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: 0.00%

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1st Advantage Federal Credit Union Rates & Review June 2026

Item: 1st Advantage Federal Credit Union
Rating: 3633
Author: cnZS

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

1st Advantage Federal Credit Union's 8 Month rates are at 3.90%, 8 Month CD rates are at 3.90%, Share & IRA CD Accounts - 8 Month rates are at 3.90%, 4 Month rates are at 3.50%, Share & IRA CD Accounts - 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 0.00%. 1st Advantage Federal Credit Union's 5/5 ARM Special rates are at 5.12%. 1st Advantage Federal Credit Union's Personal Loan Rates are at 4.74%. 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 2.69%. Rates were last updated on 06/16/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.69%

Excellent Lower than avg

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	3.84%	3.90%
Min Balance $500 Details Qualifications Required; To qualify for 8-month certificate rate of 3.90% APY, member must have direct deposit to any 1st Advantage checking account. If no direct deposit, rate is 3.65% APY. Additional offers may not be combined. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
8 Month Certificate	-	3.90%	8 months
Details special Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share & IRA Certificate Accounts - 8 Month	3.84%	3.90%	8 Month
Min Balance $500 Details Qualifications Required: direct deposit to any 1st Advantage checking account; To qualify for 8-month certificate rate of 3.90% APY, member must have direct deposit to any 1st Advantage checking account. If no direct deposit, rate is 3.65% APY. Additional offers may not be combined. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
4 Month	3.46%	3.50%
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share & IRA Certificate Accounts - 4 Month	3.46%	3.50%	4 Month
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
11 Month	2.82%	2.85%
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share & IRA Certificate Accounts - 11 Month	2.82%	2.85%	11 Month
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
24 Month	2.72%	2.75%
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
36 Month	2.72%	2.75%
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
48 Month	2.72%	2.75%
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
55 Month	2.72%	2.75%
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
60 Month	2.72%	2.75%
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share & IRA Certificate Accounts - 24 Month	2.72%	2.75%	24 Month
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share & IRA Certificate Accounts - 36 Month	2.72%	2.75%	36 Month
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share & IRA Certificate Accounts - 48 Month	2.72%	2.75%	48 Month
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share & IRA Certificate Accounts - 60 Month	2.72%	2.75%	60 Month
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
40 Month	1.99%	2.00%
Min Balance $5,000 Details *Member has option to bump up rate one (1) time during term. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share & IRA Certificate Accounts - 40 Month	1.99%	2.00%	40 Month
Min Balance $5,000 Details Member has option to bump up rate one time during term. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
6 Month	1.20%	1.20%
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share & IRA Certificate Accounts - 6 Month	1.20%	1.20%	6 Month
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
12 Month	1.00%	1.00%
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share & IRA Certificate Accounts - 12 Month	1.00%	1.00%	12 Month
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

1st Advantage Federal Credit Union Savings Rates

Product	Rate	APY
High-Yield Business Savings	1.98%	2.00%
Min Deposit $0 Min Balance $100 Details Accounts earn 2.00% APY on balances up to $50,000 and 0.05% APY on balances over $50,000. APY as of 5/26/2026 and is subject to change. Limit one (1) High-Yield Savings account per member. Fees may reduce earnings. This offer can be withdrawn at any time. Rates subject to change. Insured by NCUA. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
High-Yield Savings	1.98%	2.00%
Min Balance $100 Details Accounts earn 2.00% APY on balances up to $50,000 and 0.05% APY on balances over $50,000. APY as of 5/26/2026 and is subject to change. Limit one (1) High-Yield Savings account per member. No minimum balance to open. Fees may reduce earnings. This offer can be withdrawn at any time. Rates subject to change. Insured by NCUA. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Basic Savings	0.05%	0.05%
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Membership Savings	0.05%	0.05%
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Regular Business Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Dividends compounded monthly. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

