PERSONAL LOANS

All potential loan interest rate adjustments/discounts will be assessed during the loan application process, please see loan rates & more section for a full list of applicable loan discounts and credit score grades.


Payday Alternative Loans

providing A helping hand

Installment or payday loans can be extremely expensive. Individuals are pushed by predatory lenders to renew their loans over and over again. These types of lending services and the practice of payday lending is slowly being regulated out of existence, but it's unclear where people with modest means will find short-term loans instead. That's why we created our safe, low-interest Payday Advance Loans (PAL). — contact First NRV Credit Union or visit a branch to find out if you qualify.

  • Are you in between a rock and a hard place? Apply for a 6-Month Term Payday Advance Loan at First NRV Credit Union today.

    • Interest Rate starting as low as 28.00% APR. Interest rate discounts are available. Please call for more details.

    • A $20.00 Payday Advance Loan fee is applied to your accounts for this type of loan.

      • This fee can be deducted from the funds that are borrowed from First NRV.

    • The maximum amount that you can borrow for this loan is $1,000.

 In a tight spot with your money? Let us be your PAL! Apply for a Payday Advance Loan today with First NRV Credit Union!

In a tight spot with your money? Let us be your PAL! Apply for a Payday Advance Loan today with First NRV Credit Union!


VISA Credit Cards

Convenient, fair, & reliable.

  • NO annual fees.

  • NO cash advance fees.

  • Interest rate is based off of Wall Street Prime Rate + 7% APR

  • The current interest rate for First NRV’s VISA Credit Cards is 12.25% APR

  • For more details on our low interest VISA Credit Card, please call 540-639-0885.

 A different kind of credit card. Low Interest Rate. No annual fees. No cash advance fees. Apply for a First NRV Credit Union VISA Credit Card today.

A different kind of credit card. Low Interest Rate. No annual fees. No cash advance fees. Apply for a First NRV Credit Union VISA Credit Card today.


Unsecured Loans (Signature Loans)

No collateral, no problem.

Unsecured loans are almost solely based off of credit score and credit history. This loan type requires no collateral, and tends to have a higher interest rate (APR) than that of a secured loan. Unsecured personal loans tend to be harder to qualify for due to the lack of collateral being offered to secure the loan.

  • This type of loan requires no collateral for security.

  • Since there is no collateral securing the loan, such as a vehicle, the interest rate will be higher.

  • Interest rates for Unsecured Signature Loans starting as low as 7.99% APR at First NRV Credit Union.

 No collateral? No problem. Apply for an unsecured loan with First NRV Credit Union today.

No collateral? No problem. Apply for an unsecured loan with First NRV Credit Union today.