1st Advantage Fort Eustis VA Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to 1st Advantage, your trusted financial partner located at 1 Fort Eustis, Fort Eustis, VA 23604. Since our establishment in 1951, we have proudly served our community with a commitment to member satisfaction and financial empowerment. With over 70,741 members and total assets exceeding $1 billion ($1,000,428,625), we are dedicated to providing personalized banking solutions that meet your needs. At 1st Advantage, we understand that every member's financial journey is unique. Whether you're looking for auto loans, personal banking services, or business loans, we've got you covered with a wide range of products designed to help you achieve your goals. Our total loans and leases amount to 44,912, showcasing our capacity to support your financial aspirations. While members can visit us at our branch, official correspondence should be sent to our mailing address: PO Box 2116, Newport News, VA 23609-0116. Our friendly team of 221 employees, led by CEO Paul Muse and Board President Sylvester McClellan, is here to assist you during our operating hours from Monday through Friday, 9 AM to 5 PM. As a member-focused credit union with a net worth of $146,602,757 and cash in hand totaling $7,355,358, we prioritize your financial security while offering competitive rates and exceptional service. We invite you to explore the benefits of membership by visiting our website at www.1stadvantage.org or giving us a call at 757-877-2444. Join us today and experience the difference of being part of a credit union that truly cares about your financial well-being!

Branch History & Mission

Join Us Today!

As we continue this journey together, we invite you to become part of the 1st Advantage family. Experience the benefits of being a member-focused credit union where your financial success is our priority. Visit us today or explore more about membership opportunities on our website here. Let's build a better future together!

Modern Services and Accessibility

In today's world, convenience matters. That's why we offer a range of digital services including online banking and mobile payments, ensuring that our members can manage their finances anytime and anywhere. Additionally, our branch is ADA compliant, demonstrating our commitment to accessibility for all. Our operating hours from Monday to Friday from 9 AM to 5 PM ensure that we are available when you need us most. With an ATM on-site and drive-thru service available, banking with us is both easy and efficient. While members can visit us at 1 Fort Eustis Fort Eustis Va 23604, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116 if needed.

Our Mission

At the heart of 1st Advantage's mission is a simple yet profound belief: we exist to serve our members and enhance their financial well-being. We strive to provide personal banking solutions that cater to every need whether it's checking accounts, auto loans, or mortgage services. Our goal is to empower individuals and families through responsible lending practices and financial education. We are also deeply committed to supporting our local community. Through various outreach programs and partnerships with local organizations, we work hard to make a positive impact beyond just banking. We believe that by investing in our community, we help create a brighter future for everyone.

Branch Location & Accessibility

Connect With Us

While members can visit us at our Fort Eustis location, please note that official correspondence should be sent to PO Box 2116 in Newport News if necessary. If you have any questions or need assistance, don't hesitate to reach out! Call us at 757-877-2444 or stop by during our operating hours. We look forward to welcoming you at the 1st Advantage Fort Eustis Branch!

Nearby Landmarks and Accessibility

We're proud to serve our community right near local landmarks that make us easy to find. Whether you're coming from the nearby military base or just passing through, our location is perfect for quick visits. For those driving here, ample parking is available, and our facility is ADA-compliant, ensuring that everyone can access our services comfortably.

Operating Hours and Services

Our doors are open Monday through Friday from 9 AM to 5 PM, making it easy for you to stop by when it suits your schedule. At the 1st Advantage Fort Eustis Branch, we offer a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, our team is here to assist you every step of the way. If you're looking for added convenience, we also have a drive-thru service for quick transactions like deposits and withdrawals. Plus, with ATM availability on-site, accessing your funds has never been easier.

Member Eligibility

Joining the 1st Advantage community is an exciting step toward enhancing your financial journey. At our branch located at 1 Fort Eustis, Fort Eustis, VA 23604, we welcome individuals who live, work, or worship in specific areas or have family members that are already part of our credit union. This means if you share a connection with our vibrant community, you could easily become a member and enjoy all the fantastic benefits we offer, from competitive loan rates to personalized service tailored just for you. Becoming a member is simple! Just visit our website for detailed eligibility criteria at this link. You can also open your account online by following the instructions at this page. If you have any questions or need assistance along the way, feel free to reach out to us at 757-877-2444. We're here to help you every step of the way as you embark on this new financial adventure with us!

