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1st Advantage Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
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| iEditorial Disclosure
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 12, 2026

1st Advantage Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its Business CD - 8 Month, 1.98% APY on savings, 4.00% APY on money market accounts, 4.00% APY on checking, 5.88% on its First-Time Homebuyer Mortgage - 5/5 ARM, personal loans from 8.74% APR, and credit cards from 11.50% APR, according to rates verified by MonitorBankRates. Other 1st Advantage Federal Credit Union CD rates include Share & IRA CD Accounts - 8 Month at 4.00%, Business CD IRA - 11 Month at 3.85%, and Share & IRA CD Accounts - 11 Month IRA at 3.85%. Other 1st Advantage Federal Credit Union mortgage rates include Professional Mortgage Loans - 5/5 ARM at 5.88%, and 30-Year Fixed at 6.50%. 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 10/12/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 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 ?
1.89%
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
Member NCUA
Customer Reviews
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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 & IRA Certificate Accounts - 8 Month 3.941% 4.00% 8 Month
Min Deposit $500
Details Special certificate; 8-month term not available for IRA Certificates; 4.00% APY requires direct deposit to any 1st Advantage checking account, otherwise 3.75% APY; Additional offers may not be combined
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share & IRA Certificate Accounts - 11 Month IRA 3.796% 3.85% 11 Month
Min Deposit $500
Details IRA Certificate; Special certificate
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 12, 2026: 3.85% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share & IRA Certificate Accounts - 4 Month 3.455% 3.50% 4 Month
Min Deposit $500
Details Special certificate; 4-month term not available for IRA Certificates; Member has option to bump up rate one time during term
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share & IRA Certificate Accounts - 11 Month 2.82% 2.85% 11 Month
Min Deposit $500
Details Special certificate
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Sep 12, 2026: 2.85% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share & IRA Certificate Accounts - 24 Month 2.722% 2.75% 24 Month
Min Deposit $500
Details Standard certificate
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share & IRA Certificate Accounts - 36 Month 2.722% 2.75% 36 Month
Min Deposit $500
Details Standard certificate
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share & IRA Certificate Accounts - 48 Month 2.722% 2.75% 48 Month
Min Deposit $500
Details Standard certificate
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share & IRA Certificate Accounts - 60 Month 2.722% 2.75% 60 Month
Min Deposit $500
Details Standard certificate
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share & IRA Certificate Accounts - 40 Month 1.99% 2.00% 40 Month
Min Deposit $5,000
Details Special certificate; $5,000 minimum; Member has option to bump up rate one time during term
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share & IRA Certificate Accounts - 6 Month 1.195% 1.20% 6 Month
Min Deposit $500
Details Special certificate; 6-month term not available for IRA Certificates; Member has option to bump up rate one time during term
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Oct 4, 2026: 1.20% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share & IRA Certificate Accounts - 12 Month 0.996% 1.00% 12 Month
Min Deposit $500
Details Standard certificate
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
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
Details 4.00% APY requires direct deposit to any 1st Advantage checking account; otherwise 3.75% APY; additional offers may not be combined; $500 minimum balance to open; dividends compounded quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Share Certificate IRA - 11 Month 3.796% 3.85% 11 Month
Min Deposit $500
Details IRA certificate; dividend rate 3.796%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 12, 2026: 3.85% APYSep 12, 2026Oct 13, 2026
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
Details Dividend rate 3.455%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
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
Details Dividend rate 2.820%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Sep 12, 2026: 2.85% APYSep 12, 2026Oct 13, 2026
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
Details Dividend rate 2.722%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
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
Details Dividend rate 2.722%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
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
Details Dividend rate 2.722%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
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
Details Dividend rate 2.722%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
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
Details Dividend rate 2.722%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
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
Details Dividend rate 1.990%; $5,000 minimum balance to open; member has option to bump up rate one time during term; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 13, 2026
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
Details Dividend rate 1.195%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.20% APY · checked 2 times
0.70%1.20%1.70%Sep 12, 2026: 1.20% APYSep 12, 2026Oct 13, 2026
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
