitment to our members and the communities we serve. Whether you're looking to open an account or inquire about a loan, we're here for you from 9:00 AM to 6:00 PM Monday through Friday, with drive-thru service available on Saturdays from 9:00 AM to 2:00 PM. Visit us soon your future starts here!

Branch History & Mission

Join Us!

As we continue this journey together, we invite you to become part of the Central Virginia family. Experience firsthand the benefits of membership that extend beyond traditional banking services. Join us today and discover how we can help you achieve your financial dreams! Visit our website for more information on membership eligibility and account openings. Together, let's build a stronger community!

Modern Services

In today's fast-paced world, we embrace digital advancements to ensure convenience for our members. With online and mobile banking options available, managing finances has never been easier. Additionally, our ATM availability and drive-thru services enhance accessibility for all members. Our operating hours are Monday through Friday from 9:00 am to 6:00 pm and Saturday from 9:00 am to 2:00 pm for drive-thru only. You can reach us at (434) 944-2225 for any inquiries or assistance needed.

Our Journey

Since our inception, Central Virginia has been dedicated to serving the financial needs of our community. Our journey has been marked by significant milestones that reflect our commitment to providing excellent service and support. As we evolved, we embraced new technologies and adapted to the changing financial landscape while maintaining our core mission of putting members first. Today, we offer a wide range of services designed to empower our members, including personal banking solutions like checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. We also cater to businesses with merchant services and business loans. This diverse array of offerings helps us meet the unique needs of each member while fostering a strong sense of community.

Our Mission

At the heart of Central Virginia's mission is a dedication to enriching the lives of our members through accessible financial services and unwavering community support. We believe in building lasting relationships with our members by offering personalized service and trustworthy advice. Our team strives to create an environment where every member feels valued and supported in achieving their financial goals. We are not just about numbers; we are about people. Our commitment goes beyond banking as we actively engage in community outreach efforts that uplift those around us. We understand the importance of giving back and continuously seek partnerships that promote local growth and development. While you can visit us at 109 Seminole Dr Madison Heights Va 24572, official correspondence should be sent to PO Box 1660, Lynchburg, VA 24505 if necessary.

Branch Location & Accessibility

Convenient Access and Parking

Parking is a breeze at our Madison Heights Branch. We offer ample parking space right in front of the building, making it simple for you to stop by. Our branch is also designed with accessibility in mind, featuring ramps and ADA-compliant entrances to ensure everyone can easily access our services.

Friendly Service Hours

We understand that everyone has busy schedules. That's why we're open from 9:00 am to 6:00 pm Monday through Friday. On Saturdays, you can take advantage of our drive-thru service from 9:00 am to 2:00 pm for quick transactions without having to leave your vehicle.

Get in Touch

Ready to experience excellent service? Our team is eager to assist you! Give us a call at 434-944-2225 if you have any questions or need more information. We invite you to visit us today and see how Central Virginia can help you achieve your financial goals!

Services Tailored for You

At Central Virginia's Madison Heights Branch, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we're here to support you every step of the way. Plus, with an ATM available on-site and convenient drive-thru banking options for deposits and withdrawals, managing your finances has never been easier!

Member Eligibility

At Central Virginia, we're excited to welcome you into our vibrant community! Becoming a member is not just about banking; it's about joining a supportive network that puts your needs first. To be eligible, you simply need to live, work, worship, or attend school in the areas we serve. This means if you're part of our local neighborhoods, you're already on the right track! If you're curious about the specifics, feel free to check out more details at http://www.cvfcu.com/connect/membership/member-benefits . Opening an account with us is a breeze! You can easily start the process by visiting our website at http://www.cvfcu.com/borrow/apply-for-loan . Our friendly staff is here to assist you every step of the way. If you have any questions or need assistance, don't hesitate to reach out at (434) 944-2225. We look forward to having you as part of our family at Central Virginia, located conveniently at 109 Seminole Dr Madison Heights Va 24572!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine a busy Saturday where your customers can pay easily using mobile wallets or cards this convenience keeps them coming back. Our services ensure you can focus on what you do best: running your business. Visit us at 109 Seminole Dr Madison Heights Va 24572 in Madison Heights, VA, or give us a call at (434) 944-2225 to learn more about how we can support your business journey!

