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Credit Card Consolidation

New Generations offers two attractive options to refinance your credit card debt, save you money, and help you pay off your debt faster than ever! Choose from our MasterCard credit card with no balance transfer fee and 0% intro APR or from our Lifestyle Loans.

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We have Millions to Lend!

...so we're giving you No Payments for 90 Days on new and used auto loans for cars as old as Model Year 2000, auto loans refinanced with New Generations from another lender, and Lifestyle Loans. Together with low rates and friendly, every-day service, there's never been a better time to bring your loans over to New Generations Federal Credit Union! Call us today: (804) 359-8754 option 2, or:

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We participate in the CO-OP Shared Branch network, giving you no-fee access to your New Generations account at 5,000+ branch locations and 30,000+ ATM locations across the United States. It's just one more way that New Generations Federal Credit Union is building financial strength, together.


Security Reminder 
New Generations Federal Credit Union will NEVER contact you and ask for personal or account information. Please DO NOT respond to any calls, text messages, emails, mailings or other requests for personal information.


We still offer Free Checking!

Get your free checking account with New Generations Federal Credit Union. No fees, no hassles. Just good old-fashioned checking. And online banking. And a debit card. Ok, so maybe it's not so old-fashioned. But it is one more way we're building financial strength together.

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Lifestyle Loans for anything!

Summer will be here before you know it. Now's the time to install that new pool, plan a dream family vacation, add that deck you've always wanted, and more! Even more - want to pay off your credit cards without transferring your balance to yet another card? It's your life - so add your own style with a Lifestyle Loan from New Generations. Click here to apply for a Lifestyle Loan today! Not a current member? Call us to see if you qualify! (It might be easier than you think.)

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*Rates quoted above include .25% rate reduction for direct deposit or payroll and a .25% rate reduction for an approved New Generations MasterCard. For example, the minimum payment at 1.74% APR for 60 months is $17.42 per $1,000.00 borrowed.

Add .50% for vehicles with mileage in excess of 100k.

Save an additional .25% for a 20% down payment!
Maximum combined rate reduction of .50%. The 1.74% APR is the lowest rate available, including discounts. Rates and terms are subject to change without notice, and may vary based on creditworthiness, term of loan, and year of vehicle. Other rates and terms are available. Down payment requirements will be based on inidividual qualifications.

Please call us at 804.359.8754 or 800.230.4819, and select option 2 for more information.           


New Generations is a Member-Owned Financial Cooperative serving Richmond since 1950
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
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We Do Business in Accordance With Federal Fair Lending Laws.
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