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Central Virginia Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 23, 2026
Central Virginia Federal Credit Union's 36 Month Preferred CD rates are at 2.00%, 36 Month CD rates are at 1.95%, 24 Month Preferred CD rates are at 1.90%, 24 Month CD rates are at 1.85%, 12 Month Preferred CD rates are at 1.80%. Central Virginia Federal Credit Union's savings rates are at 0.10%. Central Virginia Federal Credit Union's money market rates are at 1.00%. Central Virginia Federal Credit Union's checking rates are as high as 5.00%. Central Virginia Federal Credit Union's Personal Loan Rates are as low as 10.49%. Central Virginia Federal Credit Union's Credit Card Rates are at 5.99%. MonitorBankRates evaluates the financial stability of Central Virginia Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.15%. Rates last updated and verified on 10/23/2026.
Central Virginia Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central Virginia Federal Credit Union? Share your experience about Central Virginia Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Central Virginia Federal Credit Union.
Central Virginia Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Central Virginia Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
7.15%
ExcellentHigher than avg
Central Virginia Federal Credit Union Texas Ratio
Central Virginia Federal Credit Union's Texas Ratio is 7.15%, which is considered excellent and is higher than the national average of 6.13%.
Central Virginia Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Central Virginia Federal Credit Union Health Trend
7.23% to 7.15% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Central Virginia Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
36 Month Preferred Certificate
-
2.00%
36 Month
DetailsPreferred Certificates require an active CVFCU checking account or CVFCU credit card
Last Updated10/23/2026
Rate History
No change since Oct 5, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
36 Month Certificate
-
1.95%
36 Month
No additional details.
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
24 Month Preferred Certificate
-
1.90%
24 Month
DetailsPreferred Certificates require an active CVFCU checking account or CVFCU credit card
Last Updated10/23/2026
Rate History
No change since Oct 5, 2026 · 1.90% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
24 Month Certificate
-
1.85%
24 Month
No additional details.
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
12 Month Preferred Certificate
-
1.80%
12 Month
DetailsPreferred Certificates require an active CVFCU checking account or CVFCU credit card
Last Updated10/23/2026
Rate History
No change since Oct 5, 2026 · 1.80% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
12 Month Certificate
-
1.75%
12 Month
No additional details.
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
6 Month Preferred Certificate
-
1.50%
6 Month
DetailsPreferred Certificates require an active CVFCU checking account or CVFCU credit card
Last Updated10/23/2026
Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
6 Month Certificate
-
1.45%
6 Month
No additional details.
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Certificates - 36 Month Preferred
-
0.70%
36 Month
DetailsPreferred Certificate; requires active CVFCU checking account or CVFCU credit card; Early withdrawal penalties apply
Last Updated10/23/2026
Rate History
1 change since Oct 13, 2026 · 2.00% → 0.70% ▼ 1.30 pts · high 2.00% / low 0.70%
Oct 23, 20260.70%▼ from 2.00%
Oct 13, 20262.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Certificates - 36 Month
-
0.65%
36 Month
DetailsEarly withdrawal penalties apply
Last Updated10/23/2026
Rate History
1 change since Oct 13, 2026 · 1.95% → 0.65% ▼ 1.30 pts · high 1.95% / low 0.65%
Oct 23, 20260.65%▼ from 1.95%
Oct 13, 20261.95%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Certificates - 24 Month Preferred
-
0.60%
24 Month
DetailsPreferred Certificate; requires active CVFCU checking account or CVFCU credit card; Early withdrawal penalties apply
Last Updated10/23/2026
Rate History
1 change since Oct 13, 2026 · 1.90% → 0.60% ▼ 1.30 pts · high 1.90% / low 0.60%
Oct 23, 20260.60%▼ from 1.90%
Oct 13, 20261.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Certificates - 24 Month
-
0.55%
24 Month
DetailsEarly withdrawal penalties apply
Last Updated10/23/2026
Rate History
1 change since Oct 13, 2026 · 1.85% → 0.55% ▼ 1.30 pts · high 1.85% / low 0.55%
Oct 23, 20260.55%▼ from 1.85%
Oct 13, 20261.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Certificates - 12 Month Preferred
-
0.50%
12 Month
DetailsPreferred Certificate; requires active CVFCU checking account or CVFCU credit card; Early withdrawal penalties apply
Last Updated10/23/2026
Rate History
1 change since Oct 13, 2026 · 1.80% → 0.50% ▼ 1.30 pts · high 1.80% / low 0.50%
Oct 23, 20260.50%▼ from 1.80%
Oct 13, 20261.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Certificates - 12 Month
-
0.45%
12 Month
DetailsEarly withdrawal penalties apply
Last Updated10/23/2026
Rate History
1 change since Oct 13, 2026 · 1.75% → 0.45% ▼ 1.30 pts · high 1.75% / low 0.45%
Oct 23, 20260.45%▼ from 1.75%
Oct 13, 20261.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Certificates - 6 Month Preferred
-
0.25%
6 Month
