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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.
Data compiled from public sources
First Care Federal Credit Union began 49 years ago as Carilion Community Hospital Federal Credit Union and has maintained its mission to support the saving and borrowing needs of its membership and community. Today, it operates as a member-owned, not-for-profit organization with 1,260 members and serves primarily Carilion employees and retirees, their immediate family or household members, and employees of select Carilion contractors. The credit union is federally insured by the National Credit Union Administration (NCUA) with coverage up to $250,000 per account.
First Care offers a straightforward suite of financial products including low-interest personal loans, vehicle loans, interest-bearing savings (share) accounts, Christmas club accounts, vacation accounts, and share certificates at rate claims to verify. The credit union emphasizes its member-focused approach, positioning itself as an alternative to traditional banks and outside lenders with the promise of better loan rates. They also provide practical member benefits such as discounted movie tickets at AMC and Regal theaters nationwide.
The credit union distinguishes itself through its strong community commitment, evidenced by two annual $500 scholarships named after former leadership figures Betty Barr and Kevin Martin. Operating from a single location in Roanoke, Virginia, with limited hours (Monday-Friday, 9:30am-5:30pm, closed weekends), First Care maintains personal service and accessibility through phone, email, and fax communication. Their membership restrictions and local focus create a tight-knit community of member-owners.
First Care is best suited for Carilion-affiliated employees and their families seeking competitive loan rates and straightforward savings products in the Roanoke area. However, potential members should verify eligibility first, as membership is restricted to specific employment categories. The limited branch hours and single physical location may present accessibility challenges for those seeking weekend or extended hours banking.
This is state-level context for Credit Unions consumers in Roanoke, VA. It does not confirm that First Care or this specific location is licensed.
State regulator
Virginia Bureau of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First Care offers 12 services including Personal loans with low interest rates, Vehicle/auto loans, Interest-bearing savings (share) accounts, Christmas club savings accounts, Vacation savings accounts, and 7 more.
First Care has profile signals associated with Carilion healthcare employees and retirees seeking member-owned credit union benefits, Families of Carilion employees looking for low-rate loans and competitive savings products, Employees of Carilion contractors eligible for membership wanting community-focused banking, Local Roanoke residents with Carilion employment connections who prioritize lower loan rates.
Key strengths: Low-interest loan rates compared to traditional banks and outside lenders; All accounts federally insured up to $250,000 by NCUA; Member-owned, not-for-profit structure means earnings benefit members rather than shareholders. Areas to consider: Membership restricted to Carilion employees/retirees and their families—not open to general public; Single branch location in Roanoke, VA with limited accessibility.
In the Credit Unions category, comparable providers include Abnb, Augusta County, Navy Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
First Care is profiled for Carilion-affiliated employees and their immediate families in the Roanoke area who want member-owned, not-for-profit banking with competitive loan rates. The critical caveat is strict membership eligibility requirements—you must be a Carilion employee/retiree, their family member, or employee of a Carilion contractor to join.
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.
Profile signals: Members seeking 24/7 digital banking with instant transfer capabilities, Small business owners needing comprehensive commercial banking and lending services
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.
Profile signals: Augusta County employees and residents seeking relationship-based, personalized lending, Borrowers prioritizing listed pricing and no-penalty early payoff terms
Navy Federal Credit Union is a federally chartered credit union serving military members, veterans, and their families with branch banking, loans, and financial products.
Google rating from 307 reviews
Profile signals: Active duty military personnel and service members seeking military-exclusive discounts, Military veterans transitioning to civilian financial management
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