Central Virginia Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.cvfcu.com

434-528-9016

1638 Mount Athos Rd
Lynchburg, VA 24504

Central Virginia Federal Credit Union is headquartered in Lynchburg and is the 38^th largest credit union in the state of Virginia. It is also the 1,304^th largest credit union in the nation. It was established in 1976 and as of December of 2024, it had grown to 44 employees and 13,178 members at 5 locations. Central Virginia Federal Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Central Virginia Federal Credit Union is open to those who live, work, worship or attend school in the Virginia counties of Amherst, Appomattox, Bedford, or Campbell; the Virginia city of Lynchburg; or the Virginia towns of Altavista or Bedford.
See current membership details

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Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	22307
Year Chartered	1976
Employees	44
Primary Regulator

Profit Margin
Return on Assets - YTD	1.44%
Return on Equity - YTD	13.32%
Annual Interest Income	$8.7MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$190.2MM$197.1MM
Loans	Q4 2024vs Q4 2023	$115.1MM$109.3MM
Deposits	Q4 2024vs Q4 2023	$167.8MM$177.6MM
Equity Capital	Q4 2024vs Q4 2023	$20.5MM$17.7MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$982K$931K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.6MM$1.6MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD
IRA

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Central Virginia Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$5	-	Christmas Club
0.50%	$0	-	Coverdell Savings Account
0.10%	$250	-	Share Savings
0.10%	$250	-	Business Share Savings

Central Virginia Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$25k	-	Money Market Platinum
0.80%	$10k	-	Money Market Preferred
0.75%	$2.5k	-	Money Market Gold
0.70%	$25k	-	Business Money Market Platinum
0.50%	$10k	-	Business Money Market Preferred
0.40%	$2.5k	-	Business Money Market Gold
0.10%	$500	-	Money Market Savings
0.10%	$500	-	Business Money Market Savings

Central Virginia Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$1k	-	Dominion Club Checking
0.05%	$500	-	Branchless Checking
0.05%	$750	-	Interest Checking
0.05%	$1.2k	-	Preferred Checking
0.05%	$1k	-	Business Checking

Central Virginia Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$500	-	36 Month Preferred Certificate
1.95%	$500	-	36 Month Certificate
1.90%	$500	-	24 Month Preferred Certificate
1.85%	$500	-	24 Month Certificate
1.80%	$500	-	12 Month Preferred Certificate
1.75%	$500	-	12 Month Certificate
1.50%	$500	-	6 Month Preferred Certificate
1.45%	$500	-	6 Month Certificate
0.70%	$500	-	Business 36 Month Preferred Certificate
0.65%	$500	-	Business 36 Month Certificate
0.60%	$500	-	Business 24 Month Preferred Certificate
0.55%	$500	-	Business 24 Month Certificate
0.50%	$500	-	Business 12 Month Preferred Certificate
0.45%	$500	-	Business 12 Month Certificate
0.25%	$500	-	Business 6 Month Preferred Certificate
0.20%	$500	-	Business 6 Month Certificate

Central Virginia Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$0	-	Traditional IRA Savings
0.50%	$0	-	Roth IRA Savings

Locations

Central Virginia Federal Credit Union Locations
Branch Office	109 Seminole Dr	Madison Heights, VA 24572-2447
Branch Office	14416 Forest Rd	Forest, VA 24551
Branch Office	1638 Mount Athos Rd	Lynchburg, VA 24504-5429
Branch Office	20255 Timberlake Rd	Lynchburg, VA 24502-7202
Branch Office	3404 Old Forest Rd	Lynchburg, VA 24501-2915

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