Who is 1st Advantage?

We are more than a financial institution. We are a solution finder. A valuable resource. Your valuable resource. Safe and sound, 1st Advantage Federal Credit Union is federally insured, just like a bank.  Learn more

And because we are a member-owned cooperative, we can offer our members tremendous financial advantages in the form of lower-rate loans, better-rate savings, and many free services. We are your neighbors who share your values—living, working and going to church and school together—and we make it our responsibility to share what we can, giving back to our community. That’s not just life at 1st Advantage. That’s Life. Shared.


Who is eligible for membership?

If you live, work, worship or attend school on the Virginia Peninsula—including Williamsburg, James City County, Newport News, Hampton, Poquoson, York County (including Seaford, Dandy and Grafton) and Gloucester County (including Gloucester Point, Hayes, Schley, Whitemarsh and Belroi)—or have a family member who is already a 1st Advantage Member, you are eligible to join us.

Find out more by visiting www.1stadvantage.org

Consolidate bills. Buy furniture. Pay school expenses...

…with our convenient, cost-effective Signature Loan.  Learn more

This unsecured personal loan allows you to pay for a well-deserved vacation, an unexpected expense, or anything else that may come up in your life. Starting at $500, our Signature Loans have low, competitive rates and terms up to three years. See how a 1st Advantage Signature Loan could be the financial solution you need right now.

Check out Our Rates or Apply Now.

We’re here to help you establish and improve your credit.

Think of the money you want to borrow as a bridge. It’s a safe way to get you from one place to another.   Learn more

With 1st Advantage as your trusted advocate, we can show you how to apply for a Signature Loan, VISA® Credit Card or Overdraft Line of Credit, so you have the money you need when you need it. When you do so, you’re also creating an important credit history, which can help you borrow money for the bigger things in your future, like cars and homes.

Find out more by visiting 1stadvantage.org

Want to contact us?

Get a 1st Advantage VISA® Credit Card, Signature Loan or Line of Credit. We’ll show you how. Contact us at 800-359-7650 or complete this form and we will contact you.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the NCUA (National Credit Union Administration), a U.S. Government Agency.