Details Dividend rate 0.996%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
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
Details Published rate range: up to 1.982%. Qualifying balance up to $50,000.00; balances over $50,000 earn 0.05% APY; Compounded/Credited: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 1.98% APY · checked 4 times
1.48%1.98%2.48%Sep 25, 2026: 1.98% APYSep 25, 2026Oct 13, 2026
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
Details Compounded/Credited: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
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
Details Compounded/Credited: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
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
Details Published rate range: up to 1.982%. Qualifying balance up to $50,000.00; Compounded/Credited: Monthly; Limit one (1) High-Yield Savings account per member; $100 minimum average daily balance to earn dividends
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 1.98% APY · checked 3 times
1.48%1.98%2.48%Oct 4, 2026: 1.98% APYOct 4, 2026Oct 13, 2026
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
Details Compounded/Credited: Quarterly/Quarterly; Min. to Earn APY: $100 minimum average daily balance
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
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
Details Balance: $1,000,000 and Up
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
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
Details Balance: $500,000.00 - $999,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
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
Details Balance: $250,000.00 - $499,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.30% APY · checked 6 times
1.80%2.30%2.80%Sep 12, 2026: 2.30% APYSep 12, 2026Oct 13, 2026
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
Details Balance: $100,000.00 - $249,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 13, 2026
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
Details Balance: $50,000 - $74,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.10% APY · checked 5 times
0.60%1.10%1.60%Sep 20, 2026: 1.10% APYSep 20, 2026Oct 13, 2026
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
Details Balance: $75,000.00 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.10% APY · checked 5 times
0.60%1.10%1.60%Sep 20, 2026: 1.10% APYSep 20, 2026Oct 13, 2026
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
Details Balance: $25,000.00 - $49.999.99
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
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 3.928% 4.00%
Min Balance $1,000,000
Details Balance: $1,000,000 and up; Average Daily Balance required to earn dividends
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Performance Plus Money Market 3.203% 3.25%
Min Balance $500,000
Details Balance: $500,000 - $999,999.99; Average Daily Balance required to earn dividends
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Performance Plus Money Market 2.276% 2.30%
Min Balance $250,000
Details Balance: $250,000 - $499,999.99; Average Daily Balance required to earn dividends
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.30% APY · checked 5 times
1.80%2.30%2.80%Sep 12, 2026: 2.30% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Performance Plus Money Market 1.982% 2.00%
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99; Average Daily Balance required to earn dividends
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Performance Plus Money Market 1.094% 1.10%
Min Balance $50,000
Details Balance: $50,000.00 - $74,999.99; Average Daily Balance required to earn dividends
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00%
0.50%1.05%1.60%Sep 12, 2026: 1.00% APYSep 20, 2026: 1.10% APYSep 12, 2026Oct 13, 2026
  • Sep 20, 20261.10%▲ from 1.00%
  • Sep 12, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Performance Plus Money Market 1.094% 1.10%
Min Balance $75,000
Details Balance: $75,000.00 - $99,999.99; Average Daily Balance required to earn dividends
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00%
0.50%1.05%1.60%Sep 12, 2026: 1.00% APYSep 20, 2026: 1.10% APYSep 12, 2026Oct 13, 2026
  • Sep 20, 20261.10%▲ from 1.00%
  • Sep 12, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Business Performance Plus Money Market 0.995% 1.00%
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99; Average Daily Balance required to earn dividends
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
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%
Min Balance $0
Details Published rate range: up to 3.928%. Qualifications Required; Balance: $0.00 - $7,500.00; Qualified accounts earn up to 4.00% APY on balances up to $7,500 and 0.05% APY on balances over $7,500; Non-Qualified accounts earn 0.05% APY; Compounded/Credited: Monthly; No minimum balance to open
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.93% APY · checked 4 times
3.43%3.93%4.43%Sep 25, 2026: 3.93% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Preferred Checking 0.05% 0.05%
Min Balance $250
Details Compounded/Credited: Quarterly; Opening Balance:; Average Daily Balance required to earn Dividends: $250
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Premier Checking 0.05% 0.05%
Min Balance $100
Details Compounded/Credited: Quarterly; Opening Balance:; Average Daily Balance required to earn Dividends: $100
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
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% 4.00%
Details Qualifications Required; Rates shown as up to 4.00% APY / up to 3.928% dividend; Qualifying balance up to $7,500.00; Non-qualified balances earn 0.05% APY; Compounded/Credited: Monthly
