Peoples Advantage Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.30%	5-year CD	3.00% - Goldman Sachs Bank USA High-yield 5 Year CD
2.12%	1-year CD	2.70% - Goldman Sachs Bank USA High-yield 12 Month CD
0.10%	Savings	2.20% - Barclays Online Savings Account

View all Peoples Advantage Federal Credit Union rates »

Overview / Commentary

peoplesadvfcu.org

804-748-3081

110 Wagner Rd
Petersburg, VA 23805

Peoples Advantage Federal Credit Union is headquartered in Petersburg and is the 58^th largest credit union in the state of Virginia. It is also the 1,980^th largest credit union in the nation. It was established in 1966 and as of December of 2018, it had grown to 38 employees and 9,239 members at 4 locations. Peoples Advantage Federal Credit Union's money market rates are 3X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship volunteer, attend school in, or businesses and other legal entities located in the Counties of Amelia, Caroline, Charles City, Chesterfield, Cumberland, Dinwiddie, Goochland, Hanover, Henrico, King and Queen, King William, Louisa, New Kent, Powhatan, Prince George, and Sussex; and the Independent Cities of Colonial Heights, Hopewell, Petersburg, and Richmond.
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Health

C+

Data as of Q4 2018

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Peoples Advantage Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	17464
Year Chartered	1966
Employees	38
Primary Regulator

Profit Margin
Return on Assets - YTD	0.48%
Return on Equity - YTD	5.44%
Annual Interest Income	$4.2MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$69.2MM$69.8MM
Loans	Q4 2018vs Q4 2017	$47.6MM$40.2MM
Deposits	Q4 2018vs Q4 2017	$63.4MM$64.0MM
Equity Capital	Q4 2018vs Q4 2017	$6.2MM$6.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$777.00K$716.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$922.00K$741.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Peoples Advantage Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	-	-	IRA Share Accounts
0.10%	$500	-	Shares Account
0.10%	-	-	Kat's Shares

Peoples Advantage Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.41%^*	$75k^*	-	Money Market Shares
OTHER TIERS: 1.21% → $2k - $20k \| 1.31% → $20k - $75k

Peoples Advantage Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	Share Drafts Account

Peoples Advantage Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.30%^*	$50k^*	-	60 Month CD
OTHER TIERS: 3.03% → $1k - $50k
3.09%^*	$50k^*	-	48 Month CD
OTHER TIERS: 2.84% → $1k - $50k
2.89%^*	$50k^*	-	36 Month CD
OTHER TIERS: 2.63% → $1k - $50k
2.68%^*	$50k^*	-	24 Month CD
OTHER TIERS: 2.42% → $1k - $50k
2.12%	$1k	-	12 Month CD
2.12%	$1k	-	12 Month Save to win
1.66%	$1k	-	9 Month Payday Certificate
1.51%	$1k	-	6 Month CD
1.51%	$1k	-	6 Month Payday Certificate
1.00%	$1k	-	3 Month CD
1.00%	$1k	-	3 Month Payday Certificate

Peoples Advantage Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.30%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 3.03% → $1k - $50k
3.09%^*	$50k^*	-	48 Month IRA
OTHER TIERS: 2.84% → $1k - $50k
2.89%^*	$50k^*	-	36 Month IRA
OTHER TIERS: 2.63% → $1k - $50k
2.68%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 2.42% → $1k - $50k
2.12%	$1k	-	12 Month IRA

Locations

Peoples Advantage Federal Credit Union Locations
Branch Office	110 Wagner Rd	Petersburg, VA 23805-9303
Branch Office	10001 Courtview Ln	Chesterfield, VA 23832
Branch Office	2801 Conduit Rd	Colonial Heights, VA 23834-2971
Branch Office	6620 W Broad St Bldg 2	Richmond, VA 23230

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