Credit Unions in Roanoke, VA
Review 40 listed credit unions profiles associated with Roanoke, Virginia. Check local offices, stored review context, and state-level rules before contacting a provider.
40
Credit Unions Listed Profiles
40
Statewide Profiles
Review credit unions provider profiles associated with Roanoke, Virginia. Compare local and statewide profile context, and check stored Google ratings where available.
How to Use This Roanoke List
Start with local and statewide provider profiles, then check the related state rules, common borrower questions, and CreditDoc data explainers. A listing here is directory context, not a recommendation, approval prediction, price quote, or licensing determination.
Credit Unions Serving Roanoke, VA
Statewide profiles that may be relevant for Roanoke residents researching this category.
Abnb
ABNB Federal Credit Union is a member-owned financial institution offering personal and business banking, loans, mortgages, and investment services with 24/7 online access.
Agriculture
Agriculture Federal Credit Union is a member-owned, not-for-profit credit union offering checking, savings, loans, mortgages, and investment services with no closing costs on home equity products.
Argent
Argent Credit Union is a member-owned, NCUA-insured credit union serving the Richmond, Virginia metro area with eight branches offering checking, loans, and savings products.
Arlington Community
Arlington Community Federal Credit Union is a member-owned credit union serving Virginia since 1951, offering personal and business banking with competitive rates and community-focused service.
Augusta County
Augusta County Federal Credit Union is a member-owned credit union serving the Verona, VA area with savings accounts, personal loans, and VISA debit card services.
Beacon Credit Union, Incorporated
Beacon Credit Union is a member-owned financial cooperative serving central Virginia with multiple branches, offering checking, savings, and lending products to qualified members.
Brunswick County Teachers
Bankee is a Virginia-based bank and ATM locator service that helps consumers find 3,137+ bank branches and 8,348+ ATMs across Virginia with directions and hours.
Central Virginia
Central Virginia Federal Credit Union is a member-owned credit union offering auto loans, personal loans, home loans, and Visa credit cards with competitive rates and digital banking services.
Chartway
Chartway Credit Union is a member-owned financial cooperative offering banking, lending, and investment services to individuals and businesses with competitive rates and community focus.
Credit Union of Richmond Incorporat
Virginia's longest continuously operating credit union since 1923, offering member-owned financial services with competitive loan rates and personalized service.
Dupont Community
DuPont Community Credit Union (DCCU) is a member-owned, not-for-profit financial institution offering checking, savings, loans, credit cards, and mortgages with competitive rates and a 10% loan rebate program.
First Care
First Care Federal Credit Union is a member-owned, not-for-profit credit union serving Carilion employees and families in Roanoke, VA with low-rate loans, savings accounts, and share certificates.
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How can I improve my credit score in Roanoke, VA?
Virginia's average credit score is 714, and many Roanoke residents fall below that threshold. Start by pulling your free credit reports and disputing any errors. If you have limited credit history, consider a secured credit card to build positive payment history. Roanoke-based credit unions like Freedom First Credit Union offer credit-builder products designed for residents with thin files. Keep credit utilization below 30%, and take advantage of free credit counseling through HUD-approved agencies in the Roanoke Valley.
What are the best debt consolidation options in Roanoke?
Roanoke residents benefit from Virginia's 36% APR cap under the Fairness in Lending Act of 2020, which limits what lenders can charge on consumer loans. For debt consolidation, consider a personal loan from a local credit union like Member One Federal Credit Union, which may offer lower rates than national lenders. If your debt exceeds what consolidation can solve, explore our list of best debt relief companies. Free counseling through Total Action for Progress (TAP) in Roanoke can help you evaluate whether consolidation, a debt management plan, or another strategy is right for your situation.
Are there credit unions in Roanoke that help with bad credit?
Yes. Roanoke is home to several credit unions that serve members with lower credit scores. Freedom First Credit Union and Member One Federal Credit Union are both headquartered in the Roanoke area and offer credit-builder loans, secured credit cards, and financial education programs. Credit unions typically have more flexible membership criteria and lower fees than national banks. With 50 FDIC-insured banking locations in Roanoke, you have options — but credit unions often provide the most accessible path to rebuilding credit locally.
Are payday loans legal in Roanoke, VA?
Payday lending is restricted in Virginia. The Fairness in Lending Act of 2020 capped consumer loans at 36% APR, effectively eliminating traditional high-cost payday lending in Roanoke and across the state. Virginia also maintains a 12% general usury limit. If you need emergency funds, safer alternatives include credit union emergency loans, employer advance programs, or assistance through local nonprofits like Total Action for Progress (TAP). Compare responsible borrowing options in our guide to best personal loan lenders.
Credit Unions Questions for Roanoke Residents
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