Last Updated 10/12/2026
Rate History
1 change since Oct 4, 2026 · 3.93% → 4.00% ▲ 0.07 pts · high 4.00% / low 3.93%
3.43%3.96%4.50%Oct 4, 2026: 3.93% APYOct 12, 2026: 4.00% APYOct 4, 2026Oct 13, 2026
  • 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
Details Compounded/Credited: Quarterly/Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Premier Business Checking 0.05% 0.05%
Min Balance $2,500
Details Compounded/Credited: Quarterly/Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
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
First-Time Homebuyer Mortgage - 5/5 ARM 5.875% - 6.362%
Details As Low As; Fixed for first 5 years, then adjusts up or down every 5 years; Minimum loan $50,000, maximum loan $832,750; Up to 100% LTV for purchases; First-time homebuyers only; Credit score 640 or better
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.36% APR
5.86%6.36%6.86%Oct 12, 2026: 6.36% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Professional Mortgage Loans - 5/5 ARM 5.875% - 6.389%
Details As Low As; Mortgage for medical professionals; fixed 5 years then adjusts every 5 years; min loan $100,000, max loan $1,500,000; up to 100% LTV for purchases
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.39% APR
5.89%6.39%6.89%Oct 12, 2026: 6.39% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
30-Year Fixed 6.50% - 6.717% 30 years
Details As Low As; Mortgage for medical professionals; min loan $100,000, max loan $1,500,000; up to 100% LTV for purchases
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.72% APR
6.22%6.72%7.22%Oct 12, 2026: 6.72% APROct 12, 2026Oct 13, 2026
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 Loans - - 6.49% 5 years
Details As Low As; Assumes great credit, loan in first lien position and <80% loan to value; second lien over 80% LTV adds 1% to rate; no closing costs for new loans of $250,000 or less
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 12, 2026: 6.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loans - - 6.70% 10 years
Details As Low As; Assumes great credit, loan in first lien position and <80% loan to value; second lien over 80% LTV adds 1% to rate; no closing costs for new loans of $250,000 or less
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.70% APR · checked 7 times
6.20%6.70%7.20%Sep 12, 2026: 6.70% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loans - - 6.74% 15 years
Details As Low As; Assumes great credit, loan in first lien position and <80% loan to value; second lien over 80% LTV adds 1% to rate; no closing costs for new loans of $250,000 or less
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.74% APR · checked 7 times
6.24%6.74%7.24%Sep 12, 2026: 6.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loans - - 6.99% 20 years
Details As Low As; Assumes great credit, loan in first lien position and <80% loan to value; second lien over 80% LTV adds 1% to rate; no closing costs for new loans of $250,000 or less
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 12, 2026: 6.99% APRSep 12, 2026Oct 13, 2026
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 - - 4.74% Up to 48 months
Details Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 12, 2026: 4.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Used Auto Loans - - 4.74% Up to 48 months
Details As Low As; Rate depends on model year; Minimum APR 4.74% regardless of discounts
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 12, 2026: 4.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New Auto Loans - - 4.99% Up to 60 months
Details Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New Auto Loans - - 4.99% Up to 75 months
Details Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Used Auto Loans - - 4.99% Up to 60 months
Details As Low As; Rate depends on model year; Minimum APR 4.74% regardless of discounts
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 20, 2026: 4.99% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Used Auto Loans - - 4.99% Up to 75 months
Details As Low As; Rate depends on model year; Minimum APR 4.74% regardless of discounts
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 20, 2026: 4.99% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New Auto Loans - - 5.24% Up to 66 months
Details Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 12, 2026: 5.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Used Auto Loans - - 5.24% Up to 66 months
Details As Low As; Rate depends on model year; Minimum APR 4.74% regardless of discounts
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 12, 2026: 5.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New Auto Loans - - 5.99% Up to 84 months
Details Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Used Auto Loans - - 5.99% Up to 84 months
Details As Low As; Rate depends on model year; Minimum APR 4.74% regardless of discounts
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New Auto Loans - - 9.99% Up to 96 months
Details Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 12, 2026: 9.99% APROct 12, 2026Oct 13, 2026
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
Details Current APR as of 9/23/2026
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.24% APR · checked 4 times
5.74%6.24%6.74%Sep 20, 2026: 6.24% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loans - 6.24% Up to 48 months
Details Listed rates include .25% autopay discount; 6.24% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 12, 2026: 6.24% APROct 12, 2026Oct 13, 2026
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 Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 20, 2026: 6.24% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan - 6.24% Up to 48 months
Details All Recreational Vehicle loans require a minimum 20% cash down payment.