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 The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Money Market Accounts	-	4.00%
Details as high as Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Performance Plus Money Market	3.93%	4.00%
Min Balance $1,000,000 Details APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Performance Plus Money Market Account	3.20%	3.25%
Min Balance $500,000 Details The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Performance Plus Money Market	3.20%	3.25%
Min Balance $500,000 Details APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Money Market Account	-	3.00%
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Performance Plus Money Market Account	2.28%	2.30%
Min Balance $250,000 Details The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Performance Plus Money Market	2.28%	2.30%
Min Balance $250,000 Details APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Performance Plus Money Market Account	1.98%	2.00%
Min Balance $100,000 Details The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Member Rewards Money Market - Grandfathered Account	1.98%	2.00%
Details Qualifications Required: 10 posted Debit Card transactions (excluding ATM transactions) per month and one or more ACH Direct Deposit transactions posted in each calendar month; Qualified Accounts* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Performance Plus Money Market	1.98%	2.00%
Min Balance $100,000 Details APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market Account - Grandfathered Account	1.44%	1.45%
Min Balance $1,000,000 Details Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. For additional information about fees please see the Business Fee Schedule. If you have any questions or require current rate information please call the credit union at 757-877-2444. Grandfathered account - closed to new openings. Available only to existing holders of this account type. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Tiered Money Market Account - Grandfathered Account	1.44%	1.45%
Min Balance $1,000,000 Details Average Daily Balance required to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market Account - Grandfathered Account	1.09%	1.10%
Min Balance $500,000 Details Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. For additional information about fees please see the Business Fee Schedule. If you have any questions or require current rate information please call the credit union at 757-877-2444. Grandfathered account - closed to new openings. Available only to existing holders of this account type. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Performance Plus Money Market Account	1.09%	1.10%
Min Balance $50,000 Details The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Performance Plus Money Market	1.09%	1.10%
Min Balance $50,000 Details APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Tiered Money Market Account - Grandfathered Account	1.09%	1.10%
Min Balance $500,000 Details Average Daily Balance required to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market Account - Grandfathered Account	1.00%	1.00%
Min Balance $250,000 Details Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. For additional information about fees please see the Business Fee Schedule. If you have any questions or require current rate information please call the credit union at 757-877-2444. Grandfathered account - closed to new openings. Available only to existing holders of this account type. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Performance Plus Money Market Account	1.00%	1.00%
Min Balance $25,000 Details The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Performance Plus Money Market	1.00%	1.00%
Min Balance $25,000 Details APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Tiered Money Market Account - Grandfathered Account	1.00%	1.00%
Min Balance $250,000 Details Average Daily Balance required to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market Account - Grandfathered Account	0.75%	0.75%
Min Balance $75,000 Details Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. For additional information about fees please see the Business Fee Schedule. If you have any questions or require current rate information please call the credit union at 757-877-2444. Grandfathered account - closed to new openings. Available only to existing holders of this account type. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Tiered Money Market Account - Grandfathered Account	0.75%	0.75%
Min Balance $75,000 Details Average Daily Balance required to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market Account - Grandfathered Account	0.65%	0.65%
Min Balance $10,000 Details Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. For additional information about fees please see the Business Fee Schedule. If you have any questions or require current rate information please call the credit union at 757-877-2444. Grandfathered account - closed to new openings. Available only to existing holders of this account type. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Tiered Money Market Account - Grandfathered Account	0.65%	0.65%
Min Balance $10,000 Details Average Daily Balance required to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market Account - Grandfathered Account	0.50%	0.50%
Min Balance $2,500 Details Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. For additional information about fees please see the Business Fee Schedule. If you have any questions or require current rate information please call the credit union at 757-877-2444. Grandfathered account - closed to new openings. Available only to existing holders of this account type. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Tiered Money Market Account - Grandfathered Account	0.50%	0.50%
Min Balance $2,500 Details Average Daily Balance required to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Member Rewards Money Market - Grandfathered Account	0.05%	0.05%
Details Non-Qualified Accounts* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market Account - Grandfathered Account	-	0.00%
Min Balance $1,000 Details Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. For additional information about fees please see the Business Fee Schedule. If you have any questions or require current rate information please call the credit union at 757-877-2444. Grandfathered account - closed to new openings. Available only to existing holders of this account type. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Performance Plus Money Market Account	-	0.00%
Min Balance $0 Details The Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Performance Plus Money Market	-	0.00%
Min Balance $0 Details APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 5/26/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Tiered Money Market Account - Grandfathered Account	-	0.00%
Min Balance $1,000 Details Average Daily Balance required to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

