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

1A Credit Cards: Better Rates than National Cards

Are you looking for a better credit card deal? Then, 1st Advantage has what you need. Compared to national credit cards, we give you a better plan across the board. That adds up to big savings for you and your budget.  Learn more

Sick and tired of high credit card fees from big banks? Then a credit card from 1st Advantage is the answer. A 1A credit card offers terms that are significantly better for you than cards issued by big banks. With our Advantage Platinum or Platinum Rewards VISA credit card, you don’t have to worry about high rates and hidden fees. A 1A VISA credit card offers you low rates and minimal fees. Plus, we don’t punish you for being a few days late on your payments. In fact, we offer a 10-day grace period on late fees.


Here are a few more of the money-saving advantages of getting a 1A VISA credit card:

Credit Card Comparison Chart

1st Advantage FCU Major Credit Cards
1A Platinum Credit Card rate starts at 7.75%*
 National credit card average is 14.91%
No balance transfer fees 12.78% balance transfer
No annual fee Annual fee of $60

Act now and you can take advantage of our great introductory rate on new cards of 3.99% Annual Percentage Rate (APR)^ for first 6 months!


Rewards Program

In addition to the everyday savings our credit cards give you, if you choose our Platinum Rewards Advantage VISA credit card, you’ll get additional perks including:

  • A point for every dollar you spend that can be redeemed for merchandise, gift cards, airline tickets and more.
  • Triple points on purchases during the first 30 days**


We also offer CU Rewards exclusively for our Platinum Rewards Advantage VISA cardholders. Every time you use your Platinum VISA to purchase goods and services, you earn one point for every net dollar purchase that you make. You can then use your points for travel awards and go almost anywhere in the world!


Don’t let other credit card offers fool you. When comparing our cards to other major cards, 1st Advantage’s VISA credit cards come out on top in so many ways. We don’t charge you high fees and there are no fine-print surprises. Plus, you can have peace of mind knowing that you’ll be working with our qualified representatives who put you and your financial well-being first.


Don't wait! Apply Today or call 866-624-1938.


*Rate accurate as of 7/1/2011

**Maximum 5,000 points

^ Certain restrictions apply. Introductory rate available for new cards on new purchases for 6 billing cycles. Balances at the end of the 6 month term will be subject to current Annual Percentage Rate (APR).

Credit Cards for Graduating College Students

It's never too early to start building your credit history. That’s why 1st Advantage offers credit cards to provide college students with the building blocks to begin a life of financial responsibility. Learn more

For college students, one of the most exciting aspects of graduating is becoming financially independent. Building good credit is a must because it helps you qualify for loans, auto insurance, rental applications and can even affect where you can work. So, how do you build your credit? Getting and managing a credit card is a great start and 1A offers two cards that will fit your budget and lifestyle.


With our Advantage Platinum or Platinum Rewards VISA credit card, you can enjoy low rates and minimal fees. Plus, the responsible use of a credit card is a great way to build up a credit score. The better your credit is now, the lower the amount of interest you will be charged on auto loans or a home mortgage.


Unlike big banks, our VISA credit cards are a great solution for establishing your credit the smart and safe way.


Our cards offer:

  • No fee on balance transfers
  • All the worldwide privileges of VISA
  • Low cost debt protection and cancellation up to $50,000

Credit Card Type Annual Percentage Rate Grace period to repay purchases Method used to Compute Purchase Balance Annual Fee
Platinum Rewards Advantage VISA as low as
9.75%*		 25 Days Average Daily Balance None
Platinum Advantage VISA as low as
7.75%*		 25 Days Average Daily Balance None

Plus, if you choose our Platinum Rewards Advantage VISA, you’ll earn TRIPLE Points** for the first 30 days. Imagine, getting rewards just for using your VISA credit card.


We give graduating college students the best credit card selection to establish their credit, which will help them down the road with vehicle and home purchases, as well as future employment.


Don't wait! Apply Today or call 866-624-1938.


*Rates effective as of July 1, 2011.
**Maximum 5,000 points on purchases only.

Want to Contact Us?

Put the purchasing power of VISA in your hands with a 1st Advantage VISA® credit card. Contact us at 866-624-1938 or complete this form and a 1A representative 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.