Personal Loans


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. This is why we created our safe, low-interest Payday Alternative Loan (PAL). Break the cycle of the Payday Advance Loans and apply today!

  • Interest Rate as low as 28.00% APR.

  • $20.00 PAL fee is applied for this loan.

  • Maximum amount you can borrow 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!

 
 

Unsecured Loans
(Signature Loans)

No collateral, no problem.

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, the interest rate will be higher.

  • Interest rates for Unsecured Signature Loans starting as low as 7.99% APR.

 
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.

 
 

Unsecured Signature Loans

All loans except Mortgage, Home Equity, and credit card are eligible for loyalty or usage discounts.

Grade/Months 6 - 24 25 - 36 37 - 48 49 - 60
A 7.99%* 8.99%* 9.99%* 10.99%*
B 11.99%* 12.99%* 13.99%* 14.99%
C 15.99%* 16.99%* 17.99%* N/A
D 17.99%* 17.99%* N/A N/A

Other Loans

All loans (except for Mortgages, Home Equity Lines of Credit and VISA Credit Card) are eligible for loyalty or usage discounts (see our Loan Discount page for more information). No loan rate can go below 2.99% the Floor rate is Wall Street Prime [currently set at 5.00%] if not set by BOD. All E loans and Credit Rebuilder Loans have an interest rate of 18% (APR*).

Loan Type Loan Rate Loan Details
CREDIT CARD VISA Wall StreetPrime Rate + 7% = 12.25% NO ANNUAL FEE
HOME EQUITY* Wall Street Prime Min. 4.50% to a Max. of 14.00%
MORTGAGE See Mortgage Rate Sheet  
UNIMPROVED PROPERTY As low as 6.00% 10 YEARS                    12 YEARS
PAYDAY ALTERNATIVE LOAN 28%
$20.00 loan fee

1% Interest Rate Discount for Direct Deposit
1% Interest Rate Discount for Auto-Pay

*APR = Annual Percentage Rate

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.



ACCOUNTS

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CONTACT US

Branch Office:
900 W. Main St.
Radford, VA 24141

Mail To:
PO Box 2963
Radford, VA 24143

Phone: 540-639-0885
Fax: 888-586-0349

Routing Number
251482066

Branch Hours:
Monday - Friday
8:00AM - 5:00PM

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DEBIT CARD INFO

Customer Service:
800-278-6888



FIND A FREE ATM

ATM Locator:
https://www.culiance.com/ATMLocator/

VISA CARD INFO

Customer Service:
800-808-7230

Online VISA Access:
www.EZCardInfo.com