1st Advantage Federal Credit Union Checking Rates

Product	Rate	APY
High-Yield Business Checking	3.93%	4.00%
Details Qualifications Required: 10 or more posted Debit Card transactions (excluding ATM transactions) per month; eStatements; APY = Annual Percentage Yield. 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 account balances earn 0.05% APY. Qualified accounts must have 10 or more posted Debit Card transactions (excluding ATM transactions) per month and eStatements. Failure to meet any one of these requirements during a calendar month will cause the account to default to the Non-Qualified account rate of 0.05% APY. APY as of 5/26/2026 and is subject to change. Dividends compounded monthly. No minimum balance to open. Fees may reduce earnings. This offer can be withdrawn at any time. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
High-Yield Checking	3.93%	4.00%
Details Qualifications Required: 10 or more posted Debit Card transactions (excluding ATM transactions) per month; eStatements enrollment; Qualifying balance up to $7,500.00 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Non-Profit Business Checking	0.05%	0.05%
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Preferred Checking	0.05%	0.05%
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Premier Business Checking	0.05%	0.05%
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Premier Checking	0.05%	0.05%
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

1st Advantage Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
5/5 ARM Special	5.13%	-	5.51%
Details Adjustable-Rate Mortgage special. Enjoy lower monthly payments, flexible financing, and the confidence of a fixed rate for the first five years. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

1st Advantage Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	6.49%	5 years
Details As Low As; 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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Home Equity Loans	-	-	6.70%	10 years
Details As Low As; 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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Home Equity Loans	-	-	6.74%	15 years
Details As Low As; 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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Home Equity Loans	-	-	6.99%	20 years
Details As Low As; 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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

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 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Used Auto Loans - Up to 48 months	-	-	4.74%	Up to 48 months
Details As Low As; 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
New Auto Loans (Models 2024 and Newer)	-	-	4.99%	Up to 60 months
Details 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Used Auto Loans - Up to 60 months	-	-	4.99%	Up to 60 months
Details As Low As; 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Used Auto Loans - Up to 75 months	-	-	4.99%	Up to 75 months
Details As Low As; 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
New Auto Loans (Models 2024 and Newer)	-	-	5.24%	Up to 66 months
Details 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Used Auto Loans - Up to 66 months	-	-	5.24%	Up to 66 months
Details As Low As; 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
New Auto Loans (Models 2024 and Newer)	-	-	5.99%	Up to 84 months
Details 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Used Auto Loans - Up to 84 months	-	-	5.99%	Up to 84 months
Details As Low As; 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
New Auto Loans (Models 2024 and Newer)	-	-	9.99%	Up to 96 months
Details 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

1st Advantage Federal Credit Union Credit Card Rates

Product	Rate	APR
Standard Mastercard	-	11.25%
Details As Low As; Method use to Compute Purchase Balance: Average Daily Balance; Annual Fee: ; Rewards?: No Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Rewards Mastercard	-	13.65%
Details As Low As; Method use to Compute Purchase Balance: Average Daily Balance; Annual Fee: ; Rewards?: Yes Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
World Mastercard	-	16.49%
Details As Low As; Method use to Compute Purchase Balance: Average Daily Balance; Annual Fee: ; Rewards?: Yes Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

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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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 218

Part-Time Employees 2

Branch Locations 12

ATM Locations 13

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

2.69%

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

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 Reviews

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★★★★★

December 17, 2025

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Average Rating

★★★★★

Total 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.