Supporting Business 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.

Comprehensive List Of Services

Additional Services

For those quick transactions or deposits, take advantage of our Basic Drive-Thru Banking, where you can handle simple banking tasks without leaving your vehicle. And if you're ever unsure about your account balance while out shopping, our Basic ATM Access lets you withdraw cash or check balances at any time. We invite you to experience all that Central Virginia has to offer! Whether you're a long-time member or considering joining us for the first time, our friendly staff is ready to assist you. For more information on opening an account or exploring our services further, please call us at (434) 944-2225 or visit us online at Madison Heights Branch. Join us in making your financial dreams a reality today!

Business Banking

For entrepreneurs and small business owners, we provide comprehensive Business Banking solutions including Merchant Services & Business Loans. These services can help streamline operations and support growth whether you're just starting out or looking to expand.

Digital Convenience

In today's fast-paced world, convenience matters. That's why our Online & Mobile Banking features allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, or pay bills all from the comfort of your home or while on the go. Plus, with our ATM & Cash Withdrawal Services, accessing cash is straightforward and hassle-free.

Financial Solutions

Need extra cash? Our Personal Loans & Debt Consolidation services can help you consolidate existing debts or fund unexpected expenses with ease. Plus, our Credit Cards with Rewards allow you to earn points on everyday purchases, giving you more value for your spending.

Home Financing

Thinking about purchasing a home? Our Mortgage Loans & Refinancing services provide flexible options to fit different budgets and lifestyles. We understand that buying a house is one of the biggest decisions you'll make, which is why we strive to offer competitive rates and personalized guidance throughout the process.

Personal Banking

Our personal banking services include Checking & Savings Accounts that help you manage your money effectively. Imagine effortlessly keeping track of your spending with our user-friendly online banking platform while earning interest on your savings. If you're thinking about buying a new vehicle, our Auto Loans & Vehicle Financing options make it easy to get behind the wheel without breaking the bank.

Digital & Online Banking

Accessibility and Real-Time Management

With 24/7 online banking, you can stay in control of your finances around the clock. Whether you're checking account balances or setting up mobile payments, everything is designed for ease-of-use. You won't have to worry about waiting in lines or adjusting your schedule; our digital services are here for you whenever you need them. At Central Virginia, we believe that managing your money should be straightforward and secure. Dive into our digital banking experience today and discover how easy it is to take charge of your financial future!

Key Services Available

Our online banking services at https://www.cvfcu.com/ allow you to check balances, pay bills, and transfer money with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. Plus, with our mobile application, managing your finances on the go is more accessible than ever. We prioritize your security. You can confidently complete transactions knowing that we offer electronic signature authorization for various services. This means signing documents online is both secure and hassle-free. Additionally, you can opt for e-statements to reduce clutter while keeping your financial records organized and easy to access.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 25,259, showing a strong and growing member base that trusts us with their finances. 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 109 Seminole Dr Madison Heights Va 24572 or call 434-944-2225 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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 enables 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, committed team.

Reinvesting in Our Members

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 $20,707,086 in used auto loans and $109,722,534 in total loans and leases.

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

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. We provide flexible terms and fast approvals to make your car-buying experience smooth and straightforward.

Business Loans

For business owners, our outstanding commercial loans totaling $291,582 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are dedicated to supporting local entrepreneurs with tailored financing solutions. If you're considering refinancing any of your current loans or exploring eligibility options, feel free to reach out. Our friendly staff at Central Virginia can help you understand all your options so you can make informed decisions about your financial future. You can visit us at 109 Seminole Dr Madison Heights Va 24572, call us at (434) 944-2225, or explore more about our loan products online at https://www.cvfcu.com/. 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 assist you in reaching your financial goals with confidence!

Credit Lines

Need extra cash for unexpected expenses? Our credit lines offer up to $13,576,693 in available funds, giving you peace of mind when you need it most. You only pay interest on what you use, making it a cost-effective option for managing your finances.

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. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

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. Our credit cards come with competitive rates and rewards programs that fit your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 compliance guarantees fair and transparent offers for all users. By aggregating data only from legitimate institutions, LendMesh eliminates any confusion or uncertainty about the loans available to you.

CENTRAL VIRGINIA FEDERAL CREDIT UNION