First NRV Federal Credit UnionSmall enough to know you... large enough to server
HomeAbout UsChecking AccountsSavings AccountsLoansRatesForms & ApplicationsContact Information


Lending Services



***Click Below for a Printable Copy of our Loan Application



                             Page #1 of Loan Application


                             Page #2 of Loan Application



Lending Services & Lines of Credit:

1st NRV FCU has been providing beneficial & affordable loan services to the New River Valley for 80 years. Credit cards, personal loans, auto loans, mortgages, home-equity, and much more! Come down to 1st NRV FCU today to speak with one of our loan officers, or call us today at (540)639-0885 and set up an appointment with someone in loan services for a later date! We are willing to work with you, so don't miss out on the potential help be could be providing you!


1st NRV Visa Credit Cards


To apply for an 1st NRV credit card, go to one of the branches for an application to fill out. Our card offers a low interest rate of 10.75%* and no annual fees.  


* (7% +  Wall Street Prime)


Loans & Mortgages

We have loans for every possible need our members may have. We offer Visa Credit Cards, Payday Advance Loans (PAL), Signature Loans, Auto Loans, Mortgages and much more! 1st NRV FCU is here to provide products and services to help to assist the New River Valley community financially, and to help instill responsibility & stability into its members. So come down to 1st NRV FCU today and see if we can help you out!

Loan Discount Opportunities


You can receive a 0.25% auto pay discount and a 0.25% direct deposit discount for a total of 0.5% discount on loan rates. By doing this you not only save money but time as well. Some restrictions may apply.

Credit Life and Credit Disability Coverage


You can receive low cost Credit Life and Credit Disability Insurance.

Guaranteed Asset Protection (GAP)

You may purchase GAP coverage on 1st NRV Auto Loans and Recreational Vehicle Loans. For a low, flat rate of $265 you can get coverage for up to 125% of the car’s worth. This offers you protection for your assets and gives you financial peace of mind.


Mechanical Repair Coverage



Available on both new and used cars. Platinum, Silver, and Gold plans

Easiest way to avoid expensive repairs bills and our policy's are cheaper than dealers coverage



Helping Make Houses Become Homes - Mortgages:

1st NRV FCU  provides the highest quality professional loan services to help meet all of your mortgage needs! Come down and apply today, or apply for a mortgage online through our forms & applications tab of our main webpage!
Mortgage Options For Purchasing & Refinancing:

i. Fixed or Adjustable Rates
ii. Up to 30 Year Long Mortgage Terms
iii. Cash Out Refinancing
First Time Home Buyer Program
 i. Low Down Payment
ii. Gifts, Grants, and other approved sources may be used for Closing Costs.
Other Mortgage Benefits
i. Experienced Mortgage Advice & Consultations
ii. Low Closing Costs & No Broker Fees
iii. Potential Discount Opportunities on Many Products
iv. Fast & Easy Paperwork/Signing Process
v. Products are also available for those of our Members with lower Credit Scores.
***We reserve the right to run a credit check on all applicants, and we do not guarantee that we will be able to lend to you or any individual. You must go through the application process before we can approve your loan.