- Routing #: 251082495
- Call: (804) 359-8754
At RVA Financial Federal Credit Union, our checking and savings accounts are designed to help you manage your money with confidence. Whether you’re building your first savings, managing everyday expenses, or planning for the future, we offer affordable, flexible banking solutions that put members first.
As a member-owned credit union serving the RVA community, we focus on fair rates, lower fees, and personal service—so your money works harder for you.
Our checking account makes everyday banking easy, secure, and convenient, without the high fees of traditional banks.
Features & Benefits
In addition to the standard features, our RVA Premier Checking account offers:
Qualifications to earn dividends:
Whether you’re managing household expenses, receiving paychecks, or making everyday purchases, RVA Financial checking accounts keep your money accessible and protected.
*Remote Deposit Capture allows you to deposit checks via your mobile device up to $2,500 daily and $5,000 monthly (rolling 30 days). This is a free service. Member must enroll and will be approved based on check deposit history with the credit union.
**Members must enroll and accept terms and conditions in order to receive eStatements on their account. If you elect not to receive e-statements and e-notifications, you will be charged a $5.00 monthly account maintenance fee.
***APY = Annual Percentage Yield. Members not meeting the dividend requirements will not earn dividends.
Visit our Rate and Fee Schedule for additional disclosures.
Features & Benefits
RVA Savings accounts include:
Savings Accounts That Help You Grow
From emergency funds to long-term goals, our savings accounts support you every step of the way.
At RVA Financial, your everyday banking activity can help your savings grow even faster. Our Special Savings Dividend Program rewards members with higher dividend rates based on account usage, engagement, and long-term relationships with the credit union.
Members earn points for common financial behaviors—like saving more, using digital tools, and staying active with their accounts. The more points you earn, the higher your dividend tier.
Dividend Tier Levels
Members are placed into one of the following tiers based on total points earned:
Bronze – Base tier
Silver – 100 points required
Gold – 200 points required
Platinum – 300 points required
Visit our Rate & Fee Schedule to see the Annual Percentage Yield (APY) you’ll earn based on the points you’ve accumulated. To view your point status, login in to online banking, and look under Tiered Services.
You earn 3 points for each year of membership after your first year.
Credit score points are awarded as follows:
Points are earned based on your combined balances across eligible accounts:
Points are earned based on your combined balances across eligible accounts:
You can earn points through debit card activity:
Points are awarded for using and enrolling in digital services:
Additional points can be earned through deposits and loan payments:
This program rewards everyday banking, encourages smart financial habits, and helps your money work harder, without requiring any special enrollment.
Your activity earns points. Your points unlock higher dividends.
A Money Market Account (MMA) combines the earning power of higher dividends with the convenience of easy access, making it a smart choice for members who want their savings to work harder without locking funds away.
Key Features
How Dividends Work
Dividends are calculated based on your average daily balance and credited monthly. In many cases, higher balances earn higher dividend rates, helping your money grow faster.
Our Money Market account requires:
*APY = Annual Percentage Yield. Members not meeting the balance requirements will not earn dividends.
Visit our Rate and Fee Schedule for additional disclosures.
Our Holiday Club Account helps you prepare for seasonal expenses, gifts, gatherings, travel, and everything in between, by setting money aside throughout the year.
How it works:
It’s a simple, disciplined way to make the holidays brighter—without relying on last-minute credit or added stress.
Member-Owned Advantage
As a credit union, we reinvest profits back into our members through better rates, fewer fees, and improved services.
Community-Focused Banking
We proudly serve the RVA region with a commitment to local growth, financial education, and personalized support.
Trusted & Secure
Your financial security matters. We use modern technology and responsible financial practices to safeguard your accounts.
Personalized Service
Our team is here to help you choose the right accounts based on your goals—not push products you don’t need.
All RVA Financial accounts are insured by the National Credit Union Administration (NCUA), providing you with peace of mind and security for your funds. To find out how much of your share account is insured by the NCUA, you can use their share insurance calculator. This handy tool can be accessed at the following link: https://mycreditunion.gov/protect-your-money/share-insurance/share-insurance-estimator. It will give you a clear estimate of the insured amount on your share account. Additionally, if you have any specific questions about your share insurance, the NCUA has provided a main number for their question and answer line, as well as an email address. You can reach them at 703-518-1150 or via email at dcamail@ncua.gov. We are here to provide you with support and assistance, so do not hesitate to contact us if you need further information.
Open a Checking or Savings Account today and become a member of RVA Financial Federal Credit Union today.
Call anytime 24/7
(804) 359-8754
Routing # 251082495 | NMLS#523374 | Privacy Policy
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