Personal Loans · Richmond, Virginia
7 credit unions in Richmond report personal loan rates to the NCUA. Rates range from 8.00% to 12.61%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
8.00%
Lowest Rate
11.01%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | VIRGINIA ★ 3.5 · 72 reviews | 8.00% | 16.00% |
| 2 | CALL ★ 4.3 · 167 reviews | 10.37% | 11.30% |
| 3 | CREDIT UNION OF RICHMOND INCORPORAT ★ 3.5 · 85 reviews | 10.74% | 10.99% |
| 4 | RICHMOND HERITAGE ★ 3.5 · 85 reviews | 10.99% | — |
| 5 | RICHMOND VIRGINIA FIRE POLICE CREDI ★ 5.0 · 2 reviews | 11.83% | 10.85% |
| 6 | CONNECTS ★ 3.3 · 40 reviews | 12.55% | 8.49% |
| 7 | RVA FINANCIAL ★ 3.9 · 190 reviews | 12.61% | 13.58% |
If you have high-rate credit card balances, a personal loan from a Richmond credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.