--- title: "Central Virginia Credit Union Rates (Nov 2026): Personal 18.00%" description: "Central Virginia Credit Union rates today: personal loans from 18.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Central Virginia Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/central-virginia" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Central Virginia Credit Union Rates (Nov 2026): Personal 18.00% ### Auto & vehicle rates 13 offers | Product | Published | Rate | Term / condition | Status | | **36-Month New Auto Loan** auto_new_36mo | — APR | 2.990% | 36 mo · new | Standard | | **36-Month Used Auto Loan** auto_used_36mo | — APR | 2.990% | 36 mo · used | Standard | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 3.990% | 48 mo · used | Standard | | **Used Motorcycle Loan** motorcycle_used | — APR | 4.000% | used | Standard | | **66-Month New Auto Loan** auto_new_66mo | — APR | 4.990% | 66 mo · new | Standard | | **75-Month Used Auto Loan** auto_used_75mo | — APR | 5.490% | 75 mo · used | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 5.990% | 84 mo · new | Standard | | **66-Month New Motorcycle Loan** motorcycle_new_66mo | — APR | 8.750% | 66 mo · new | Standard | | **66-Month Used Motorcycle Loan** motorcycle_used_66mo | — APR | 9.250% | 66 mo · used | Standard | | **48-Month Used Motorcycle Loan** motorcycle_used_48mo | — APR | 9.500% | 48 mo · used | Standard | | **New Boat or RV** boat_new_48mo | — APR | 11.500% | 48 mo · new | Standard | | **Used Boat or RV** boat_used_48mo | — APR | 13.000% | 48 mo · used | Standard | | **Used Auto & Motorcycle** motorcycle_used_60mo | — APR | 13.350% | 60 mo · used | Standard | Central Virginia Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Prime Rate Equity Line of Credit** heloc_variable | — APR | 5.990% | — | Standard | | **5 Year Equity Loan Promotion** heloc | — APR | 5.990% | — | Standard | | **10 Year Equity Loan Promotion** heloc | — APR | 6.490% | — | Standard | | **15 Year Equity Loan Promotion** heloc | — APR | 6.990% | — | Standard | | **Preferred Prime Rate Equity Line of Credit** heloc_variable | — APR | 7.000% | — | Standard | Central Virginia Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loan Promotion** personal_unsecured | — APR | 5.490% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 13.500% | — | Standard | | **Debt Consolidation Loan** personal | 18.000% APR | 18.000% | — | Standard | Central Virginia Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Secured Credit Card** credit_card_secured | — APR | 5.990% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 8.990% | — | Standard | | **Visa Gold** credit_card | — APR | 13.250% | — | Standard | | **Visa Classic** credit_card | — APR | 15.250% | — | Standard | Central Virginia Credit Union credit card rates as of November 13, 2026 Personal loan rates from 18% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/central-virginia) , verified from [Central Virginia Credit Union's official website](https://www.cvfcu.com/) Best product position **Room to improve vs. the Virginia median** personal loan Gap to state best **951 bp** 951 bp from state best Vs. state median **826 bp behind median** personal loan Products ranked **1** across tracked Virginia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 18.00% | Room to improve vs. the Virginia median | 951 bp from state best | 826 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Central Virginia Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=central-virginia&state=virginia&code=VA&name=Central%20Virginia%20Credit%20Union) Loading branch locator… ## About Central Virginia Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 13K Assets $201.1M Founded 1976 Locations reported 5 NCUA charter 22307 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Lynchburg Municipal Employees** 3176 Fort Ave · Lynchburg · VA · 24501 About 6.9 miles away](https://rateapi.dev/credit-unions/virginia/lynchburg-municipal-employees) [**Beacon Credit Union, Incorporated** Madison Heights · Madison Heights · VA · 24572-6259 About 7.4 miles away](https://rateapi.dev/credit-unions/virginia/beacon-credit-union-incorporated) [**General Electric Employees** Virginia · Lynchburg · VA · 24502 About 7.4 miles away](https://rateapi.dev/credit-unions/connecticut/general-electric-employees) [**Freedom First** Langhorne · Lynchburg · VA · 24501 About 8.0 miles away](https://rateapi.dev/credit-unions/virginia/freedom-first) [**Virginia** LYNCHBURG BRANCH · Lynchburg · VA · 24502-2335 About 8.9 miles away](https://rateapi.dev/credit-unions/virginia/virginia) [**Blue Eagle** Cornerstone · Lynchburg · VA · 24502 About 10.0 miles away](https://rateapi.dev/credit-unions/virginia/blue-eagle) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Central Virginia Credit Union Membership eligibility from Central Virginia Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Central Virginia Credit Union's website. Check the membership page below to confirm whether you qualify. - School University of Lynchburg Verified from [Central Virginia Credit Union's membership page](https://www.cvfcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Central Virginia Credit Union Geography 4 counties · Schools 2 6 published paths to membership, last verified August 21, 2026, quoted from Central Virginia Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Amherst County, VA - Bedford County, VA - Campbell County, VA - Lynchburg City County, VA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Amherst County, VA; Bedford County, VA; Campbell County, VA; Lynchburg City County, VA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Schools 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of University of Lynchburg “Our OnCampus branch will reopen to serve students, faculty and staff of the University of Lynchburg” > [source ↗](https://www.cvfcu.com/) - Student at University of Lynchburg - School employee of University of Lynchburg “Our OnCampus branch will reopen to serve students, faculty and staff of the University of Lynchburg” > [source ↗](https://www.cvfcu.com/) - Employee of University of Lynchburg Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Central Virginia Credit Union? Yes No ## Work at Central Virginia Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Central Virginia Credit Union ranks against Virginia peers. - See which AI assistants fetched Central Virginia Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=central-virginia&state=virginia&code=VA&name=Central%20Virginia%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Central Virginia Credit Union offer? Central Virginia Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Central Virginia Credit Union rates updated? RateAPI verifies Central Virginia Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Central Virginia Credit Union's rate data? Rate data is collected directly from Central Virginia Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Central Virginia Credit Union's personal loan rate? As of November 13, 2026, Central Virginia Credit Union offers personal loans from 18% APR. ### Who can join Central Virginia Credit Union? Central Virginia Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 4 counties and 2 schools for Central Virginia Credit Union, each quoted from Central Virginia Credit Union's own published membership criteria. ## Related Rate Data Compare Central Virginia Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/virginia) [Virginia HELOC rate leaders](https://rateapi.dev/heloc-rates/virginia) [Virginia personal loan leaders](https://rateapi.dev/personal-loan-rates/virginia) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.cvfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Central Virginia Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Central Virginia Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /central-virginia " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Central Virginia Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/virginia/central-virginia Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp