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Central Virginia

PO BOX 1660, Lynchburg, VA 24505
NCUA Insured3.2 (34 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1976

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 1660

Lynchburg, VA 24505

Service Area

This credit union is located in Lynchburg and serves members in the VA area. Currently serving 13,053 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

1.99%

Used Auto Loan

5.85%

Personal Loan

9.37%

Credit Card APR

15.25%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in VA

Lowest rates currently reported by credit unions in VA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

3.2

34 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Jordan Jrip (JJ Jr)

Jordan Jrip (JJ Jr)

7 months ago

Terrible bank. ATM’s are down 80% of the time with zero notice. Poor customer service as well. BB&T was way better. Do not bank with Truist.

Casey Eagle

Casey Eagle

4 months ago

Awful customer service, the banking app does not work half of the time and bank was closed during operating hours on a Saturday at Timberlake location.

Tammy Moore

Tammy Moore

a year ago

went to timberlake branch to deposit a check from another bank and was told they had to put a hold on it for 3 days just because of the amount that it was...so the boy that was helping me said i will be right back so he went to talk to the manager on call because i told him i needed it for a purchase today and he said oh okay but still had to ask her,,,, so i know she verified the funds as they always do turned and looked at us as tho we were criminals and had the authority to override the hold and would not and said we have to make sure the funds are good and blah blah blah,,,, all i wanted was to deposit it and not get cash but i guess people still judge the outside appearance, different rules for different people that apply, i bet if it was her mother that needed money it would had been deposited just saying!!!!! thinking of changing banks i have been a customer for over 20 years never had been treated in such a way as this,

John Oneil

John Oneil

a year ago

I was in the market for a car in June and a good friend recommended I try the bank he has been using for several years. Told me that they have always treated him like family. I reached out to the ladies in the loan department and asked some questions. They were very informative and professional and told me to contact them when I found the right car to purchase. Once I found it I called them at 8 In the morning and left a message knowing they wouldn't be open until 9. Gabrielle called me back before 9. Keep in mind I had never banked with them ever. Gabrielle took my information over the phone and within a few hours had a check ready for me to purchase the car I wanted and didn't have to deal with finance department at the dealership. She has been so pleasant to deal with through out the whole process. I can't say enough good things about her and the whole experience with CVFCU. I highly recommended banking with them.

Chris Mason

Chris Mason

a year ago

Do NOT give them your money. I unfortunately have banked here all my life since I was little and the last year during thier "upgrades" they have gotten unbearable. Thier tellers are incompetent and don't know what they are doing. Some rules are federal and I understand that but they do everything they can to make it as difficult as it can be to get YOUR money. Money that have in their bank. It's not your money until the let you have it. From broken websites to apps that don't work take your money elsewhere. And when you try to solve a problem of getting your money they simply smile and laugh at you with "there's nothing we can do even though it's your money they hold it hostage. Do your research and go elsewhere.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).