Credit union · NCUA insured
RVA Financial
Top CarrotA $81.7M credit union headquartered in Richmond, VA, with 10,471 members and 2 branches in Virginia. Best rates: savings 3.50% APY.
RVA Financial Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#10 of 34 in Richmond, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About RVA Financial
RVA Financial was founded and chartered in 1950 as the Richmond, Virginia Municipal Federal Credit Union to provide financial services to City of Richmond employees.
Later known as VaCap and New Generations following mergers with Richmond Memorial Hospital and Kraft Foods credit unions, the institution adopted the RVA Financial name in 2017.
Headquartered in Richmond, Virginia, the member-owned financial institution serves the Greater Richmond community.
- Headquarters
- 1700 Robin Hood Rd, Richmond, VA 23220
- NCUA charter
- 6878
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of American Consumer Council are eligible for membership.
Military, government and schools
- Employees of the Capital Region Airport Commission are eligible for membership.
- Employees of the City of Richmond, VA are eligible for membership.
- Employees of the Richmond Redevelopment & Housing Authority who work in Richmond, VA are eligible for membership.
- Employees of the Richmond School Board in Richmond, VA are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Branches
2 branches in Virginia
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Virginia
2 branches
- Thomas J. Amiss Credit Union CenterMain office1700 Robin Hood Rd, Richmond, VA 23220Directions
- City HallCity Hall, 900 E Broad St, Richmond, VA 23219Directions
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 | 12.18% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.42% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.37% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $74 | $59 | — |
- CapitalNet worth ratio12.18%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.42%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.37%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$74Peers’ 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 RVA Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.