First Nrv Credit Union Radford VA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Nrv Federal Credit Union, your trusted financial partner located at 900 W Main St, Radford, VA 24141. Established in 1937, we have been dedicated to serving our community for over 85 years, providing a range of services tailored to meet your banking needs. With a strong membership base of 2,922 and total assets exceeding $39,674,380, we are proud to be a reliable resource for our members. At First Nrv, we understand the importance of personal connections and community impact. Our dedicated team of 11 employees, led by CEO Owen McKinnie and Board President Stanley Moore, is committed to offering personalized service that makes every member feel valued. Whether you're looking for checking accounts, auto loans, mortgages, or business banking solutions, we have the tools and expertise to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to PO Box 2963, Radford, VA 24143-2963. We invite you to explore our website at firstnrvcreditunion.com for more information about our services or to reach out directly at 540-639-0885. Join us today and experience the difference that a community-focused credit union can make in your life!

Branch History & Mission

Community Engagement

First Nrv is more than just a financial institution; we are an integral part of the Radford community. Our outreach programs aim to support local schools and charitable organizations, emphasizing the importance of giving back. We believe that when our members thrive, so does our community. As we move forward into the future, we continue to embrace digital advancements while ensuring that all facilities comply with ADA standards for accessibility. This commitment allows us to serve all members effectively and inclusively. Whether you're visiting us in person during our lobby hours Monday through Thursday from 8 AM to 5 PM and Friday until 6 PM or utilizing our drive-thru service or ATMs, we're here for you every step of the way. While members can visit us at 900 W Main St, official correspondence should be sent to PO Box 2963, Radford, VA 24143-2963. Join us at First Nrv Federal Credit Union today! Experience the difference of being part of a credit union dedicated to your financial success and well-being. Together, let's build a brighter future for you and our community! For more information on membership eligibility or how to open an account, please visit our website. You can also reach us at 540-639-0885 with any questions or inquiries.

Our Mission

Our mission is simple yet profound: to provide accessible financial services while fostering a sense of community and belonging among our members. We believe in empowering individuals and families by offering products like checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. We take pride in not only meeting your financial needs but also supporting initiatives that uplift our community. We understand that financial services are more than transactions; they are about building relationships and trust. With this in mind, we are committed to providing personalized service and innovative solutions that make banking easier for everyone. From online banking to mobile payments and ATM access available at our branch, we strive to ensure that our services fit seamlessly into your life.

Branch Location & Accessibility

Convenient Access

We understand that convenience matters when it comes to managing your finances. Our location offers ample parking, making it easy for you to stop by anytime. Plus, our branch is fully compliant with ADA standards, ensuring everyone can access our services without difficulty. If you prefer to bank from your car, we also have a drive-thru service available, perfect for quick transactions.

Operating Hours

Your time is valuable, and we want to make banking as easy as possible for you. Our lobby hours are Monday through Thursday from 8 AM to 5 PM and Friday from 8 AM to 6 PM. This gives you plenty of opportunities to visit us after work or on your lunch break. If you ever need assistance outside these hours, don't hesitate to give us a call at 540-639-0885.

Services Offered

At First Nrv Federal Credit Union, we take pride in offering a wide range of services tailored just for you. From checking and savings accounts to auto loans and mortgage options, we've got what you need for personal finance management. We also provide online and mobile banking services for those who prefer handling their finances digitally. While members can visit us at 900 W Main St for all banking needs, official correspondence should be sent to PO Box 2963, Radford, VA 24143-2963 if needed. We invite you to come explore everything First Nrv has to offer! Stop by today or give us a call we're here to help you achieve your financial goals!