DetailsPreferred Certificate; requires active CVFCU checking account or CVFCU credit card; Early withdrawal penalties apply
Last Updated10/23/2026
Rate History
1 change since Oct 13, 2026 · 1.50% → 0.25% ▼ 1.25 pts · high 1.50% / low 0.25%
Oct 23, 20260.25%▼ from 1.50%
Oct 13, 20261.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Certificates - 6 Month
-
0.20%
6 Month
DetailsEarly withdrawal penalties apply
Last Updated10/23/2026
Rate History
1 change since Oct 13, 2026 · 1.45% → 0.20% ▼ 1.25 pts · high 1.45% / low 0.20%
Oct 23, 20260.20%▼ from 1.45%
Oct 13, 20261.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Central Virginia Federal Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
-
0.75%
Min Deposit$5
Min Balance$5
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
MM Savings
-
0.10%
Min Balance$500
DetailsBalance: $500.00
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Money Market - MM Savings
-
0.10%
Min Balance$500
DetailsMinimum Balance: $500.00
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Share Savings
-
0.10%
Min Deposit$250
Min Balance$5
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Central Virginia Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market - MM Platinum
-
1.00%
Min Balance$25,000
DetailsMinimum Balance: $25,000.00
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 1.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Money Market - MM Preferred
-
0.80%
Min Balance$10,000
DetailsMinimum Balance: $10,000.00
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 0.80% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Money Market - MM Gold
-
0.75%
Min Balance$2,500
DetailsMinimum Balance: $2,500.00
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 0.75% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Money Market - MM Savings
-
0.10%
Min Balance$500
DetailsMinimum Balance: $500.00
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Central Virginia Federal Credit Union Checking Rates
Product
Rate
APY
View More
Free Kasasa Cash Checking
-
5.00%
Min Balance$0
DetailsQualifications Required; Balance: $0.00 - $25,000.00; Featured rate on balances up to $25,000.00
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 5.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Kasasa Cash Checking
4.889%
5.00%
Min Balance$0
DetailsQualifications Required; Balance: up to and including $25,000.00; Featured rate on balances up to $25,000.00; No minimum deposit to open; ATM withdrawal fees refunded up to $25 monthly
Last Updated10/23/2026
Rate History
No change since Sep 29, 2026 · 5.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Branchless Checking
-
0.05%
Min Deposit$500
Min Balance$0
Last Updated10/23/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Dominion Club Checking
-
0.05%
Min Deposit$1,000
Min Balance$1,000
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Interest Checking
-
0.05%
Min Deposit$750
Min Balance$250
Last Updated10/23/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Preferred Checking
-
0.05%
Min Deposit$1,200
Min Balance$1,200
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Central Virginia Federal Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking
-
0.05%
Min Balance$100
DetailsMinimum to earn interest: $1,000.00
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Central Virginia Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
-
-
2.99%
DetailsAs Low As; Up to 2.99% Annual Percentage Rate
Last Updated10/23/2026
Rate History
No change since Sep 18, 2026 · 2.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
New Auto Loan
-
-
4.99%
Up to 66 months
DetailsAs Low As; Model Year: 2025 & newer; Online application and automatic payment discounts do not apply to promotional rates
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Used Auto Loan
-
-
4.99%
Up to 66 months
DetailsAs Low As; Model Year: 2020-2025; Online application and automatic payment discounts do not apply to promotional rates
Last Updated10/23/2026
Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Used Auto Loan
-
-
4.99%
Up to 48 months
DetailsAs Low As; Model Year: 2016-2019; Online application and automatic payment discounts do not apply to promotional rates
Last Updated10/23/2026
Rate History
1 change since Sep 14, 2026 · 3.99% → 4.99% ▲ 1.00 pts · high 4.99% / low 3.99%
Sep 17, 20264.99%▲ from 3.99%
Sep 14, 20263.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
New Auto Loan
-
-
5.49%
Up to 75 months
DetailsAs Low As; Model Year: 2025 & newer; Online application and automatic payment discounts do not apply to promotional rates
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Used Auto Loan
-
-
5.49%
Up to 75 months
DetailsAs Low As; Model Year: 2020-2025; Online application and automatic payment discounts do not apply to promotional rates
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
New Auto Loan
-
-
5.99%
Up to 84 months
DetailsAs Low As; Model Year: 2025 & newer; Online application and automatic payment discounts do not apply to promotional rates
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Used Auto Loan
-
-
5.99%
Up to 84 months
DetailsAs Low As; Model Year: 2020-2025; Online application and automatic payment discounts do not apply to promotional rates
Last Updated10/23/2026
Rate History
No change since Sep 17, 2026 · 5.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Used Auto Loan
