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1st Advantage Federal Credit Union


Overview / Commentary
www.1stadvantage.org
757-872-3535
110 Cybernetics Way
Yorktown, VA 23693

1st Advantage Federal Credit Union is headquartered in Yorktown and is the 17th largest credit union in the state of Virginia. It is also the 451st largest credit union in the nation. It was established in 1951 and as of June of 2024, it had grown to 215 employees and 70,591 members at 13 locations. 1st Advantage Federal Credit Union's money market rates are 9X the national average, and it has an A health rating.

Field of Membership Restrictions

1st Advantage Federal Credit Union is open to those who live, work, worship, or attend school in the Virginia cities of Chesapeake, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Richmond, Suffolk, Virginia Beach, or Williamsburg; the Virginia counties of Gloucester, Isle of Wight, James City, Mathews, or York; the North Carolina counties of Currituck or Gates.
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Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #7448
Year Chartered1951
Employees215
Primary Regulator
Profit Margin
Return on Assets - YTD1.73%
Return on Equity - YTD13.01%
Annual Interest Income$27MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$996.5MM$950.4MM
LoansQ2 2024vs Q2 2023$720.9MM$690.3MM
DepositsQ2 2024vs Q2 2023$845.6MM$822.8MM
Equity CapitalQ2 2024vs Q2 2023$133.1MM$112.5MM
Loan Loss AllowanceQ2 2024vs Q2 2023$5.4MM$4MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$3.6MM$3.9MM
Real Estate OwnedQ2 2024vs Q2 2023$132K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1st Advantage Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-IRA Variable
0.05%$100-Basic Savings
0.05%$100-Escrow
0.05%$100-Business Regular Savings
0.05%$100-Youth Savings Account
0.05%$100-Membership Savings

1st Advantage Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$1m*-Performance Plus Money Market
OTHER TIERS: 1.40% → $25k - $50k | 1.50% → $50k - $100k | 2.00% → $100k - $250k | 2.50% → $250k - $500k | 3.25% → $500k - $1m
4.00%*$1m*-Business Performance Plus Money Market
OTHER TIERS: 1.40% → $25k - $50k | 1.50% → $50k - $100k | 2.50% → $100k - $250k | 3.50% → $250k - $1m
2.00%*$0$10kMember Rewards Money Market
OTHER TIERS: 0.05% → $10k+
1.45%*$1m*-Money Market
OTHER TIERS: 0.50% → $2.5k - $10k | 0.65% → $10k - $75k | 0.75% → $75k - $250k | 1.00% → $250k - $500k | 1.10% → $500k - $1m
1.45%*$1m*-Business Money Market
OTHER TIERS: 0.50% → $2.5k - $10k | 0.65% → $10k - $75k | 0.75% → $75k - $250k | 1.00% → $250k - $500k | 1.10% → $500k - $1m

1st Advantage Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$0$7.5kHigh Yield Checking
OTHER TIERS: 0.05% → $7.5k+
4.00%*$0$7.5kHigh-Yield Business Checking
OTHER TIERS: 0.05% → $7.5k+
0.05%$100-Premier Checking
0.05%$250-Preferred Checking
0.05%$1k-Non-Profit Business Checking
0.05%$2.5k-Premier Business Checking

1st Advantage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-7 Month Share Certificate Special W/ DD
4.25%$500-Business 7 Month Share Certificate Special W/ DD
3.25%$500-11 Month Share Certificate Special
3.25%$500-Business 11 Month Share Certificate Special
3.00%$500-24 Month Share Certificate
3.00%$500-Business 24 Month Share Certificate
2.75%$500-36 Month Share Certificate
2.75%$500-48 Month Share Certificate
2.75%$500-60 Month Share Certificate
2.75%$500-Business 36 Month Share Certificate
2.75%$500-Business 48 Month Share Certificate
2.75%$500-Business 60 Month Share Certificate
2.75%$500-Business 55 Month Share Certificate
2.00%$5k-40 Month Bump Up Share Certificate
2.00%$5k-Business 40 Month Bump Up Share Certificate
1.20%$500-6 Month Share Certificate Special
1.20%$500-Business 6 Month Share Certificate Special
1.00%$500-12 Month Share Certificate
1.00%$500-Business 12 Month Share Certificate

1st Advantage Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500-11 Month IRA Certificate Special
3.00%$500-24 Month IRA Certificate
2.75%$500-36 Month IRA Certificate
2.75%$500-48 Month IRA Certificate
2.75%$500-60 Month IRA Certificate
2.00%$5k-40 Month Bump Up IRA Certificate
1.00%$500-12 Month IRA Certificate
Locations

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