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.24% APR · checked 6 times
5.74%6.24%6.74%Sep 12, 2026: 6.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat Loans (New and Used) - 6.49% Up to 60 months
Details Current APR as of 9/23/2026
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.49% APR · checked 4 times
5.99%6.49%6.99%Sep 20, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat Loans (New and Used) - 6.49% Up to 75 months
Details Current APR as of 9/23/2026
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.49% APR · checked 4 times
5.99%6.49%6.99%Sep 20, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loans - 6.49% Up to 60 months
Details Listed rates include .25% autopay discount; 6.24% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loans - 6.49% Up to 75 months
Details Listed rates include .25% autopay discount; 6.24% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
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 Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 20, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New & Used ATV Loans - 6.49% Up to 75 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 20, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan - 6.49% Up to 60 months
Details All Recreational Vehicle loans require a minimum 20% cash down payment.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 20, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan - 6.49% Up to 75 months
Details All Recreational Vehicle loans require a minimum 20% cash down payment.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 20, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat Loans (New and Used) - 6.74% Up to 66 months
Details Current APR as of 9/23/2026
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.74% APR · checked 4 times
6.24%6.74%7.24%Sep 20, 2026: 6.74% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loans - 6.74% Up to 66 months
Details Listed rates include .25% autopay discount; 6.24% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 12, 2026: 6.74% APROct 12, 2026Oct 13, 2026
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 Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.74% APR · checked 5 times
6.24%6.74%7.24%Sep 20, 2026: 6.74% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan - 6.74% Up to 66 months
Details All Recreational Vehicle loans require a minimum 20% cash down payment.
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.74% APR · checked 6 times
6.24%6.74%7.24%Sep 12, 2026: 6.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat Loans (New and Used) - 7.49% Up to 84 months
Details Current APR as of 9/23/2026
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.49% APR · checked 4 times
6.99%7.49%7.99%Sep 20, 2026: 7.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loans - 7.49% Up to 84 months
Details Listed rates include .25% autopay discount; 6.24% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 12, 2026: 7.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New & Used ATV Loans - 7.49% Up to 84 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 20, 2026: 7.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan - 7.49% Up to 84 months
Details All Recreational Vehicle loans require a minimum 20% cash down payment.
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.49% APR · checked 6 times
6.99%7.49%7.99%Sep 12, 2026: 7.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat Loans (New and Used) - 11.49% Up to 96 months
Details Current APR as of 9/23/2026
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 11.49% APR · checked 4 times
10.99%11.49%11.99%Sep 20, 2026: 11.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Motorcycle Loans - 11.49% Up to 96 months
Details Listed rates include .25% autopay discount; 6.24% is the minimum APR offered
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 11.49% APR
10.99%11.49%11.99%Oct 12, 2026: 11.49% APROct 12, 2026Oct 13, 2026
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 Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 11.49% APR · checked 5 times
10.99%11.49%11.99%Sep 20, 2026: 11.49% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
RV Loan - 11.49% Up to 96 months
Details All Recreational Vehicle loans require a minimum 20% cash down payment.