-
-
5.99%
Up to 60 months
DetailsAs Low As; Model Year: 2016-2019; Online application and automatic payment discounts do not apply to promotional rates
Last Updated10/23/2026
Rate History
No change since Sep 17, 2026 · 5.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Variable Used Auto & Motorcycle Loan
-
-
13.35%
Up to 60 months
DetailsAs Low As; Model Year: 2016-2019
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 13.35% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Central Virginia Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Fixed Motorcycle Loan - New Motorcycle
-
8.75%
Up to 66 months
DetailsAs Low As; Model Year: 2025 & newer; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 8.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Fixed Motorcycle Loan - Used Motorcycle
-
9.25%
Up to 66 months
DetailsAs Low As; Model Year: 2025 & newer; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 9.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Fixed Motorcycle Loan - Used Motorcycle
-
9.50%
Up to 48 months
DetailsAs Low As; Model Year: 2020-2024; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 9.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Fixed Motorcycle Loan - New Motorcycle
-
9.75%
Up to 75 months
DetailsAs Low As; Model Year: 2025 & newer; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 9.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Fixed Motorcycle Loan - Used Motorcycle
-
10.25%
Up to 75 months
DetailsAs Low As; Model Year: 2025 & newer; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 10.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Fixed Motorcycle Loan - Used Motorcycle
-
10.50%
Up to 66 months
DetailsAs Low As; Model Year: 2020-2024; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 10.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Fixed Motorcycle Loan - Used Motorcycle
-
11.00%
Up to 48 months
DetailsAs Low As; Model Year: 2016-2019; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 11.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Fixed Motorcycle Loan - Used Motorcycle
-
11.25%
Up to 66 months
DetailsAs Low As; Model Year: 2016-2019; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 11.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Boats & Recreational Vehicle Loans - New Boat or RV
-
11.50%
Up to 48 months
DetailsAs Low As; Model Year: 2025 & newer; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 11.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Boats & Recreational Vehicle Loans - New Boat or RV
-
11.75%
Up to 60 months
DetailsAs Low As; Model Year: 2025 & newer; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 11.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Boats & Recreational Vehicle Loans - Used Boat or RV
-
13.00%
Up to 48 months
DetailsAs Low As; Model Year: 2020-2026; Lowest rate includes 1/4% discount for online application and 1/2% discount for automatic payment
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 13.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Central Virginia Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa
-
5.99%
DetailsAs Low As; Up to 5.99% Annual Percentage Rate; Variable rates based on prime plus index; APRs will never be higher than 18%
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Visa Secured
-
5.99%
DetailsVisa Credit Card; Standard APR
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Visa Platinum
-
8.99%
DetailsVisa Credit Card; Standard APR
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Visa Gold
-
13.25%
DetailsVisa Credit Card; Variable APR
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 13.25% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Visa Classic
-
15.25%
DetailsVisa Credit Card; Variable APR
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 15.25% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Business Visa
-
15.50%
DetailsStandard or Variable: Variable; APR (Annual Percentage Rate)
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 15.50% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Central Virginia Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan Promotion - no
10.49%
12 months
DetailsAs Low As; Fixed APR
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 10.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Personal Loan Promotion - no
10.99%
24 months
DetailsAs Low As; Fixed APR
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 10.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Personal Loan Promotion - no
11.99%
36-60 months
DetailsAs Low As; Fixed APR
Last Updated10/23/2026
Rate History
No change since Oct 13, 2026 · 11.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Personal Line of Credit
13.50%
DetailsVariable rate
Last Updated10/23/2026
Rate History
1 change since Sep 14, 2026 · 13.25% → 13.50% ▲ 0.25 pts · high 13.50% / low 13.25%
Sep 17, 202613.50%▲ from 13.25%
Sep 14, 202613.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Consolidation Loan
18.00%
DetailsVariable rate
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Central Virginia Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
10 Year Equity Loan Promotion
-
-
6.49%
120 month
DetailsAs Low As; 120 month fixed rate. Offer available for a limited time. Up to 90% Loan to Value.
