Important Member Notice | As we approach the systems merger with Virginia Credit Union, please be aware of the following important dates and times.
Access to CFCU On-The-Go services, including Net24, Dial24 & Mobile24 will be unavailable after 5pm on Friday, May 29th.
Access to mobile deposit using your Mobile24 Mobile Banking app will be unavailable after 5pm on Thursday, May 28th.
Starting Monday, June 1st, you can re-enroll in home banking on the Virginia Credit Union website.
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Life's little emergencies can catch up to you. When you need a little extra cash, remember Chesterfield Federal Credit Union.

Cover unexpected expenses, consolidate debt or finance a major purchase.

Perhaps you need money for car repairs or new appliances for your home? Maybe you want to take a dream vacation or save money by consolidating your high-interest credit cards? Whatever the reason, a personal loan from Chesterfield Federal Credit Union is the answer.

What is a personal loan?

A personal loan is for a set amount, repaid over a pre-determined period of time. You can borrow as little as $500 for a few months or as much as $25,000 for up to 60 months.

2020: The Year To Reach Your Financial Goals

For a limited time, you may qualify for up to 1.00% APR** off our already low loan rates when you bring your high-rate credit cards and personal loans to Chesterfield Federal Credit Union.  You'll save money on interest, and enjoy the convenience of one monthly payment!

* APR = Annual Percentage Rate.   Take up to 1.00% APR off your qualifying standard rate when you finance during the promotional period.  Rate tier discounts are as follows:  A+: 1.00% APR | A: .75% APR | B: .50% APR |C, D, or E: No discount.  Your rate may vary and is based on creditworthiness & term.  Additional rate reductions may apply, up to a total rate reduction of 2.00% APR including the promotional discount. Offer valid for debt consolidation loans only, and require a minimum 36 month term and at least a $10,000 loan amount.  Chesterfield Federal Credit Union & Virginia Credit Union loans can be included when at least one external loan is refinanced into the loan. Membership eligibility required. Federally Insured by NCUA.  Offer valid for loans booked by 3/20/2020


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Debt Protection

Play it safe with CFCU Safety Net

Help preserve your standard of living. Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because the unexpected can happen at anytime. You’re betting you won’t lose your job (through no fault of your own), or become disabled (due to injury or illness), or pass away, leaving your family responsible for your loan balance. Life events can cause financial hardship, making bill-paying difficult. You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.

Protection suited for you

CFCU Safety Net* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly occurs. And, simple eligibility requirements ease the enrollment process.

Protection that matters

If your loan is protected and a life event happens to you, CFCU Safety Net* will cancel or reduce repayment of your loan debt - helping to lessen worries about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.

Protection suited for your needs

Because each member has different needs, we offer three different options for protection with CFCU Safety Net:

  • Comprehensive Protects your family in case of loss of life, disability or involuntary unemployment
  • Prepared Protects your family in case of loss of life or disability
  • Thoughtful Protects your family in case of loss of life
Ask your Financial Services Representative about protection with CFCU Safety Net.
* Your purchase of CFCU SafetyNet is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of CFCU SafetyNet.
Effective May 1, 2020
Personal Lending APR* Term^ Calculator
Signature Loan 8.49% 60 months Calculator
Share Secured Loan ~ 6.00% 60 months Calculator
Credit Builder Loan 24.74% 60 months Calculator
* Annual Percentage Rate. Lowest APR available with qualifying credit & automatic payment. Rates are subject to change at anytime without notice.
^ Financing available for 49 - 60 months on loans above $10,000. As an example, the monthly payment on a loan with 8.24% APR and an 60-month term would be about $20.39 per $1,000 financed.
~ Share Secured Loan is 1.75% APR above the rate of instrument, rounded up to the nearest quarter percent. Floor of 6.00% applies.


Applying for a loan online is easy! Just follow these simple steps:

Auto Loans & Personal Loans

  1. Log in to your Net24 Home Banking account
  2. Select "Apply For A Loan" from the left column navigation menu
  3. Complete the appropriate application
  4. A Financial Services Representative will contact you within one business day with more information.

First Mortgages

  1. Complete an Mortgage ApplicationOpens in New Window through our recommended mortgage partner's loan site.
  2. Their mortgage specialist will contact you to get more information about your mortgage needs.
Request Info
Personal loans are convenient and can be used for anything!