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Celco Community

3381 VIRGINIA AVE, PO BOX 361, Narrows, VA 24124
NCUA Insured4.2 (17 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1956

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

Location & Directions

Address

3381 VIRGINIA AVE, PO BOX 361

Narrows, VA 24124

Service Area

This credit union is located in Narrows and serves members in the VA area. Currently serving 7,330 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

4.48%

Used Auto Loan

6.06%

Personal Loan

10.75%

Credit Card APR

9.90%

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(4 total)

Member Reviews

4.2

17 Google reviews

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

View on Google Maps
A A

A A

8 months ago

They can't even answer my question online about their atm not dispensing cash. By the reviews customers hate this bank.

Roger Huffman Jr.

Roger Huffman Jr.

2 years ago

I should have learned my lesson years ago when I took out an Autoloan, paid it off on time, and received no credit because the incompetency at this bank screwed up my financial information and did nothing to resolve the issue. I will close my the account tomorrow because of a ridiculously long hold on an insurance check which has already exceeded the required business days that they told me, including taking federal holidays into account. I was also lied to when I was told that it was due to a federal regulation to hold a check that long. When I contacted another bank to enquire about it, they assured me that it was just a bank's policy, not a regulation, and that they would NOT require a hold on any check that long. Many people have told me that Celco has done their customers dirty. Now I believe them. GOOD RIDDANCE!

Zach Elmore

Zach Elmore

4 years ago

Wow, when I walked into this establishment I thought, “I guess this is just another ordinary bank” but BOY WAS I WRONG. I am impressed with their phenomenal service. I would give 10 stars, but they only gave me 5. I highly recommend!

Chris Mullins

Chris Mullins

a year ago

I've always have had a good experience there. The staff has always been very helpful . We have banked there for years n appreciate the help from them .

Sonia Watkins

Sonia Watkins

2 years ago

I love working with celco credit union they're so very responsive respectful and friendly it give you an at home feel and when you are dealing with money theirs no room for stressful situations or even the idea of that would be too much

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).