What are the current interest rates at 1st Advantage Federal Credit Union?

Current rates for 1st Advantage Federal Credit Union include: 12-Month CD: 1.00%, 24-Month CD: 2.75%, 60-Month CD: 2.75%, Savings: 0.05%, MMA: 1.00%

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1st Advantage Federal Credit Union

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1st Advantage Federal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

1st Advantage Federal Credit Union's 8 Month Share & IRA CD Accounts rates are at 4.00%, Business CD - 8 Month rates are at 4.00%, 11 Month Share & IRA CD Accounts rates are at 3.85%, Business CD - 11 Month IRA rates are at 3.85%, Business CD - 4 Month rates are at 3.50%. 1st Advantage Federal Credit Union's savings rates are at 0.05%. 1st Advantage Federal Credit Union's money market rates are at 1.00%. 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 11.25%. 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 1.85%. Rates last updated and verified on 09/20/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.85%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

1st Advantage Federal Credit Union
1A Plaza, Kiln Creek Branch

110 Cybernetics Way
Yorktown, VA 23693

https://www.1stadvantage.org

1st Advantage Federal Credit Union CD Rates

Product	Rate	APY	Term
8 Month Share & IRA Certificate Accounts	3.94%	4.00%	8 Month
Min Deposit $500 Min Balance $500 Details Qualifications Required: direct deposit to any 1st Advantage checking account; ***To qualify for 8-month certificate rate of 4.00% APY, member must have direct deposit to any 1st Advantage checking account. If no direct deposit, rate is 3.75% APY. Additional offers may not be combined. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 8 Month	3.94%	4.00%	8 Month
Min Deposit $500 Min Balance $500 Details To qualify for 8-month certificate rate of 4.00% APY, member must have direct deposit to any 1st Advantage checking account. If no direct deposit, rate is 3.75% APY. Additional offers may not be combined. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
11 Month Share & IRA Certificate Accounts	3.80%	3.85%	11 Month IRA
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 11 Month IRA	3.80%	3.85%	11 Month IRA
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 4 Month	3.46%	3.50%	4 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
11 Month Share & IRA Certificate Accounts	2.82%	2.85%	11 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 11 Month	2.82%	2.85%	11 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
24 Month Share & IRA Certificate Accounts	2.72%	2.75%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
36 Month Share & IRA Certificate Accounts	2.72%	2.75%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
48 Month Share & IRA Certificate Accounts	2.72%	2.75%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
60 Month Share & IRA Certificate Accounts	2.72%	2.75%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 24 Month	2.72%	2.75%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 36 Month	2.72%	2.75%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 48 Month	2.72%	2.75%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 55 Month	2.72%	2.75%	55 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 60 Month	2.72%	2.75%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
40 Month Share & IRA Certificate Accounts	1.99%	2.00%	40 Month
Min Deposit $5,000 Min Balance $5,000 Details *Member has option to bump up rate one time during term. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 40 Month	1.99%	2.00%	40 Month
Min Deposit $5,000 Min Balance $5,000 Details Member has option to bump up rate one (1) time during term. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 6 Month	1.20%	1.20%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
12 Month Share & IRA Certificate Accounts	1.00%	1.00%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Share Certificate - 12 Month	1.00%	1.00%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%

1st Advantage Federal Credit Union Savings Rates

Product	Rate	APY
Basic Savings	0.05%	0.05%
Min Deposit $0 Min Balance $100 Details Compounded/Credited: Quarterly Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Membership Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Compounded/Credited: Quarterly Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Regular Business Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Compounded/Credited: Quarterly/Quarterly Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%

1st Advantage Federal Credit Union Money Market Rates

Product	Rate	APY
Business Performance Plus Money Market Account	3.93%	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Performance Plus Money Market	3.93%	4.00%
Min Balance $1,000,000 Details Balance: 1,000,000 and Up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Performance Plus Money Market Account	3.20%	3.25%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Performance Plus Money Market	3.20%	3.25%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Money Market Account	-	3.00%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Performance Plus Money Market Account	2.28%	2.30%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Performance Plus Money Market	2.28%	2.30%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Performance Plus Money Market Account	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Performance Plus Money Market	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Performance Plus Money Market Account	1.09%	1.10%
Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Performance Plus Money Market Account	1.09%	1.10%
Min Balance $75,000 Details Balance: $75,000.00 - $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Performance Plus Money Market	1.09%	1.10%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Performance Plus Money Market	1.09%	1.10%
Min Balance $75,000 Details Balance: $75,000.00 - $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Business Performance Plus Money Market Account	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Performance Plus Money Market	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49.999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%

