At a glance
From its website, read 2 Nov 2026Revity Federal Credit Union is a credit union based in Greensboro, North Carolina. Its website describes auto loans, credit-builder loans, small-dollar emergency loans and 3 other loan types. Stated loan amounts run from $500 to $25,000. Consumer loan APRs stated on its site range from 8.9% to 9.9%. It says it considers borrowers with low or no credit history. It accepts an ITIN. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (618) 797-7993 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.revitycu.com |
| Office (official list) | 217 N Greene St, Greensboro, NC 27401 |
What their website says about applying
Current check stubs with year to date income or IRS Tax documents are required.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | As low as 6.625% | source |
| Loans (general) | Rate: from 9.9% APR | As low as 9.9% APR* | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | As low as 4.74% | source |
| Credit-builder loans | Rate: 8.9% APR | Borrow $1,000 for a term of 12 months at a fixed rate of 8.9%APR* | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Share secured loans have a minimum rate of 3.0%. | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | As low as 8.9% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | As low as 24.99% | source |
| Auto / vehicle loans | Term: see their wording | 80-84 months available only with approval on loans $25,000+ | source |
| Credit-builder loans | Term: up to 12 mo | Borrow $1,000 for a term of 12 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- No or thin credit history considered
Perfect for those new to credit or looking to repair.
source - ITIN accepted
Welcome ITIN holders!
source - Collateral required
The equity in your home is used as collateral to secure the loan
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Jun 2026 |
| RSSD ID | — (none listed) |
| Address | 217 N Greene St, Greensboro, NC 27401 Directions (Google Maps) |
| Website | www.revitycu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan product pages were fetched, but the pages state no membership or lending geography and no borrower eligibility groups. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Competitively low rates on new or used vehicles, RVs, Motorsports, and Boats. | source |
| Credit-builder loans | — | Looking to build or improve your credit? Our Credit Builder Loan is designed to help you establish a strong payment history. | source |
| Small-dollar / emergency loans | up to $500 | Short-term loans available up to $500 | source |
| Home mortgages | — | Get competitive rates for your first home or home refinancing | source |
| Personal / consumer loans | $500 – $25,000 | Limits range from $500 to $25,000 | source |
| Small-business loans | — | Competitive rates for a wide range of business expenses: | source |
Loan sizes
Limits range from $500 to $25,000
sourceLimits range from $500 to $15,000
sourceShort-term loans available up to $500
sourceBorrow $1,000 for a term of 12 months at a fixed rate of 8.9%APR*
source
Range used for the size filter: $500 to $25,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Pages read (7)
- https://www.revitycu.com/
- https://www.revitycu.com/loans/personal-loans/itin-Lending.html
- https://www.revitycu.com/loans/personal-loans
- https://www.revitycu.com/loans/business-loans.html
- https://www.revitycu.com/loans/personal-loans/auto-loans.html
- https://www.revitycu.com/loans/personal-loans/personal-loans.html
- https://www.revitycu.com/loans/personal-loans/home-equity-loans.html
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as REVITY (charter 24840). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $83 million (as of 30 Jun 2026) |
|---|---|
| Members | 5,881 (as of 30 Jun 2026) |
| Offices | 4 (as of 30 Jun 2026) |
Offices by state and county (4)
North Carolina (4 offices)
- Guilford County (4): 222 Commerce Pl, Greensboro 27401 (main office); 217 N Greene St, Greensboro 27401; 2200 Soabar St, Greensboro 27406; 2511 Phillips Ave, Greensboro 27405
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Revity Federal Credit Union (NCUA charter 24840, filed as “REVITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $51.2 million, 5,399 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 4.5% from $53.7 million on 30 Jun 2025 |
| Members | 5,881 (as of 30 Jun 2026); 5,965 (as of 30 Jun 2025) |
| Loans per member | $8,714 (total loans divided by members, 30 Jun 2026) |
| Total assets | $83 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $1.9 million | 3.7% |
| Used vehicle loans | $11.2 million | 21.9% |
| First-lien home mortgages (1-4 family) | $11.1 million | 21.7% |
| Other real estate loans (junior liens, other) | $14.9 million | 29.0% |
| Commercial (business) loans | $3.8 million | 7.3% |
| Credit cards | $3.2 million | 6.2% |
| Other unsecured loans | $4.1 million | 8.0% |
| Leases and other secured loans | $1.1 million | 2.2% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $25,000 | Other credit unions whose website states a maximum: median $62,500. Higher than the stated maximum of 6% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $83 million | Larger than 11% of the 9 other certified credit unions in North Carolina (median $1.04 billion). |
| Loans as a share of assets | 62% | Median of the same 9 credit unions: 77%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $53.7 million → $51.2 million (-5%) | Median change of 9 other certified credit unions in North Carolina: +2%. Rank by loans held among these 10: 9 → 9. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 6% |
| Call Report total assets | other certified credit unions in North Carolina | 9 | larger than 11% |
| Loans held then vs now | certified credit unions in North Carolina reporting both dates | 9 | rank 9 → 9 of 10 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Greensboro and North Carolina
- Piedmont Business CapitalLoan fund · Greensboro, NCCommercial real estate loansVerified
- Bragg Mutual FCUCredit union · Fayetteville, NCAuto / vehicle loansVerified
- Business Expansion Funding CorporationLoan fund · Charlotte, NCSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- CAHEC Capital, Inc.Loan fund · Raleigh, NCAffordable housing development loansVerified
- Cares Project, Inc., TheLoan fund · Winston Salem, NCAuto / vehicle loansVerified
- Carolina Small Business Development Fund (The Support Center)Loan fund · Raleigh, NCMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
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