Member Eligibility

Becoming a member of First Nrv is like joining a close-knit community where your financial well-being is our top priority. If you live, work, or worship in the Radford area or have family members who are already part of our credit union, you're likely eligible to join us! Our membership criteria are designed to be inclusive and welcoming, ensuring that you can take advantage of the benefits we offer. You can find more specific details about eligibility by visiting our website at http://www.firstnrvcreditunion.com/membership. Once you're ready to join, opening an account with us is straightforward and stress-free. Just head over to https://firstnrv.cuconnections.com/loan-application/type and follow the easy steps outlined there. If you have any questions or need assistance along the way, feel free to call us at (540) 639-0885. We're excited to help you become a part of the First Nrv family, where great service and community support await!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify payment processing. Imagine running your business smoothly as customers pay quickly and easily, whether in-store or online. Our solutions help you focus more on growing your business and less on handling transactions. Visit us at 900 W Main St Radford Va 24141 in Radford, VA, or call us at (540) 639-0885 to learn how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $788,152, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Support

For entrepreneurs and small business owners, we offer tailored solutions through our business banking services. From merchant services that facilitate smooth transactions to business loans that can help expand your operations, we are here to support your journey toward success.

Call Us Today!

Whether you're opening an account for the first time or seeking guidance on loan options, our friendly team is ready to assist you. For more information about any of our services or to speak with one of our representatives, don't hesitate to call us at (540) 639-0885. At First Nrv, we're committed to helping you thrive financially come visit us today!

Digital and Convenient Banking

In today's fast-paced world, convenience is key. That's why First Nrv provides robust online and mobile banking features. You can easily access your accounts, transfer funds, pay bills, and even send money to friends or family with just a few clicks using our online & mobile banking tools. For those times when you prefer face-to-face interactions, our drive-thru service allows you to conduct basic transactions like deposits and withdrawals without leaving your vehicle. Plus, we have ATMs readily available for quick cash withdrawals or balance checks.

Personal Banking Solutions

Our personal banking options are designed for everyday life. Whether you're looking to open a checking or savings account, we have accounts that fit your lifestyle and help you manage your money effectively. Need a vehicle? Our auto loans and vehicle financing services make purchasing a car more accessible than ever. You can also explore our mortgage loans and refinancing options to help you secure your dream home or lower your monthly payments. If you're dealing with debt, our personal loans and debt consolidation services can provide the support you need to regain control over your finances. And for those who enjoy rewards, our credit cards come with benefits that can enhance your spending experience.

Digital & Online Banking

Key Features

With our mobile payments feature, making purchases directly from your phone is simple and secure. Whether you're grabbing coffee or shopping online, you can complete transactions without reaching for your wallet. If you need to send money to friends or family quickly, our person-to-person transfer option lets you do just that with ease. While we currently do not offer electronic signature authorization, rest assured that all other aspects of our online services are designed with security in mind. Your financial information is protected using advanced encryption methods. At First Nrv, we prioritize accessibility and convenience. With real-time account management tools and features tailored to your needs, banking has never been easier or more efficient. Join us today and experience the comfort of modern banking!

Financial Strength

Growing Trust Among Members

Total Share and Deposit Accounts: 5,509, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 reinforces our commitment to supporting your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Nrv is your trusted partner. Visit us at 900 W Main St Radford Va 24141 or call (540) 639-0885 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $11,260,611 in share certificates, 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 $184,361 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 10 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

With $2,999,502 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 $335 in used auto loans and $25,234,612 in total loans and leases.

Strong Financial Health

With a net worth of $3,183,863, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $802 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 $4,457,196 in used vehicle loans and $1,004,911 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable pre-owned car, we have options that can fit your budget.

Credit Card Loans

Managing your finances effectively is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $1,518,977 in loans helping our members manage their spending without sacrificing control. Our credit cards come with rewards and benefits designed to enhance your everyday purchases.

Credit Lines and Business Loans

For those looking for additional flexibility, our total credit lines stand at $2,750,000. This resource allows you to access funds as needed without the stress of reapplying each time. For business owners, our outstanding commercial loans totaling $788,152 provide essential capital needed to grow and expand your business operations. We believe that understanding your eligibility for refinancing or other loan options is key to making informed decisions about your finances. We encourage you to check out our resources or speak with one of our knowledgeable staff members for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and see how First Nrv can help you achieve your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,637,341, make buying or refinancing simple. We provide tailored solutions that help simplify the process of securing your dream home while ensuring you understand every step along the way.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from reputable financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make better decisions based on current market trends. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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 commitment ensures that users receive fair and transparent offers. Each listed loan option comes from legitimate financial institutions, giving users confidence in their choices.

First Nrv