Credit union · NCUA insured
Central Virginia Federal Credit Union Credit Card Rates
Central Virginia Federal Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Central Virginia Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Lynchburg, VA, where Central Virginia Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Central Virginia Federal Credit Union
8.99%APR
Visa Platinum
Lowest rate
Beacon Credit Union
8.00%APR
3rd-lowest rate
National Bank of Blacksburg
9.00%APR
Central Virginia Federal Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central Virginia Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
Credit limits up to $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.25% | None | Variable rate based on the prime plus index; APRs will never be higher than 18%. |
Sources (3)
- cvfcu.com/borrow/visa-credit-cards
- cvfcu.com/personal/personal-services/personal-rates
- cvfcu.com/visa-classic-and-visa-gold
All captured Oct 7, 2026
Visa Gold
Credit limits up to $30,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.25% | None | Variable rate based on the prime plus index; APRs will never be higher than 18%. |
Sources (3)
- cvfcu.com/borrow/visa-credit-cards
- cvfcu.com/personal/personal-services/personal-rates
- cvfcu.com/visa-classic-and-visa-gold
All captured Oct 7, 2026
Visa Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99% | None | Standard fixed rate. |
Sources (3)
- cvfcu.com/borrow/visa-credit-cards
- cvfcu.com/personal/personal-services/personal-rates
- cvfcu.com/platinum-visa
All captured Oct 7, 2026
Visa Secured
Secured by a deposit of $250 to $5,000 into a special savings account; credit card limit equals the amount deposited.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 5.99% | None | Standard fixed rate. Secured by savings deposit between $250 and $5,000. |
Sources (3)
- cvfcu.com/borrow/visa-credit-cards
- cvfcu.com/personal/personal-services/personal-rates
- cvfcu.com/secured-visa
All captured Oct 7, 2026
Who can join Central Virginia Federal Credit Union
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.
Membership information collected October 4, 2026.