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Overview / Commentary
434-964-2001
3300 Berkmar Dr
Charlottesville, VA 22901-1491

UVA Community Credit Union is headquartered in Charlottesville and is the 13th largest credit union in the state of Virginia. It is also the 318th largest credit union in the nation. It was established in 1954 and as of March of 2018, it had grown to 218 employees and 71,702 members at 20 locations. UVA Community Credit Union has an A health rating.

Field of Membership Restrictions

Membership in University of Virginia Community Credit Union is open to those who live or work in Albemarle, Culpeper, Fauquier, Fluvanna, Greene, Louisa, Madison, Nelson, Orange or Rappahannock Counties in Virginia or in the City of Charlottesville, Virginia.
See current membership details

Reviews (2)

Banking with UVa Credit Union

UVa Credit Union was a good bank overall. I used a debit card with them and had a savings and checking account. When I traveled to Italy they made it very easy for me to access my money without any problems. They had good online banking, however I think they were late in the game for getting the online check deposit and whenever I went to the ATM window at the bank to deposit checks that way it was always broken which was frustrating so I would have to go in with my checks until they eventually got the app and could deposit checks with your phone. I also did not like how it was difficult to transfer money to people with different banks. I have Wells Fargo now and it is a lot easier to transfer people money that do not have the same bank as me. I really enjoyed having a checking and savings account with them. There were never hidden fees, they had a small minimum amount for each account and I could transfer money between the two accounts very easily and at any time. This made balancing my money a lot easier. I would have kept an account with them if I had stayed in that area but when I moved there were no Credit Unions so I got a Wells Fargo account. They workers at UVa Credit Union were also always polite and ready to help me with any problems.

UVA Community Credit Union is great

I've been a customer of the UVA community credit union for over 10 years. I think it's a great local bank and I love the ease of doing business with them. I have a savings and checking account through the UVA credit union. My paycheck is directly deposited into my account. I have never encountered any errors with my money. The website is easy to navigate and I use the bill pay option, which is easy and convenient. Their mobile app makes it easy for me to deposit checks, so I rarely have to visit a branch. Speaking of branches, there are plenty in my area. There is one within a 5 minute drive of my work, as well as one of their atm's inside my work building. There is also one within a 10 minute drive of my home, as well as several other branches scattered throughout my home town. So finding a local atm is easy and helps prevent having to pay atm fees.

I've only had one incident with them, which was my fault and demonstrates how strong their security is. I traveled out of the country and forget to alert them to my travels. So when I tried to pull cash out of an atm, the transaction was denied. I was able to email them and explain that I was out of the country, so they lifted the block on my account and I was able to use the atm. While inconvenient at the time, I realize that they were protecting my account since it was unusual for my atm card to be used in another country.

I've had a great experience with the UVA community credit union and plan to be their customer for a long time.



Health

Health Grade Components

Overall
NCUA #62504
Year Chartered1954
Employees218
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD9.1%
Annual Interest Income$7.7MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$943.2MM$878.9MM
LoansQ1 2018vs Q1 2017$452.3MM$387.0MM
DepositsQ1 2018vs Q1 2017$838.5MM$780.6MM
Equity CapitalQ1 2018vs Q1 2017$87.7MM$87.7MM
Loan Loss AllowanceQ1 2018vs Q1 2017$3.2MM$3.0MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.5MM$1.1MM
Real Estate OwnedQ1 2018vs Q1 2017$64.00K$64.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

UVA Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$100-Traditional IRA
0.30%$100-Roth IRA
0.30%$100-Coverdell Education Savings Account
0.15%$300-Business Savings
0.15%$100-Share Savings
0.15%$100-Christmas Club

UVA Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-Business Money Market Rates
OTHER TIERS: 0.20% $5k - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k
0.45%*$100k*-Money Market Rates
OTHER TIERS: 0.15% $2,500 - $5k | 0.20% $5k - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k

UVA Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$2k*-Business Economy Checking
OTHER TIERS: 0.02% $1k - $2k
0.05%$3k-Business Plus Checking
0.05%*$2k*-Share Checking
OTHER TIERS: 0.01% Up to $750 | 0.02% $750 - $2k

UVA Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-5 Year CD
2.00%$500-Business 5 Year CD
1.75%$500-4 Year CD
1.75%$500-Business 4 Year CD
1.60%$5k-37 Month CD
1.60%$5k-Business 37 Month CD
1.40%$500-3 Year CD
1.40%$500-Business 3 Year CD
1.30%$5k-25 Month CD
1.30%$5k-Business 25 Month CD
1.20%$500-30 Month CD
1.20%$500-Business 30 Month CD
1.10%$500-2 Year CD
1.10%$500-Business 2 Year CD
1.00%$5k-13 Month CD
1.00%$5k-Business 13 Month CD
0.80%$500-1 Year CD
0.80%$500-Business 1 Year CD
0.70%$5k-7 Month CD
0.70%$5k-Business 7 Month CD
0.50%$500-6 Month CD
0.50%$500-Business 6 Month CD
0.35%$500-3 Month CD
0.35%$500-Business 3 Month CD

UVA Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-5 Year IRA
1.75%$500-4 Year IRA
1.40%$500-3 Year IRA
1.10%$500-2 Year IRA
0.80%$500-1 Year IRA
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