1st Advantage Federal Credit Union Checking Rates

Product	Rate	APY
Non-Profit Business Checking	0.05%	0.05%
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Preferred Checking	0.05%	0.05%
Min Balance $250 Details Compounded/Credited: Quarterly Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Premier Business Checking	0.05%	0.05%
Min Balance $2,500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Premier Checking	0.05%	0.05%
Min Balance $100 Details Compounded/Credited: Quarterly Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%

1st Advantage Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	6.49%	5 years
Details As low as; If loan is in second lien position and is greater than 80% loan to value, add 1% to the above rate for each term. Other terms available and rates will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. No closing costs, excluding appraisal fee if required, for new loans of $250,000 or less. If you close your loan within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. If used for home purchase, loan must be in second position and is excluded from no closing costs. Property insurance is required, flood insurance may be required. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Home Equity Loans	-	-	6.70%	10 years
Details As low as; If loan is in second lien position and is greater than 80% loan to value, add 1% to the above rate for each term. Other terms available and rates will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. No closing costs, excluding appraisal fee if required, for new loans of $250,000 or less. If you close your loan within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. If used for home purchase, loan must be in second position and is excluded from no closing costs. Property insurance is required, flood insurance may be required. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Home Equity Loans	-	-	6.74%	15 years
Details As low as; If loan is in second lien position and is greater than 80% loan to value, add 1% to the above rate for each term. Other terms available and rates will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. No closing costs, excluding appraisal fee if required, for new loans of $250,000 or less. If you close your loan within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. If used for home purchase, loan must be in second position and is excluded from no closing costs. Property insurance is required, flood insurance may be required. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Home Equity Loans	-	-	6.99%	20 years
Details As low as; If loan is in second lien position and is greater than 80% loan to value, add 1% to the above rate for each term. Other terms available and rates will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. No closing costs, excluding appraisal fee if required, for new loans of $250,000 or less. If you close your loan within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. If used for home purchase, loan must be in second position and is excluded from no closing costs. Property insurance is required, flood insurance may be required. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%

1st Advantage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans (Models 2024 and Newer)	-	-	4.74%	Up to 48 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Used Auto Loans	-	-	4.74%	Up to 48 months
Details APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New Auto Loans (Models 2024 and Newer)	-	-	4.99%	Up to 60 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New Auto Loans (Models 2024 and Newer)	-	-	4.99%	Up to 75 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Used Auto Loans	-	-	4.99%	Up to 60 months
Details APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Used Auto Loans	-	-	4.99%	Up to 75 months
Details APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New Auto Loans (Models 2024 and Newer)	-	-	5.24%	Up to 66 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Used Auto Loans	-	-	5.24%	Up to 66 months
Details APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New Auto Loans (Models 2024 and Newer)	-	-	5.99%	Up to 84 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Used Auto Loans	-	-	5.99%	Up to 84 months
Details APR = Annual Percentage Rate. Current APR as of 5/26/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New Auto Loans (Models 2024 and Newer)	-	-	9.99%	Up to 96 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%

1st Advantage Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans (New and Used)	-	6.24%	Up to 48 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New & Used ATV Loans	-	6.24%	Up to 48 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
RV Loan	-	6.24%	Up to 48 months
Details Listed Auto Loan rates include .25% discount with auto pay setup & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. All Recreational Vehicle loans require a minimum 20% cash down payment. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Boat Loans (New and Used)	-	6.49%	Up to 60 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Boat Loans (New and Used)	-	6.49%	Up to 75 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New & Used ATV Loans	-	6.49%	Up to 60 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New & Used ATV Loans	-	6.49%	Up to 75 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
RV Loan	-	6.49%	Up to 60 months
Details Listed Auto Loan rates include .25% discount with auto pay setup & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. All Recreational Vehicle loans require a minimum 20% cash down payment. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
RV Loan	-	6.49%	Up to 75 months
Details Listed Auto Loan rates include .25% discount with auto pay setup & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. All Recreational Vehicle loans require a minimum 20% cash down payment. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Boat Loans (New and Used)	-	6.74%	Up to 66 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New & Used ATV Loans	-	6.74%	Up to 66 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
RV Loan	-	6.74%	Up to 66 months
Details Listed Auto Loan rates include .25% discount with auto pay setup & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. All Recreational Vehicle loans require a minimum 20% cash down payment. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Boat Loans (New and Used)	-	7.49%	Up to 84 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New & Used ATV Loans	-	7.49%	Up to 84 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
RV Loan	-	7.49%	Up to 84 months
Details Listed Auto Loan rates include .25% discount with auto pay setup & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. All Recreational Vehicle loans require a minimum 20% cash down payment. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Boat Loans (New and Used)	-	11.49%	Up to 96 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
New & Used ATV Loans	-	11.49%	Up to 96 months
Details Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
RV Loan	-	11.49%	Up to 96 months
Details Listed Auto Loan rates include .25% discount with auto pay setup & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.24% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. All Recreational Vehicle loans require a minimum 20% cash down payment. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%

