1St Advantage Credit Union

PO Box 2116
Newport News, VA 236090116
1-800-359-7650
www.1stadvantage.org

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1St Advantage Credit Union is headquartered in Newport News and is the 13^st largest credit union in the state of Virginia. It is also the 360^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 170 employees and 56,633 members. 1St Advantage Credit Union has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

1St Advantage Credit Union Checking Account Rates

Apy	Min	Max	Product
0.10%	$100	-	Premier Checking
0.10%	$500	-	Preferred Checking
0.10%	$1k	-	Non-Profit Business Checking
0.10%	$2,500	-	Premier Business Checking

1St Advantage Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$100	-	Savings
0.25%	-	-	Junior Advantage
0.25%	$100	-	IRA Variable
0.25%	$100	-	Regular Business Savings
0.25%	$100	-	Roth IRA Variable
0.25%	$100	-	Coverdell ESA Variable
0.15%	$100	-	Christmas Club
0.15%	$100	-	Vacation Club
0.05%	$100	-	Escrow

1St Advantage Credit Union Money Market Rates

Apy	Min	Max	Product
0.31%	-	-	Member Rewards Money Market - Qualified Accounts
0.31%	-	-	Business Member Rewards Money Market - Qualified Accounts
0.20%	$75k	-	Money Market
0.20%	$75k	-	Business Money Market
0.10%	-	-	Member Rewards Money Market - Non-Qualified Accounts
0.10%	-	-	Business Member Rewards Money Market - Non-Qualified Accounts

1St Advantage Credit Union CD Rates

Apy	Min	Max	Product
1.99%	$500	-	60 Month Share Certificate
1.99%	$500	-	Business 60 Month Share Certificate
1.21%	$500	-	48 Month Share Certificate
1.21%	$500	-	Business 48 Month Share Certificate
1.11%	$500	-	36 Month Share Certificate
1.11%	$500	-	Business 36 Month Share Certificate
0.91%	$500	-	23 Month Share Certificate
0.91%	$500	-	Business 23 Month Share Certificate
0.91%	$500	-	23 Month Bump Up Share Certificate Special
0.81%	$500	-	18 Month Share Certificate
0.81%	$500	-	Business 18 Month Share Certificate
0.71%	$500	-	24 Month Share Certificate
0.71%	$500	-	Business 24 Month Share Certificate
0.51%	$500	-	12 Month Share Certificate
0.51%	$500	-	Business 12 Month Share Certificate
0.41%	$500	-	6 Month Share Certificate
0.41%	$500	-	Business 6 Month Share Certificate

1St Advantage Credit Union IRA Rates

Apy	Min	Max	Product
1.99%	$500	-	60 Month IRA
1.99%	$500	-	60 Month Roth IRA
1.99%	$500	-	60 Month CESA
1.21%	$500	-	48 Month IRA
1.21%	$500	-	48 Month Roth IRA
1.21%	$500	-	48 Month CESA
1.11%	$500	-	36 Month IRA
1.11%	$500	-	36 Month Roth IRA
1.11%	$500	-	36 Month CESA
0.91%	$500	-	23 Month IRA Special
0.91%	$500	-	23 Month Roth IRA Special
0.91%	$500	-	23 Month CESA Special
0.81%	$500	-	18 Month IRA
0.81%	$500	-	18 Month Roth IRA
0.81%	$500	-	18 Month CESA
0.71%	$500	-	24 Month IRA
0.71%	$500	-	24 Month Roth IRA
0.71%	$500	-	24 Month CESA
0.51%	$500	-	12 Month IRA
0.51%	$500	-	12 Month Roth IRA
0.51%	$500	-	12 Month CESA

Rates updated: 5/16/2012

Data for Q4 2011

Institution Statistics

1ST ADVANTAGE
NCUA #	7448
BankRate Report	View
Year Chartered	1951
Employees	170
Primary Regulator
Assets and Liabilities
Assets	$545.06 million
Loans	$369.37 million
Deposits	$471.97 million
Equity Capital	$56.47 million
Loan Loss Allowance	$3.41 million
Unbacked Noncurrent Loans	$5.91 million
Real Estate Owned	$1.43 million
Historic Data - December 2010
Assets	$523.84 million
Equity Capital	$51.90 million
Loan Loss Allowance	$5.64 million
Unbacked Noncurrent Loans	$5.78 million
Real Estate Owned	$1.41 million
Profit Margin - Quarterly
Net Interest Margin	4.87%
Return on Assets	0.74%
Return on Equity	7.13%
Interest Income	$21.34 million
Non-Interest Income	$8.99 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 1St Advantage Credit Union had $7.34 million in non-current loans and owned real-estate with $59.88 million in equity and loan loss allowances on hand to cover it. This gives 1St Advantage Credit Union a Texas Ratio of 12.26% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for 1St Advantage Credit Union held steady from 12.48% as of December 31, 2010 to 12.26% as of December 31, 2011, resulting in a positive change of 1.80%.This indicates that the balance sheet and financial strength for 1St Advantage Credit Union has held steady in recent periods.
Deposit Growth
In the past year, 1St Advantage Credit Union has increased its total deposits by $20.08 million, resulting in 4.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1St Advantage Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1St Advantage Credit Union has $545.06 million in assets with $59.88 million in equity, resulting in a capitalization level of 10.99%, which is above average.

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