At a glance
From its website, read 2 Nov 2026RVA Financial Federal Credit Union is a credit union based in Richmond, Virginia. Its website describes auto loans, home mortgages and personal loans. Where it lends: Greater Richmond (RVA), Virginia community. Consumer loan APRs stated on its site range from 3.99% to 11.9%. It says it considers borrowers with low or no credit history. 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 | (804) 359-8754 source |
|---|---|
| processing@rvafinancial.com source | |
| Apply online | Page with the application link |
| Website | www.rvafinancial.com |
| Office (official list) | 1700 Robin Hood Road, Richmond, VA 23220 |
What their website says about applying
Once completed, email your application to processing@rvafinancial.com
sourceApply Online or at our local branch!
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: from 5.99% APR | 5.99% APR* | source |
| Loans (general) | Rate: from 11.9% APR | 11.90% APR* | source |
| Auto / vehicle loans | Rate: from 3.99% APR | 3.99% APR* | source |
| Personal / consumer loans | Rate: from 8.49% APR | 8.49% APR* | source |
| Loans (general) | Term: up to 20 yr | up to a total loan term of 240 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
- Low or damaged credit considered
And if you have colorful credit, that’s ok, too.
source - Membership required
Subject to membership in the credit union, credit approval, and closing.
source - Collateral required
Because your home secures the line
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) | 4 Aug 2026 |
| RSSD ID | 334880 |
| Address | 1700 Robin Hood Road, Richmond, VA 23220 Directions (Google Maps) |
| Website | www.rvafinancial.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: high. Membership is limited to specified City of Richmond-area employers and their families; title loans appear on the home page without a product description. 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 | — | Whether you’re buying your very first car, upgrading to something new, or refinancing to lower your payment, an RVA Financial auto loan puts you in the driver’s seat. | source |
| Home mortgages | — | lets you borrow against the equity you’ve built in your home and access funds when you need them, up to an approved credit limit. | source |
| Personal / consumer loans | — | From consolidating debt to managing unexpected costs, our personal loans offer straightforward terms and responsible lending you can feel good about. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Greater Richmond (RVA), Virginia community
RVA Financial Federal Credit Union is a member-owned financial institution serving the Greater Richmond (RVA) community with affordable, people-first banking solutions.
source
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 Online or at our local branch!
source
Pages read (7)
- https://www.rvafinancial.com/
- https://www.rvafinancial.com/auto-loans/
- https://www.rvafinancial.com/personal-loans/
- https://www.rvafinancial.com/recreation-vehicle/
- https://www.rvafinancial.com/rate-sheet-deposit-loan/
- https://www.rvafinancial.com/home-equity-line-of-credit/
- https://www.rvafinancial.com/about-us/
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.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - 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. - 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.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.5 million in 5 awards from the U.S. Treasury's CDFI Fund, 2020–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | CDFI Program, Financial Assistance | $482,900 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as RVA FINANCIAL (charter 6878). 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 | $82.7 million (as of 30 Jun 2026) |
|---|---|
| Members | 10,517 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Virginia (2 offices)
- City of Richmond (2): 1700 Robin Hood Rd, Richmond 23220 (main office); City Hall, Richmond 23219
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 RVA Financial Federal Credit Union (NCUA charter 6878, filed as “RVA FINANCIAL”). 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 | $54 million, 3,807 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 4.0% from $51.9 million on 30 Jun 2025 |
| Members | 10,517 (as of 30 Jun 2026); 10,653 (as of 30 Jun 2025) |
| Loans per member | $5,134 (total loans divided by members, 30 Jun 2026) |
| Total assets | $82.7 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $2 million | 3.7% |
| Used vehicle loans | $14.5 million | 26.8% |
| First-lien home mortgages (1-4 family) | $30.6 million | 56.7% |
| Other real estate loans (junior liens, other) | $1.3 million | 2.4% |
| Credit cards | $2.7 million | 5.0% |
| Other unsecured loans | $2.3 million | 4.3% |
| Leases and other secured loans | $603,067 | 1.1% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
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 |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $82.7 million | Larger than 32% of the 284 other certified credit unions nationwide (median $182.7 million). |
| Loans as a share of assets | 65% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $51.9 million → $54 million (+4%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 190 → 189. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 32% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 190 → 189 of 283 |
“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 Richmond and Virginia
- Bridging Virginia IncLoan fund · Richmond, VASmall-business loansVerified
- Locus Bank, Inc.Bank or thrift · Richmond, VAEnergy / solar / efficiency loans, Affordable housing development loans, Small-business loansVerified
- Locus Impact FundLoan fund · Richmond, VAEnergy / solar / efficiency loans, Affordable housing development loans, Small-business loansVerified
- Mobility Credit Acceptance LLCLoan fund · Richmond, VAAuto / vehicle loans, Equipment loans, Home repair / improvement loansVerified
- Virginia Community Development Fund, Inc., TheLoan fund · Richmond, VACommercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loansVerified
Work at RVA Financial Federal Credit Union? Link to this page
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