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
15 Year Equity Loan Promotion
-
-
6.99%
180 month
DetailsAs Low As; 180 month fixed rate. Offer available for a limited time. Up to 100% Loan to Value.
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
30-60-90 Day Loan
-
-
18.00%
DetailsFixed rate
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
5 Year Equity Loan Promotion
-
-
5.99%
60 month
DetailsAs Low As; 60 month fixed rate. Offer available for a limited time. Up to 80% Loan to Value.
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 5.99% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Equity Loan
-
-
5.99%
DetailsAs Low As; Up to 5.99% Annual Percentage Rate; Annual Percentage Rate (APR) is a fixed rate. Lowest rates include all applicable discounts.
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Preferred Prime Rate Equity Line of Credit
-
-
7.00%
DetailsAs Low As; Requires automatic payment from CVFCU checking account
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 7.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Prime Rate Equity Line of Credit
-
-
7.50%
DetailsAs Low As
Last Updated10/23/2026
Rate History
No change since Oct 23, 2026 · 7.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Coverdell Savings Account
-
-
0.50%
Last Updated10/23/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
MM Gold
-
-
0.40%
Min Balance$2,500
DetailsBalance: $2,500.00
Last Updated10/23/2026
Rate History
1 change since Sep 14, 2026 · 0.75% → 0.40% ▼ 0.35 pts · high 0.75% / low 0.40%
Oct 23, 20260.40%▼ from 0.75%
Sep 14, 20260.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
MM Platinum
-
-
0.70%
Min Balance$25,000
DetailsBalance: $25,000.00
Last Updated10/23/2026
Rate History
1 change since Sep 14, 2026 · 1.00% → 0.70% ▼ 0.30 pts · high 1.00% / low 0.70%
Oct 23, 20260.70%▼ from 1.00%
Sep 14, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
MM Preferred
-
-
0.50%
Min Balance$10,000
DetailsBalance: $10,000.00
Last Updated10/23/2026
Rate History
1 change since Sep 14, 2026 · 0.80% → 0.50% ▼ 0.30 pts · high 0.80% / low 0.50%
Oct 23, 20260.50%▼ from 0.80%
Sep 14, 20260.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.15%
Financial Health History
Central Virginia Federal Credit Union’s Texas Ratio stayed near 7.23% in Q3 2023 to 7.15% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$198M
7.15%
5.0
A
March 31, 2026
$201M
5.66%
5.0
A+
December 31, 2025
$193M
6.52%
5.0
A
September 30, 2025
$193M
7.87%
5.0
A
June 30, 2025
$194M
8.92%
5.0
A
March 31, 2025
$197M
5.57%
5.0
A+
December 31, 2024
$190M
7.58%
5.0
A
September 30, 2024
$189M
10.20%
5.0
A
June 30, 2024
$189M
10.59%
5.0
A
March 31, 2024
$193M
6.16%
5.0
A
December 31, 2023
$197M
8.54%
5.0
A
September 30, 2023
$201M
7.23%
5.0
A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Central Virginia Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Central Virginia Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Central Virginia Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameCentral Virginia Federal Credit Union
Address
1638 Mount Athos Rd,
Lynchburg, VA 24504-5429
Phone434-528-9016
Fax434-528-2647
PresidentWilliam Perrow
CEORoger Carson
Full-Time Employees46
Part-Time Employees9
Branch Locations5
ATM Locations5
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.15%
Return on Assets (ROA)
0.6882%
Return on Equity (ROE)
5.4631%
Non-Performing Loans Ratio (NPL)
1.59%
Total Assets
197,763,455
Total Amount of Shares and Deposits
171,208,237
Total Shares and Deposits < 1 Year
170,370,971
Total Shares and Deposits 1 3 Years
837,266
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,938,853
Total Uninsured Shares and Deposits > $250K (F+J)
3,938,853
Total Insured Shares and Deposits > $250K (item 17 less item K)
167,269,384
Total Interest Expense (Sum of items 6 8)
321,785
Share Certificates
167
Number of Accounts for Share Drafts
8,494
IRA KEOGH Accounts
298
