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CREDIT CARDS

A smiling woman with short curly red hair holds up a white credit card with a Mastercard logo. She wears a tan turtleneck and hoop earrings, standing against a plain light background.

Everyday Convenience. Responsible Credit.

RVA Financial Credit Cards are designed to provide everyday purchasing power with fair terms and manageable limits. Whether you’re covering daily expenses or building credit, our cards offer a smarter alternative to high-fee, high-interest options.

Credit Card Features

  • Competitive interest rates as low as 11.90% APR*
  • Manageable credit limits
  • Fraud protection and security monitoring
  • Convenient online account access

*APR=Annual Percentage Rate

Why Choose RVA Financial for Credit Cards?

  • Lower rates than many traditional banks
  • Transparent terms
  • Local support when you need it
  • Designed with members in mind

Earn Cash Back with Every Purchase

 

Make every purchase more rewarding with your RVA Financial Mastercard®. Earn 1% cash back on eligible purchases—up to $50 per month ($600 annually).

Your cash back is automatically deposited into your RVA Financial Primary Share Savings Account at the end of each month.

Cash Back Eligibility

  • Earn 1% cash back on eligible purchases.
  • Maximum cash back of $50 per month and $600 per calendar year.
  • Cash back is not earned on interest charges, fees, cash advances, or balance transfers.
  • Your credit card account must be current and in good standing to qualify for cash back rewards.

Protect your family against the unexpected.

Credit insurance may make your loan payments when you can’t.

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against unexpected and covered life events could help protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow.

  • Simple to apply
  • Designed to fit your lifestyle
  • Coverage that fits your loan
  • Totally voluntary
  • Won’t affect your loan approval
  • Sign up for credit insurance at your loan closing, or anytime you like

Call (804) 359-8754 now to learn more.

Simple loans. Honest guidance. Real support.

Apply Online or at our local branch!

Apply Now
1700 Robin Hood Road
Richmond, VA 23220

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and with us, it is.

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If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 804-359-8754 for assistance. All products and services available on this website are available at all RVA Financial Federal Credit Union full-service locations.

1 Rate effective as of 03/01/2026. Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 of 3 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, a .50% discount for a loan-to-value (LTV) that is 100% or less, and 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit and collateral approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in our Preferred Dealer Network.

2 Rate effective as of 03/01/2026. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, and a 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts.

3 Rate effective as of 03/01/2026. Standard APRs for purchases and balance transfers will apply and is subject to change. We will begin charging interest on balance transfers on the transaction dates. Earn 1% cash back up to $50 monthly, $600 annually on purchases. Cash back is redeemed to share savings at month end. 1% not earned on interest, fees, cash advances, balance transfers, and must be current. RVA Financial is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. RVA Financial also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Card Agreement & Disclosure Statement for more information. Subject to credit approval. Minimum and maximum credit limits apply.