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 11.49% APR · checked 6 times
10.99%11.49%11.99%Sep 12, 2026: 11.49% APRSep 12, 2026Oct 13, 2026
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%
Details As Low As; Method: Average Daily Balance; Annual Fee:; Rewards: No
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25%
10.75%11.38%12.00%Sep 12, 2026: 11.25% APRSep 25, 2026: 11.50% APRSep 12, 2026Oct 13, 2026
  • 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%
Details As Low As; Method: Average Daily Balance; Annual Fee:; Rewards: Yes
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65%
13.15%13.78%14.40%Sep 12, 2026: 13.65% APRSep 25, 2026: 13.90% APRSep 12, 2026Oct 13, 2026
  • 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%
Details As Low As; Method: Average Daily Balance; Annual Fee:; Rewards: Yes
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 16.49% → 16.74% ▲ 0.25 pts · high 16.74% / low 16.49%
15.99%16.62%17.24%Sep 12, 2026: 16.49% APRSep 25, 2026: 16.74% APRSep 12, 2026Oct 13, 2026
  • 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
Details As Low As; Loan amounts $500 - $20,000; credit score 670 minimum; limited-time offer; loan proceeds for debt consolidation only, paid directly to creditors
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.74% APR · checked 6 times
8.24%8.74%9.24%Sep 12, 2026: 8.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Fixed Term Signature Loan 11.49%
Details As Low As; $500 and up; Personal Loan Rates section
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 11.49% APR · checked 6 times
10.99%11.49%11.99%Sep 12, 2026: 11.49% APRSep 12, 2026Oct 13, 2026
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
25-Year Fixed 6.25% - 6.491% 25 years
Details As Low As; Mortgage for medical professionals; min loan $100,000, max loan $1,500,000; up to 100% LTV for purchases
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Credit Builder Loan - - 6.25% 6 to 12 months
Details As Low As; $500 - $1,000; funds used to create a share certificate (certificate rate plus 6%); auto-pay required; member in good standing for last 90 days
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Flex Line of Credit - - 17.95%
Details As Low As; $500 and up
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 17.95% APR · checked 6 times
17.45%17.95%18.45%Sep 12, 2026: 17.95% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Escrow 0.05% - 0.05%
Min Balance $100
Details Compounded/Credited: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
IRA Variable 0.25% - 0.25%
Min Balance $100
Details Compounded/Credited: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 12, 2026: 0.25% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Youth 0.05% - 0.05%
Min Deposit $5
Min Balance $100
Details Compounded/Credited: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
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 3.06% 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.

0% 1.0★ 1.1% 2.0★ 2.2% 3.0★ 3.3% 4.0★ 4.4% 5.0★ Healthy zone – entire history below the 15% limit 3.06% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.89% A+ Q2 2026
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
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.1B1.89%5.0A+
March 31, 2026$1.1B1.85%5.0A+
December 31, 2025$1.1B2.92%5.0A+
September 30, 2025$1.0B2.69%5.0A+
June 30, 2025$1.0B2.38%5.0A+
March 31, 2025$1.0B2.91%5.0A+
December 31, 2024$1.0B2.67%5.0A+
September 30, 2024$1.0B2.43%5.0A+
June 30, 2024$997M2.46%5.0A+
March 31, 2024$1.0B2.93%5.0A+
December 31, 2023$981M3.26%5.0A+
September 30, 2023$961M3.06%5.0A+
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 224
Part-Time Employees 0
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
1.89%
Return on Assets (ROA)
0.9046%
Return on Equity (ROE)
5.4310%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
1,088,170,216
Total Amount of Shares and Deposits
895,670,733
Total Shares and Deposits < 1 Year
886,681,262
Total Shares and Deposits 1 3 Years
7,901,965
Total Shares and Deposits > 3 Years
1,087,505
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
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 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 Q2 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; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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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%
  • Savings1.98%
  • MMA4.00%
Retrieved from our database of financial products. Rates subject to change.

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