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We have millions to lend!

Have you heard?!? New Generations Federal Credit Union has millions to lend to RVA! We've slashed rates on our automobile loans, credit cards, and even our Lifestyle Loans! We want to help our community by offering low rates. As a well-capitalized, non-profit, and 100% local financial institution, New Generations offers an alternative that we think you'll find very appealing.


Click here to apply for your share today!

Not yet a member? Enter your Social Security Number in the Member Number field, or call us at (804) 359-8754.


Automobile Loans

  • Affordable rates for model years as far back as 2003
  • Repayment terms up to 84 months (7 years)
  • Discounted rates available for direct deposit, MasterCard approval, and more
  • Rates as low as 1.74% APR

MasterCard Credit Cards

  • Fixed 0.00% APR for first 6 months on balance transfers, purchases, and cash advances
  • No balance transfer fees of any kind!
  • Rewards card available
  • Generous credit limits

Lifestyle Loans

  • Rates from 10.24% APR
  • Use for any purpose
  • Repayment terms up to 60 months (5 years)
  • No collateral required


  • Terms ranging from 15 to 30 years available
  • FHA, VA, VHDA, rural, conventional, and adjustable rate loan types are available
  • Condo, jumbo, vacation home, and second home loans are also available
  • We can also take a look at reverse mortgages and investment property mortgages
  • Apply now!

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