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1st Advantage Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 28, 2026
1st Advantage Federal Credit Union's CD - 8 Month rates are at 4.00%, CD - 4 Month rates are at 3.50%, CD - 11 Month rates are at 2.85%, CD - 24 Month rates are at 2.75%, CD - 36 Month rates are at 2.75%. 1st Advantage Federal Credit Union's savings rates are at 1.98%. 1st Advantage Federal Credit Union's money market rates are at 4.00%. 1st Advantage Federal Credit Union's checking rates are as high as 3.93%. 1st Advantage Federal Credit Union's Mortgages for Professionals - 5/5 ARM rates are at 6.12%, First-Time Homebuyer Mortgage - 5/5 ARM rates are at 6.62%, Mortgages for Professionals - 25-Year Fixed rates are at 6.62%, Mortgages for Professionals - 30-Year Fixed rates are at 6.88%. 1st Advantage Federal Credit Union's Personal Loan Rates are as low as 8.74%. 1st Advantage Federal Credit Union's Credit Card Rates are at 11.50%. 1st Advantage Federal Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of 1st Advantage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.89%. Rates last updated and verified on 10/28/2026.
1st Advantage Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Advantage Federal Credit Union? Share your experience about 1st Advantage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Advantage Federal Credit Union.
1st Advantage Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
1st Advantage Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.89%
ExcellentLower than avg
1st Advantage Federal Credit Union Texas Ratio
1st Advantage Federal Credit Union's Texas Ratio is 1.89%, which is considered excellent and is lower than the national average of 6.13%.
1st Advantage Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.06% to 1.89% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
1st Advantage Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Share Certificate - 8 Month
3.941%
4.00%
8 Month
Min Deposit$500
Details4.00% APY requires direct deposit to any 1st Advantage checking account; without direct deposit rate is 3.75% APY; Additional offers may not be combined; Special certificate; Effective Date: 7/28/2026
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
IRA Certificate - 11 Month
3.796%
3.85%
11 Month
Min Deposit$500
DetailsIRA Certificate; Special certificate; Effective Date: 7/28/2026
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
No change since Oct 15, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Business CD Rates
Product
Rate
APY
Term
View More
Business Share Certificate - 8 Month
3.941%
4.00%
8 Month
Min Deposit$500
DetailsDirect deposit to any 1st Advantage checking account required for 4.00% APY; if no direct deposit, 3.75% APY; additional offers may not be combined
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate - 4 Month
3.455%
3.50%
4 Month
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate - 11 Month
2.82%
2.85%
11 Month
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 2.85% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate - 24 Month
2.722%
2.75%
24 Month
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate - 36 Month
2.722%
2.75%
36 Month
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate - 48 Month
2.722%
2.75%
48 Month
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate - 55 Month
2.722%
2.75%
55 Month
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate - 60 Month
2.722%
2.75%
60 Month
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate - 40 Month
1.99%
2.00%
40 Month
Min Deposit$5,000
DetailsMember has option to bump up rate one time during term
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate - 6 Month
1.195%
1.20%
6 Month
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 1.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate - 12 Month
0.996%
1.00%
12 Month
Min Deposit$500
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Savings Rates
Product
Rate
APY
View More
High-Yield Savings
1.982%
1.982%
Min Deposit$0
Min Balance$100
DetailsPublished rate range: up to 1.982%. Qualifying balance up to $50,000.00; 0.05% APY on balances over $50,000; Compounded monthly; Limit one High-Yield Savings account per member; Average Daily Balance required to earn dividends: $100
Last Updated10/28/2026
Rate History
2 changes since Sep 25, 2026 · 1.98% → 1.98% ▼ 0.00 pts · high 2.00% / low 1.98%
Oct 23, 20261.98%▼ from 2.00%
Oct 15, 20262.00%▲ from 1.98%
Sep 25, 20261.98%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Basic Savings
0.05%
0.05%
Min Deposit$0
Min Balance$100
DetailsCompounded quarterly; Average Daily Balance required to earn dividends: $100
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Membership Savings
0.05%
0.05%
Min Deposit$5
Min Balance$100
DetailsCompounded quarterly; Average Daily Balance required to earn dividends: $100
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Business Savings Rates
Product
Rate
APY
View More
High-Yield Business Savings
1.982%
1.982%
Min Deposit$0
Min Balance$100
