Credit union · NCUA insured
Roanoke Valley Community CU
A $107.1M credit union headquartered in Roanoke, VA, with 9,109 members and 4 branches in Virginia. Best rates: CDs 2.53% and savings 0.70% APY.
Roanoke Valley Community CU Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#10 of 19 in Roanoke, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Roanoke Valley Community CU
Founded in 1947 when a group of teachers established Roanoke City Teachers Federal Credit Union, Roanoke Valley Community CU is a member-owned financial cooperative.
The credit union transitioned to a community-based membership in 2002 and later merged with Roanoke County School Employees FCU and Roanoke Virginia Fireman's FCU.
- Headquarters
- 723 5th St NE, Roanoke, VA 24016-2123
- NCUA charter
- 5604
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This may be incomplete or out of date, so check with the credit union before you apply.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 anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
- Individuals who work anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
Military, government and schools
- Individuals who go to school anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
Family and household
- Immediate relatives of an existing RVCCU member are eligible for membership.
- Household members of an existing RVCCU member are eligible for membership.
Other ways
- Individuals who worship anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
Branches
4 branches in Virginia
Loading map…
Virginia
4 branches
- Main OfficeMain office723 5th St NE, Roanoke, VA 24016Directions
- Cave Spring Branch4218 Brambleton Ave, Roanoke, VA 24018Directions
- North Roanoke branch605 Abney Rd, Roanoke, VA 24012Directions
- Salem Branch1340 Roanoke Blvd, Salem, VA 24153Directions
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 | 16.31% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.34% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.50% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio16.31%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.34%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.50%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ 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 Roanoke Valley Community CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.