PO Box 2116
Newport News, VA 23609
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.62% →
1-Year CD 0.75% 1.55% →
2-Year CD 1.26% 1.45% →
5-Year CD 1.30% 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

1st Advantage is an NCUA insured institution located in Newport News, VA. It was founded in 1951 and has approximately $719.48 millions in assets.

Who can join?

If you live, work, worship or attend school on the Virginia Peninsula (which includes Gloucester County, York County, the City of Williamsburg, James City County, the City of Newport News, the City of Hampton, and the City of Poquoson), or if a member of your immediate family is a member, you're eligible to join.

NCUA Insured Yes
Charter Number # # 7448
Date Established 1951
Assets $719.48 million
Loans $569.17 million
Deposits $617.81 million
Capital $88.21 million

Field of Membership Restrictions

Membership is open to live, work, worship or attend school in Gloucester County, York County, the City of Williamsburg, James City County, the City of Newport News, the City of Hampton, and the City of Poquoson, or iimmediate family of a member..

Deposit Rates - May 30, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $100 - Learn More
Money Market
0.10% $2,500 $9,999 Learn More
Money Market
0.15% $10,000 $24,999 Learn More
Money Market
0.35% $25,000 $74,999 Learn More
Premium Money Market Account
1.50% $10,001 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.75% $500 - Learn More
12 Mo CD
0.75% $500 - Learn More
18 Mo CD
2.65% $50,000 - Learn More
24 Mo CD
1.26% $500 - Learn More
36 Mo CD
1.30% $500 - Learn More
48 Mo CD
1.30% $500 - Learn More
60 Mo CD
1.30% $500 - Learn More
Variable IRA Rates APY MIN MAX
0.25% $100 - Learn MoreShow Less
Fixed IRA
0.75% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $100 - Learn MoreShow Less

Loan Rates - May 30, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1ST ADVANTAGE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

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1st Advantage Locations

Financial Details

1st Advantage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Advantage. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
1st Advantage U.S. Average
6.99% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, 1st Advantage had $4,002,196 in non-current loans and $2,511,770 in owned assets. To cover these potential losses it had $88,206,364 in net worth and $4,949,088 in loans loss reserves. That gives it a Texas Ratio of 6.99%.

Net Worth
1st Advantage U.S. Average
12.25% 13.86%

1st Advantage FCU has a net worth of 12.25% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About 1st Advantage

Branches and Savings

What is 1st Advantage?

A federal credit union, registered with the NCUA under certificate #7448.
Learn more about credit unions here.

Is 1st Advantage FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join 1st Advantage?

Please see Field of Membership information above for information on who is eligible to join.

What are 1st Advantage's share account and share certificate rates?

1st Advantage's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is 1st Advantage?

1st Advantage has total capital of $88.21 million. Full information on 1st Advantage's financial position is located above.

Who owns 1st Advantage?

Credit Unions are owned by their members.

Where are 1st Advantage branches located?

See branch locations nearby.

Are 1st Advantage ATMs Open 24/7?

Do 1st Advantage ATMs accept cash deposits?

Can 1st Advantage customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does 1st Advantage have a mobile app?

Does 1st Advantage have mobile deposit?

Does 1st Advantage have quick pay?

How can 1st Advantage transfer money to other banks or credit unions?

Does 1st Advantage report to credit bureaus?

Does 1st Advantage use Chexsystems?

Does 1st Advantage use Equifax?

What is 1st Advantage's toll free phone number?

What is 1st Advantage's ACH Routing Number?

What is 1st Advantage's SWIFT code?

Where can I find 1st Advantage's wire transfer form?

What is the 1st Advantage address for deposits?

What Products Does 1st Advantage Offer

Does 1st Advantage offer mortgages?

Compare mortgage rates here.

Does 1st Advantage offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Advantage offer auto and RV loans?

Compare auto loan rates here.

Does 1st Advantage offer student loans or personal loans?

Compare personal loan rates here.

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