DetailsPublished rate range: up to 1.982%. Qualifying balance up to $50,000.00 (0.05% APY on balances over $50,000); Compounded/Credited: Monthly; Min. to Earn APY: $100; Limit one High-Yield Savings account per member
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 1.98% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Regular Business Savings
0.05%
0.05%
Min Deposit$5
Min Balance$100
DetailsCompounded/Credited: Quarterly/Quarterly; Min. to Earn APY: $100
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Performance Plus Money Market
3.928%
4.00%
Min Balance$1,000,000
DetailsBalance: 1,000,000 and Up
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Performance Plus Money Market
3.203%
3.25%
Min Balance$500,000
DetailsBalance: $500,000.00 - $999,999.99
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Performance Plus Money Market
2.276%
2.30%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 2.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Performance Plus Money Market
1.982%
2.00%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Performance Plus Money Market
1.094%
1.10%
Min Balance$50,000
DetailsBalance: $50,000 - $74,999.99
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 1.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Performance Plus Money Market
1.094%
1.10%
Min Balance$75,000
DetailsBalance: $75,000.00 - $99,999.99
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 1.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Performance Plus Money Market
0.995%
1.00%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49.999.99
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Performance Plus Money Market
0.00%
0.00%
Min Balance$0
DetailsBalance: $0 - $24,999.99
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Performance Plus Money Market Account
3.928%
4.00%
Min Balance$1,000,000
DetailsBalance: $1,000,000 and up; Dividends compounded monthly
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
No change since Sep 12, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Checking Rates
Product
Rate
APY
View More
High-Yield Checking
3.928%
3.928%
DetailsPublished rate range: up to 3.928%. Qualifications Required; Qualified balance up to $7,500.00; Compounded/Credited: Monthly
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 3.93% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Preferred Checking
0.05%
0.05%
Min Balance$250
DetailsCompounded/Credited: Quarterly
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Premier Checking
0.05%
0.05%
Min Balance$100
DetailsCompounded/Credited: Quarterly
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Business Checking Rates
Product
Rate
APY
View More
High-Yield Business Checking
3.928%
3.928%
DetailsPublished rate range: up to 3.928%. Qualifications Required: 10 or more posted Debit Card transactions (excluding ATM transactions) per month; eStatements; Qualifying Requirements Met; Qualifying balance up to $7,500.00; Compounded/Credited: Monthly; Balances over $7,500.00 earn 0.05% APY; Non-qualified accounts earn 0.05% APY
Last Updated10/28/2026
Rate History
2 changes since Oct 4, 2026 · 3.93% → 3.93% ▼ 0.00 pts · high 4.00% / low 3.93%
Oct 15, 20263.93%▼ from 4.00%
Oct 12, 20264.00%▲ from 3.93%
Oct 4, 20263.93%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Non-Profit Business Checking
0.05%
0.05%
Min Balance$1,000
DetailsCompounded/Credited: Quarterly/Quarterly
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Premier Business Checking
0.05%
0.05%
Min Balance$2,500
DetailsCompounded/Credited: Quarterly/Quarterly
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgages for Professionals - 5/5 ARM
6.125%
-
6.565%
5/5 ARM
DetailsRate (as low as); Fixed 6.125% / 6.565% APR for the first five years, then adjusts; Medical professionals; credit score 670 or better; Up to 100% LTV for purchases; Loan amount $100,000 - $1,500,000
Last Updated10/28/2026
Rate History
No change since Oct 28, 2026 · 6.57% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
First-Time Homebuyer Mortgage - 5/5 ARM
6.625%
-
6.741%
DetailsAs Low As; Fixed rate 6.625%/6.741% APR for the first five years, then adjusts up or down every five years; Up to 100% LTV for purchases; Minimum loan $50,000, maximum loan $832,750; First-time homebuyers only; credit score 640 or better; Automatic payment set-up required; first-time homebuyer course required
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 6.36% → 6.74% ▲ 0.38 pts · high 6.74% / low 6.36%
Oct 28, 20266.74%▲ from 6.36%
Oct 12, 20266.36%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Mortgages for Professionals - 25-Year Fixed
6.625%
-
6.815%
25-Year
DetailsRate (as low as); Medical professionals; credit score 670 or better; Up to 100% LTV for purchases; Loan amount $100,000 - $1,500,000
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.82% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Mortgages for Professionals - 30-Year Fixed
6.875%
-
7.047%
30-Year
DetailsRate (as low as); Medical professionals; credit score 670 or better; Up to 100% LTV for purchases; Loan amount $100,000 - $1,500,000
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 7.05% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan - 5 years
-
-
