1st Advantage Federal Credit Union
Headquarters
Po Box 2116
Newport News, VA 23609
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2024 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 $996.51 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 / Federally Chartered |
| Charter Number # | # 7448 |
| Date Established | 1951 |
| Assets | $996.51 million |
| Loans | $720.88 million |
| Deposits | $845.55 million |
| Capital | $141.42 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 - December 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.05% | $10,000 | $14,999 |
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|
|
Premium Money Market Account
|
0.05% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - December 23, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.960% | 6.875% | 0.63 | $2,764 | $2,103 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.966% | 6.875% | 0.50 | $3,145 | $2,103 | Learn More |
NMLS ID: 3030 |
7.338% | 7.250% | 0.88 | $2,800 | $2,183 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to 1st Advantage
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are 1st Advantage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
1st Advantage Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 338.84 | A | View Lobby Hours | |
| 377.95 | B | View Lobby Hours | |
| 379.98 | C | View Lobby Hours | |
| 380.93 | D | View Lobby Hours | |
| 386.26 | E | View Lobby Hours | |
| 390.65 | F | View Lobby Hours | |
| 392.09 | G | View Lobby Hours | |
| 394.28 | H | View Lobby Hours | |
| 396.29 | I | View Lobby Hours | |
| 398.04 | J | View Lobby Hours | |
| 398.29 | K | View Lobby Hours | |
| 399.13 | L | View Lobby Hours | |
| 399.13 | M | View Lobby Hours | |
| 402.76 | N | View Lobby Hours |
Climate Policy and Initiatives
1ST ADVANTAGE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 4.33% | 5.83 |
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 June 30, 2024, 1st Advantage had $6,007,310 in non-current loans and $292,625 in owned assets. To cover these potential losses it had $141,423,970 in net worth and $3,992,207 in loans loss reserves. That gives it a Texas Ratio of 4.33%.
Net Worth
| 1st Advantage | U.S. Average |
|---|---|
| 14.18% | 13.93% |
1st Advantage FCU has a net worth of 14.18% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for 1st Advantage
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