This year has been a successful one at Common Trust Federal Credit Union. We have grown in size, and we are now able to offer more benefits to our customers. And this is just the beginning!

Here we look back on the great things that happened and what we can look forward to in the future.

Merging Together for a Better Tomorrow

  • On November 1, 2022, Bedford VA FCU merged with us to become Common Trust Federal Credit Union. We joined forces and are able to provide our new customers with exceptional member services. We are looking forward to meeting you and helping your financial life thrive!
  • Our new members will continue to benefit from working with the same people in the same locations, with the same commitment to exceptional member service. The biggest difference is you now have access to an additional location, debit cards, and surcharge-free ATMs.

Make Life Easy With Mobile Banking

Our new mobile banking feature gives you more power and convenience to manage your Common Trust Federal Credit Union account from your mobile device using our New Mobile Banking Product. It’s fast, easy, and secure!

With our New Mobile Banking, you can:

  • View account balances
  • Review transaction history
  • Transfer funds between accounts
  • Pay Bills*
  • Transfer money to other people*
  • Set up SMS in order to make transfers via SMS
  • Alerts for daily summaries, minimum balances or change in balances
  • Deposit Checks

*Some set up required on Bill Payer by logging in through Home Banking

Easy to Manage Vehicle Loans

If you’re looking for a new or used car, our vehicle loans can save you money when you finance your vehicle with us! Come to us for the best interest rates and payment terms.

New Auto Loans

  • We can provide up to 120% financing on your new car or truck purchase.
  • We can also finance for up to 7 years on new cars or trucks.

Used Auto Loans

  • We can provide up to 120% financing of the NADA Retail value of your used car or truck purchase.
  • We will finance vehicles up to 7 model years old, and in some cases older.


  • Gives peace of mind by avoiding financial uncertainty after a traumatic loss
  • Protect your investment
  • Allows a “clean slate” when financing your next purchase
  • Download the brochure for more information

Fixed Rate Home Equity

With interest rates rising, a fixed rate home equity loan may be the right choice in the long run. You know what your monthly payment will be, making long-term financial planning easier. Click the link below to find more details:

Home Equity Loans

We would like to thank you for your support this year, and we look forward to banking with you in the New Year!