6.49%
5 years
DetailsAPR as low as; Assumes great credit, first lien position and <80% loan to value; No closing costs for new loans of $250,000 or less
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loan - 10 years
-
-
6.70%
10 years
DetailsAPR as low as; Assumes great credit, first lien position and <80% loan to value; No closing costs for new loans of $250,000 or less
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.70% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loan - 15 years
-
-
6.74%
15 years
DetailsAPR as low as; Assumes great credit, first lien position and <80% loan to value; No closing costs for new loans of $250,000 or less
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loan - 20 years
-
-
6.99%
20 years
DetailsAPR as low as; Assumes great credit, first lien position and <80% loan to value; No closing costs for new loans of $250,000 or less
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 6.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loans (Models 2024 and Newer)
-
-
4.74%
Up to 48 months
DetailsAPR includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 4.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Used Auto Loan
-
-
4.74%
Up to 48 months
DetailsAs Low As; Rate depends on model year; Listed rate includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 4.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New Auto Loans (Models 2024 and Newer)
-
-
4.99%
Up to 60 months
DetailsAPR includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Used Auto Loan
-
-
4.99%
Up to 60 months
DetailsAs Low As; Rate depends on model year; Listed rate includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New Auto Loans (Models 2024 and Newer)
-
-
5.24%
Up to 66 months
DetailsAPR includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 5.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New Auto Loans (Models 2024 and Newer)
-
-
5.24%
Up to 75 months
DetailsAPR includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
1 change since Sep 20, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
Oct 15, 20265.24%▲ from 4.99%
Sep 20, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Used Auto Loan
-
-
5.24%
Up to 66 months
DetailsAs Low As; Rate depends on model year; Listed rate includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 5.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Used Auto Loan
-
-
5.24%
Up to 75 months
DetailsAs Low As; Rate depends on model year; Listed rate includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
1 change since Sep 20, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
Oct 23, 20265.24%▲ from 4.99%
Sep 20, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New Auto Loans (Models 2024 and Newer)
-
-
6.24%
Up to 84 months
DetailsAPR includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
1 change since Sep 20, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
Oct 15, 20266.24%▲ from 5.99%
Sep 20, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Used Auto Loan
-
-
6.24%
Up to 84 months
DetailsAs Low As; Rate depends on model year; Listed rate includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
1 change since Sep 12, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
Oct 23, 20266.24%▲ from 5.99%
Sep 12, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New Auto Loans (Models 2024 and Newer)
-
-
9.99%
Up to 96 months
DetailsAPR includes .25% autopay discount and .25% discount for B+ and higher credit scores with 80% LTV; 4.74% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 9.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boat Loans (New and Used)
-
6.24%
Up to 48 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 6.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loan
-
6.24%
Up to 48 months
DetailsAPR as of 10/13/2026; Regardless of available discounts, 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New & Used ATV Loans
-
6.24%
Up to 48 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 6.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan
-
6.24%
Up to 48 months
DetailsAll Recreational Vehicle loans require a minimum 20% cash down payment; 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 6.24% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat Loans (New and Used)
-
6.49%
Up to 60 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 6.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loan
-
6.49%
Up to 60 months
DetailsAPR as of 10/13/2026; Regardless of available discounts, 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New & Used ATV Loans
-
6.49%
Up to 60 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 6.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan
-
6.49%
Up to 60 months
DetailsAll Recreational Vehicle loans require a minimum 20% cash down payment; 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 6.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat Loans (New and Used)
-
6.74%
Up to 66 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 6.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat Loans (New and Used)
-
6.74%
Up to 75 months
No additional details.
