Credit union · NCUA insured
Central Virginia Federal Credit Union
A $201.1M credit union headquartered in Lynchburg, VA, with 12,991 members and 5 branches in Virginia. Best rates: CDs 1.95% and savings 0.80% APY.
Central Virginia Federal Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#4 of 17 in Lynchburg, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Central Virginia Federal Credit Union
Central Virginia Federal Credit Union is a member-owned credit union with locations around Lynchburg, Virginia.
- Headquarters
- 1638 Mount Athos Rd, Lynchburg, VA 24504-5429
- NCUA charter
- 22307
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Students, staff, and faculty of the University of Lynchburg are eligible for membership.
Cost to join
- There is a one-time $5 membership fee.
- A minimum balance of $5 in a savings account per person is required.
Branches
5 branches in Virginia
Loading map…
Virginia
5 branches
- Mt. Athos BranchMain office1638 Mount Athos Rd, Lynchburg, VA 24504Directions
- Forest Branch14416 Forest Rd, Forest, VA 24551Directions
- Old Forest Road3404 Old Forest Rd, Lynchburg, VA 24501Directions
- Timberlake Branch20255 Timberlake Rd, Lynchburg, VA 24502Directions
- Madison Heights Branch4482 S Amherst Hwy, Madison Heights, VA 24572Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.70% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.59% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio12.70%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.59%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Central Virginia Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.