1st Advantage Federal Credit Union Credit Card Rates

Product	Rate	APR
Standard Mastercard	-	11.25%
Details As Low As; Average Daily Balance; Annual Fee: ; Rewards?; No Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Rewards Mastercard	-	13.65%
Details As Low As; Average Daily Balance; Annual Fee: ; Rewards?; Yes Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
World Mastercard	-	16.49%
Details As Low As; Average Daily Balance; Annual Fee: ; Rewards?; Yes Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%

1st Advantage Federal Credit Union Personal Loan Rates

Product	APR	Term
Fixed Term Signature Loan Debt Consolidation Special	8.74%	36 months
Details Limited time offer; As Low As; Rates as low as 8.74% APR are available for a term of up to 36 months. Loan amounts range from $500 to $20,000, based on creditworthiness. Members with a credit score of 720 or higher may qualify for up to $20,000; scores of 700-719 may qualify for up to $15,000; and scores of 670-699 may qualify for up to $10,000. A minimum credit score of 670 is required to apply. All loans are subject to credit approval, underwriting guidelines, and membership eligibility requirements. Loan proceeds must be used for debt consolidation purposes only and will be disbursed directly to creditors as specified by the borrower; no funds will be paid directly to the borrower. Rate, terms, and offer are subject to change without notice. This is a limited-time offer and may be withdrawn at any time. Other restrictions may apply. Contact 1st Advantage Federal Credit Union for complete details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Fixed Term Signature Loan	11.49%
Details As Low As; $500 and up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%

1st Advantage Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Credit Builder Loan	-	-	6.25%
Details As Low As; Loan amounts between $500 to $1,000. The proceeds of the loan will be the funds used to create the share certificate. Member account must be in good standing for the last 90 days in order to qualify for the loan. "Good standing" is defined as no returned items and proper use of overdraft facilities. the term of the loan must range from 6 to 12 months. Auto-pay required. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Flex Line of Credit	-	-	17.95%
Details As Low As; $500 and up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Escrow	0.05%	-	0.05%
Min Balance $100 Details Compounded/Credited: Quarterly Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
IRA Variable	0.25%	-	0.25%
Min Balance $100 Details Compounded/Credited: Quarterly Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%
Youth	0.05%	-	0.05%
Min Deposit $5 Min Balance $100 Details Compounded/Credited: Quarterly Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.85%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

1st Advantage Federal Credit Union’s Texas Ratio fell from 3.05% in Q2 2023 to 1.85% in Q1 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
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+
June 30, 2023	$950M	3.05%	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 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 220

Part-Time Employees 2

Branch Locations 12

ATM Locations 12

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.85%

Return on Assets (ROA)

0.4212%

Return on Equity (ROE)

2.5825%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

1,080,231,309

Total Amount of Shares and Deposits

893,671,538

Total Shares and Deposits < 1 Year

884,669,579

Total Shares and Deposits 1 3 Years

7,816,498

Total Shares and Deposits > 3 Years

1,185,461

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

37,833,971

Total Uninsured Shares and Deposits > $250K (F+J)

37,833,971

Total Insured Shares and Deposits > $250K (item 17 less item K)

855,837,567

Total Interest Expense (Sum of items 6 8)

2,202,622

Share Certificates

7,222

Number of Accounts for Share Drafts

49,137

IRA KEOGH Accounts

2,051

Number of Accounts for Regular Shares

78,661

All other shares

Money Market Shares

4,085

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)

117,296,609

Total Liabilities

907,971,346

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

1st Advantage Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About 1st Advantage Federal Credit Union

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.

Current 1st Advantage Federal Credit Union Rates

12-Month CD1.00%
24-Month CD2.75%
60-Month CD2.75%
Savings0.05%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

1st Advantage Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

1st Advantage Federal Credit Union Texas Ratio

1st Advantage Federal Credit Union Health Trend

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 Home Equity & HELOC

1st Advantage Federal Credit Union Auto Loan Rates

1st Advantage Federal Credit Union RV, Boat and Powersport Loan Rates

1st Advantage Federal Credit Union Credit Card Rates

1st Advantage Federal Credit Union Personal Loan Rates

1st Advantage Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

1st Advantage Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 1st Advantage Federal Credit Union

How many branches does 1st Advantage Federal Credit Union operate?

Is a member application needed to join 1st Advantage Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 1st Advantage Federal Credit Union offer online and mobile banking?

Current 1st Advantage Federal Credit Union Rates

Compare to Other Credit Unions