Last Updated10/28/2026
Rate History
1 change since Sep 20, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49%
Oct 23, 20266.74%▲ from 6.49%
Sep 20, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loan
-
6.74%
Up to 66 months
DetailsAPR as of 10/13/2026; Regardless of available discounts, 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loan
-
6.74%
Up to 75 months
DetailsAPR as of 10/13/2026; Regardless of available discounts, 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49%
Oct 15, 20266.74%▲ from 6.49%
Oct 12, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New & Used ATV Loans
-
6.74%
Up to 66 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 6.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New & Used ATV Loans
-
6.74%
Up to 75 months
No additional details.
Last Updated10/28/2026
Rate History
1 change since Sep 20, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49%
Oct 15, 20266.74%▲ from 6.49%
Sep 20, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan
-
6.74%
Up to 66 months
DetailsAll Recreational Vehicle loans require a minimum 20% cash down payment; 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 6.74% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan
-
6.74%
Up to 75 months
DetailsAll Recreational Vehicle loans require a minimum 20% cash down payment; 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
1 change since Sep 20, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49%
Oct 15, 20266.74%▲ from 6.49%
Sep 20, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat Loans (New and Used)
-
7.74%
Up to 84 months
No additional details.
Last Updated10/28/2026
Rate History
1 change since Sep 20, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49%
Oct 23, 20267.74%▲ from 7.49%
Sep 20, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loan
-
7.74%
Up to 84 months
DetailsAPR as of 10/13/2026; Regardless of available discounts, 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
1 change since Oct 12, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49%
Oct 15, 20267.74%▲ from 7.49%
Oct 12, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New & Used ATV Loans
-
7.74%
Up to 84 months
No additional details.
Last Updated10/28/2026
Rate History
1 change since Sep 20, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49%
Oct 15, 20267.74%▲ from 7.49%
Sep 20, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan
-
7.74%
Up to 84 months
DetailsAll Recreational Vehicle loans require a minimum 20% cash down payment; 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
1 change since Sep 12, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49%
Oct 15, 20267.74%▲ from 7.49%
Sep 12, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat Loans (New and Used)
-
11.49%
Up to 96 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 11.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loan
-
11.49%
Up to 96 months
DetailsAPR as of 10/13/2026; Regardless of available discounts, 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 11.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New & Used ATV Loans
-
11.49%
Up to 96 months
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 20, 2026 · 11.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan
-
11.49%
Up to 96 months
DetailsAll Recreational Vehicle loans require a minimum 20% cash down payment; 6.24% is the minimum APR offered
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 11.49% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Standard Mastercard
-
11.50%
DetailsAs Low As; Rewards: No; Annual Fee:; Purchase balance method: Average Daily Balance; APR is variable, ranges 11.50% to 17.95% as of 10/13/2026
Last Updated10/28/2026
Rate History
1 change since Sep 12, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25%
Sep 25, 202611.50%▲ from 11.25%
Sep 12, 202611.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Rewards Mastercard
-
13.90%
DetailsAs Low As; Rewards: Yes; Annual Fee:; Purchase balance method: Average Daily Balance; APR is variable, ranges 11.50% to 17.95% as of 10/13/2026
Last Updated10/28/2026
Rate History
