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iAdvertiser Disclosure
Advertiser Disclosure
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 1st Advantage Federal Credit Union Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: May 6, 2026
1st Advantage Federal Credit Union's 4 Month CD rates are at 3.80%, Business CDs 4 Month rates are at 3.80%, Business CDs 8 Month rates are at 3.50%, Business CDs 11 Month rates are at 2.85%, Business CDs 24 Month rates are at 2.75%. 1st Advantage Federal Credit Union's savings rates are at 0.05%. 1st Advantage Federal Credit Union's money market rates are at 0.00%. 1st Advantage Federal Credit Union's Mortgages for Professionals 5/5 ARM rates are at 5.12%, First-Time Homebuyer Mortgage 5/5 ARM rates are at 5.38%, Mortgages for Professionals 25-Year Fixed rates are at 5.75%, Mortgages for Professionals 30-Year Fixed rates are at 6.00%. 1st Advantage Federal Credit Union's Personal Loan Rates are at 8.74%. 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 2.79%. Rates were last updated on 05/06/2026. 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
1A Plaza Kiln Creek Branch 110 Cybernetics Way
https://www.1stadvantage.org Yorktown, VA 23693 
1st Advantage Federal Credit Union CD Rates
1st Advantage Federal Credit Union Savings Rates
1st Advantage Federal Credit Union Money Market Rates
1st Advantage Federal Credit Union Checking Rates
1st Advantage Federal Credit Union Mortgage Rates
1st Advantage Federal Credit Union Home Equity & HELOC
1st Advantage Federal Credit Union Auto Loan Rates
1st Advantage Federal Credit Union Credit Card Rates
1st Advantage Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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 Name
1st Advantage Federal Credit Union
Website
https://www.1stadvantage.org
Address
110 Cybernetics Way,
Yorktown, VA 23693
Phone
757-877-2444
Fax
757-886-3314
President
Sylvester McClellan
CEO
Paul Muse
Full-Time Employees
218
Part-Time Employees
2
Branch Locations
12
ATM Locations
13
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.79%
Return on Assets (ROA)
1.3765%
Return on Equity (ROE)
8.7000%
Non-Performing Loans Ratio (NPL)
0.59%
Total Assets
1,048,649,774
Total Amount of Shares and Deposits
869,528,441
Total Shares and Deposits < 1 Year
859,665,307
Total Shares and Deposits 1 3 Years
8,603,378
Total Shares and Deposits > 3 Years
1,259,755
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
40,736,616
Total Uninsured Shares and Deposits > $250K (F+J)
40,736,616
Total Insured Shares and Deposits > $250K (item 17 less item K)
828,791,825
Total Interest Expense (Sum of items 6 8)
6,728,526
Share Certificates
7,551
Number of Accounts for Share Drafts
48,498
IRA KEOGH Accounts
2,108
Number of Accounts for Regular Shares
78,899
All other shares
3
Money Market Shares
4,161
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
67,303,962
Total Liabilities
886,291,841
Source: NCUA — Last Updated 09/30/2025
Customer ReviewscnZS
December 17, 2025
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Frequently Asked Questions About 1st Advantage Federal Credit UnionHow 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. Current 1st Advantage Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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