Credit union · NCUA insured
First NRV Federal Credit Union
A $39.3M credit union headquartered in Radford, VA, with 2,724 members and 2 branches in Virginia.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First NRV Federal Credit Union
First NRV Credit Union has served Carroll County, Floyd County, Galax City, Pulaski County, Radford City, and Wythe County for almost 90 years.
The credit union is headquartered in Radford, Virginia.
- Headquarters
- 900 W Main St, Radford, VA 24141-1597
- NCUA charter
- 2263
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Carroll County, Floyd County, Galax City, Pulaski County, Radford City, or Wythe County are eligible for membership.
Employers and groups
- Individuals who work for or own a business and/or other legal entities within one or more of the fields of membership are eligible to join.
Family and household
- Members of the immediate families or household of any eligible groups are eligible to join.
- Spouses of deceased individuals who were within the fields of membership of the credit union are eligible to join.
Other ways
- Organizations of persons who fall into the credit union's membership field through the qualifying requirements are eligible for membership.
Cost to join
- A $5.00 BluePay transaction fee applies when sending funds online.
- There is a $5.00 Membership Fee, which is waived for accounts opened online.
- Members must maintain a $5.00 minimum balance in their Membership Savings Account and keep the account active.
Branches
2 branches in Virginia
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Virginia
2 branches
Blacksburg area · 1
- First NRV Federal Credit UnionMain office900 W Main St, Radford, VA 24141Directions
Hillsville area · 1
- First NRV Federal Credit Union205 Oak St, Hillsville, VA 24343Directions
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 | 9.27% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.09% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.64% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $62 | $59 | — |
- CapitalNet worth ratio9.27%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.09%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.64%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$62Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 First NRV 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.