1 change since Sep 12, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65%
Sep 25, 202613.90%▲ from 13.65%
Sep 12, 202613.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
World Mastercard
-
16.74%
DetailsAs Low As; Rewards: Yes; Annual Fee:; Purchase balance method: Average Daily Balance; APR is variable, ranges 11.50% to 17.95% as of 10/13/2026
Last Updated10/28/2026
Rate History
1 change since Sep 12, 2026 · 16.49% → 16.74% ▲ 0.25 pts · high 16.74% / low 16.49%
Sep 25, 202616.74%▲ from 16.49%
Sep 12, 202616.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Fixed Term Signature Loan Debt Consolidation Special
8.74%
36 months
DetailsAs Low As; Limited time offer; Loan amounts $500 - $20,000 based on creditworthiness; Credit score 720+ up to $20,000, 700-719 up to $15,000, 670-699 up to $10,000; Minimum credit score 670; Proceeds used for debt consolidation only and paid directly to creditors
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 8.74% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Fixed Term Signature Loan
11.49%
DetailsAs Low As; Loan amounts $500 and up; APR* - Rate based on creditworthiness and term of the loan
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 11.49% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
1st Advantage Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Credit Builder Loan
-
-
6.25%
6 to 12 months
DetailsAs Low As; Loan amounts $500 - $1,000; Funds used to create a share certificate; Rate is share certificate rate plus 6%; Member account must be in good standing for last 90 days; Auto-pay required
Last Updated10/28/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Flex Line of Credit
-
-
17.95%
DetailsAs Low As; Loan amounts $500 and up; APR* - Rate based on creditworthiness and term of the loan
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 17.95% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Escrow
0.05%
-
0.05%
Min Balance$100
DetailsCompounded quarterly; Average Daily Balance required to earn dividends: $100
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
IRA Variable
0.25%
-
0.25%
Min Balance$100
DetailsCompounded quarterly; Average Daily Balance required to earn dividends: $100
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Youth
0.05%
-
0.05%
Min Deposit$5
Min Balance$100
DetailsCompounded quarterly; Average Daily Balance required to earn dividends: $100
Last Updated10/28/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Financial Health History
1st Advantage Federal Credit Union’s Texas Ratio fell from 3.06% in Q3 2023 to 1.89% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.1B
1.89%
5.0
A+
March 31, 2026
$1.1B
1.85%
5.0
A+
December 31, 2025
$1.1B
2.92%
5.0
A+
September 30, 2025
$1.0B
2.69%
5.0
A+
June 30, 2025
$1.0B
2.38%
5.0
A+
March 31, 2025
$1.0B
2.91%
5.0
A+
December 31, 2024
$1.0B
2.67%
5.0
A+
September 30, 2024
$1.0B
2.43%
5.0
A+
June 30, 2024
$997M
2.46%
5.0
A+
March 31, 2024
$1.0B
2.93%
5.0
A+
December 31, 2023
$981M
3.26%
5.0
A+
September 30, 2023
$961M
3.06%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for 1st Advantage Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather 1st Advantage Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with 1st Advantage Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name1st Advantage Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
43,378,746
Total Uninsured Shares and Deposits > $250K (F+J)
43,378,746
Total Insured Shares and Deposits > $250K (item 17 less item K)
852,291,987
Total Interest Expense (Sum of items 6 8)
4,428,891
Share Certificates
7,050
Number of Accounts for Share Drafts
49,430
IRA KEOGH Accounts
1,989
Number of Accounts for Regular Shares
79,160
All other shares
3
Money Market Shares
4,032
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
103,762,081
Total Liabilities
911,347,127
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
1st Advantage Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for 1st Advantage Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for 1st Advantage Federal Credit Union
Frequently Asked Questions About 1st Advantage Federal Credit Union
Does 1st Advantage Federal Credit Union offer CDs?
