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Smart Credit Card Rewards

- Earn points on every purchase for travel, gifts, gadgets, and more
- Earn bonus points with your first transaction
- Generous credit limits for several credit tiers
- 0% intro APR for 6 months
- No balance transfer fees
- $0 annual fee

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No payments for 90 days...

...when you buy a new or used vehicle and finance it with New Generations! Free up cash now and in the future with no payments for 90 days and rates as low as 1.74% APR.* Call us at (804) 359-8754 ext. 2 or stop by for more details!

With repayment terms up to 84 months and new car rates available on models as old as 2011, we can create a financing solution that meets all of your needs. Don't want to get pre-approved? Just ask your dealer for financing with New Generations through CUDL!

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New Generations
Richmond Chapter of Credit Unions

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We are a participating member of the Credit Union Service Center network.

The National Credit Union Administration today warned consumers to beware of a new telephone fraud, known as a “vishing” scheme, that is using the agency’s name in an attempt to obtain personal financial information.

Several credit union members have been contacted by an automated phone call claiming to be from NCUA and notifying consumers their debit cards have been compromised. The call then asks the receiver to follow prompts, which request personal information, including sensitive financial data and personal identification information.

Anyone contacted by this so-called “vishing” scheme should immediately contact NCUA’s Consumer Assistance Center Hotline at 800-755-1030 or by email at to report the scam. Operators answer calls Monday through Friday between 8 a.m. and 5 p.m. Eastern.

NCUA neither seeks personal information from consumers over the telephone nor handles day-to-day maintenance of member account information. NCUA works with law enforcement agencies, including the FBI, to protect consumers from frauds of this nature.

NCUA urges consumers to never verify or release personal financial information to unknown callers.

Target Security Breach

Between November 27, 2013 and December 15, 2013, criminals gained unauthorized access to debit and credit card data at Target stores in the United States. If you shopped at Target during this timeframe with a Visa debit card or MasterCard credit card from New Generations, we ask that you monitor your account for suspicious activity. If you believe your account has been compromised, please call us immediately at (804) 359-8754. While it is not believed that debit card PINs were obtained during this attack, you may change your PIN at any time by visiting a New Generations branch. For more information on this breach, please visit these Target resources:

Statement from Target CEO

Target Data Breach FAQ

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.)



*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.           

Congress is considering the taxation of credit unions in order to close the budget gap. This taxation would be devastating to credit unions and their members, as it would directly challenge the non-profit, tax-exempt status that has allowed credit unions to serve as stalwart cheerleaders for working-class Americans. Please show your support for credit unions in America by visiting and sending a message to your legislators telling them you do not want your credit union to be taxed. Thank you for your support!

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.
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.
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We Do Business in Accordance With Federal Fair Lending Laws.
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