- Routing #: 251082495
- Call: (804) 359-8754
Saving for retirement doesn’t have to feel overwhelming. RVA Financial offers both Traditional and Roth Individual Retirement Accounts (IRAs) designed to help you build long-term financial security with guidance you can trust.
An Individual Retirement Account (IRA) is a smart, flexible way to save for retirement—no matter where you are in life or your career. Whether you’re just starting out, building momentum, or preparing for the next chapter, an IRA helps your money grow with valuable tax advantages.
A Traditional IRA allows you to make tax-deductible contributions (depending on income and tax filing status), with taxes paid later when funds are withdrawn in retirement.
A Roth IRA is funded with after-tax dollars, but qualified withdrawals in retirement are completely tax-free.
*Consult a tax professional regarding eligibility and tax implications.
Opening an IRA is one of the most effective ways to invest in your future.
Key benefits include:
Tax advantages that help your savings grow faster
Long-term financial security for retirement
Flexible contribution options based on your income
Peace of mind, knowing you’re planning ahead
An IRA complements workplace retirement plans or stands strong on its own if you’re self-employed or don’t have access to an employer-sponsored plan.
Almost anyone with earned income can benefit from an IRA, including:
Young adults starting their first job
Working professionals building long-term wealth
Parents planning for financial independence later in life
Self-employed individuals without employer plans
Anyone seeking tax-smart savings options
It’s never too early—or too late—to start saving for retirement.
Come in to open an IRA
Call anytime 24/7
(804) 359-8754
Routing # 251082495 | NMLS#523374 | Privacy Policy
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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.