Yes. 1st Advantage Federal Credit Union current CD rates include its CD - 8 Month at 4.00% APY, its CD - 4 Month at 3.50% APY and its CD - 11 Month at 2.85% APY, verified by MonitorBankRates as of October 28, 2026.
Are CDs from 1st Advantage Federal Credit Union NCUA insured?
Yes. 1st Advantage Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at 1st Advantage Federal Credit Union?
The highest 1st Advantage Federal Credit Union CD rate is its Business CD - 8 Month at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.
What CD terms does 1st Advantage Federal Credit Union offer?
1st Advantage Federal Credit Union CD rates are 3.50% APY for a 4 month CD, 4.00% APY for an 8 month CD, 2.85% APY for an 11 month CD, 1.00% APY for a 12 month CD, 2.75% APY for a 2 year CD, 2.75% APY for a 3 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with 1st Advantage Federal Credit Union for its full lineup.
What is the highest savings rate at 1st Advantage Federal Credit Union?
The highest 1st Advantage Federal Credit Union savings rate is its High-Yield Business Savings at 1.982% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest money market rate at 1st Advantage Federal Credit Union?
The highest 1st Advantage Federal Credit Union money market rate is its Business Performance Plus Money Market Account at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest checking rate at 1st Advantage Federal Credit Union?
The highest 1st Advantage Federal Credit Union checking rate is its High-Yield Business Checking at 3.928% APY, verified by MonitorBankRates as of October 28, 2026.
What is the lowest 30 year fixed mortgage rate at 1st Advantage Federal Credit Union?
The lowest 1st Advantage Federal Credit Union 30 year fixed mortgage rate is its Mortgages for Professionals - 30-Year Fixed at 6.875%, verified by MonitorBankRates as of October 28, 2026. 1st Advantage Federal Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.625% for a 25 year mortgage and 6.125% for a 5/5 ARM.
What is the lowest auto loan rate at 1st Advantage Federal Credit Union?
The lowest 1st Advantage Federal Credit Union auto loan rate is its New Auto Loans (Models 2024 and Newer) at 4.74% APR, verified by MonitorBankRates as of October 28, 2026.
What is the lowest personal loan rate at 1st Advantage Federal Credit Union?
The lowest 1st Advantage Federal Credit Union personal loan rate is its Fixed Term Signature Loan Debt Consolidation Special at 8.74% APR, verified by MonitorBankRates as of October 28, 2026.
What is the lowest credit card APR at 1st Advantage Federal Credit Union?
The lowest 1st Advantage Federal Credit Union credit card APR is its Standard Mastercard Credit Card at 11.50% APR, verified by MonitorBankRates as of October 28, 2026.
How many branches does 1st Advantage Federal Credit Union operate?
1st Advantage Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join 1st Advantage Federal Credit Union?
Yes, to access services at 1st Advantage Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, 1st Advantage Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, 1st Advantage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does 1st Advantage Federal Credit Union offer online and mobile banking?
Most modern institutions like 1st Advantage Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stadvantage.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do 1st Advantage Federal Credit Union rates compare?
1st Advantage Federal Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A+ health rating. 1st Advantage Federal Credit Union's top rates are its Business CD - 8 Month at 4.00% APY, its High-Yield Business Savings at 1.982% APY, its Business Performance Plus Money Market Account at 4.00% APY, its High-Yield Business Checking at 3.928% APY, its Mortgages for Professionals - 5/5 ARM at 6.125%, its Fixed Term Signature Loan Debt Consolidation Special at 8.74% APR and its Standard Mastercard Credit Card at 11.50% APR, verified by MonitorBankRates on October 28, 2026.
Current 1st Advantage Federal Credit Union Rates
12-Month CD1.00%
24-Month CD2.75%
60-Month CD2.75%
Savings1.98%
MMA4.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