Number of Accounts for Regular Shares
15,648
Money Market Shares
930
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,243,698
Total Liabilities
172,851,341
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Central Virginia Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Central Virginia Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Central Virginia Federal Credit Union
Frequently Asked Questions About Central Virginia Federal Credit Union
Does Central Virginia Federal Credit Union offer CDs?
Yes. Central Virginia Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.
Are CDs from Central Virginia Federal Credit Union NCUA insured?
Yes. Central Virginia Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Central Virginia Federal Credit Union?
The highest CD rate MonitorBankRates has verified for Central Virginia Federal Credit Union is 2.00% APY on its 36 Month Preferred CD, as of October 23, 2026.
What CD terms does Central Virginia Federal Credit Union offer?
The Central Virginia Federal Credit Union CD terms we track include 12 month, 2 year and 3 year terms, with rates from 1.80% to 2.00% APY. The institution may offer other terms or specials that are not listed here, so check with Central Virginia Federal Credit Union for its full lineup.
What is the highest savings rate at Central Virginia Federal Credit Union?
The highest savings rate MonitorBankRates has verified for Central Virginia Federal Credit Union is 0.10% APY on its MM Savings, as of October 23, 2026.
What is the highest money market rate at Central Virginia Federal Credit Union?
The highest money market rate MonitorBankRates has verified for Central Virginia Federal Credit Union is 1.00% APY on its Money Market - MM Platinum, as of October 23, 2026.
What is the highest checking rate at Central Virginia Federal Credit Union?
The highest checking rate MonitorBankRates has verified for Central Virginia Federal Credit Union is 5.00% APY on its Free Kasasa Cash Checking, as of October 23, 2026.
What is the lowest auto loan rate at Central Virginia Federal Credit Union?
The lowest auto loan rate MonitorBankRates has verified for Central Virginia Federal Credit Union is 2.99% APR on its Auto Loan, as of October 23, 2026.
What is the lowest personal loan rate at Central Virginia Federal Credit Union?
The lowest personal loan rate MonitorBankRates has verified for Central Virginia Federal Credit Union is 10.49% APR on its Personal Loan Promotion - no, as of October 23, 2026.
What is the lowest credit card APR at Central Virginia Federal Credit Union?
The lowest credit card rate MonitorBankRates has verified for Central Virginia Federal Credit Union is 5.99% APR on its Visa Credit Card, as of October 23, 2026.
How many branches does Central Virginia Federal Credit Union operate?
Central Virginia Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Central Virginia Federal Credit Union?
Yes, to access services at Central Virginia Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Central Virginia Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Central Virginia Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Central Virginia Federal Credit Union offer online and mobile banking?
Most modern institutions like Central Virginia Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cvfcu.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Central Virginia Federal Credit Union rates compare?
Central Virginia Federal Credit Union's top rates are 2.00% APY on its 36 Month Preferred CD, 0.10% APY on savings, 1.00% APY on money market, 5.00% APY on checking, personal loans from 10.49% APR and credit cards from 5.99% APR, verified by MonitorBankRates on October 23, 2026. To compare Central Virginia Federal Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.
Current Central Virginia Federal Credit Union Rates
12-Month CD0.45%
24-Month CD0.55%
Savings0.10%
MMA1.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