Business Banking & Commercial Services

At 1st Advantage, we understand that every business has its own unique journey. Whether you're launching a startup or expanding an established company, having the right financial support is crucial. Our commercial loan options are designed to help you navigate your growth story. Imagine securing a loan that allows you to purchase new equipment or expand your operations. With our commitment to supporting businesses, we've funded over $104 in commercial loans for our members, helping them scale and succeed. We also support the broader business community with $31 in non-member commercial loans, providing flexible financing solutions. In addition to lending, we offer merchant services that make transactions easier for you and your customers. Picture this: a customer walks into your store and pays effortlessly using their mobile phone. Our merchant services can make these seamless transactions possible, enhancing customer satisfaction while boosting your sales. With an outstanding commercial loan portfolio of $72,959,272, we're proud to be a trusted partner for businesses in Fort Eustis, VA. Visit us at 1 Fort Eustis Fort Eustis Va 23604 or call us at (757) 877-2444 to discover how we can support your business goals today!

Comprehensive List Of Services

ATM and Cash Services

We understand the importance of cash access. Our ATM services enable easy cash withdrawals and balance checks whenever you need them. Plus, with drive-thru banking available for basic transactions like deposits and withdrawals, getting in and out quickly is hassle-free.

Business Banking

For our business members, we have tailored banking solutions that include merchant services and business loans. Whether you're just starting out or looking to expand, we're here to help ensure your business thrives.

Digital Banking Features

In today's fast-paced world, having access to your finances anytime and anywhere is crucial. Our online and mobile banking services allow you to check balances, transfer funds, and pay bills right from your phone or computer. With features like person-to-person payments and electronic statements, managing your money has never been easier.

Loans and Credit Options

If you find yourself needing extra funds for unexpected expenses or consolidating debt, our personal loans provide a flexible solution. For those who enjoy rewards, our credit cards offer perks that can enhance your shopping experience. You'll appreciate how simple it is to earn rewards while managing your everyday purchases.

Personal Banking

Our personal banking services include checking and savings accounts that cater to various lifestyles and financial goals. Imagine having a checking account that fits your daily spending habits while helping you save for future plans. We also offer auto loans and vehicle financing, making it easy for you to hit the road in style without breaking the bank. If you're considering purchasing a home or refinancing your current mortgage, our mortgage loans come with competitive rates designed to fit any budget.

Shared Branch Transactions

As part of our commitment to convenience, we also offer shared branch transactions for members of partner credit unions. This means you can perform basic deposits and withdrawals even when you're away from home. At 1st Advantage, we're more than just a place to manage money; we're here to support your journey toward financial well-being. For any questions or further information about our services, don't hesitate to call us at 757-877-2444. We're excited to help you explore all the possibilities that await! Ready to get started? Visit us online at 1stadvantage.org or stop by our branch today!

Digital & Online Banking

At 1st Advantage, we understand that your time is valuable. That's why we've made banking easier and more secure with our digital and online banking services. Whether you're at home or on the go, you can manage your finances right from your smartphone or computer. One of the standout features we offer is our 24/7 Online Banking Services. With just a few clicks at https://www.1stadvantage.org/, you can check your account balance, pay bills, and transfer money whenever it suits you. It's all about giving you control over your financial life without the hassle of traditional banking hours. For those who prefer to do their banking on the move, our Mobile Application allows for easy access to all your accounts. You can make Person-to-Person Transfers, send money to friends, or receive funds instantly all within our secure app. Plus, if you're using mobile payments, you'll find it simple to pay for purchases right from your phone. We also prioritize security in all our services. With Electronic Signature Authorization, you can complete transactions safely online without needing to visit a branch. This means faster approvals and less paperwork for you! Another convenient feature is our availability of E-Statements. Instead of waiting for paper statements in the mail, you can view and download your statements digitally whenever you want helping you stay organized and eco-friendly. At 1st Advantage, we aim to provide you with an accessible and user-friendly experience that lets you manage your money in real-time, so you can focus on what really matters. Join us today and discover how easy banking can be!

Financial Strength

Commitment to Growth

With $143,687,981 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $10,604 in used auto loans and $717,458,707 in total loans and leases, supporting members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $204,869,024 in share certificates and $110,222,889 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 216 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Position

With a net worth of $146,602,757, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,465 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Resource Management

Net Shares (Funds available for lending and investments): $212. Total Share and Deposit Accounts: 139,996, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Advantage is your trusted partner. Visit us at 1 Fort Eustis Fort Eustis Va 23604 or call (757) 877-2444 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Financing Options

For business owners, our outstanding commercial loans totaling $72,959,272 provide the capital needed to grow and expand your business. We're here to support local entrepreneurs with tailored financing solutions. If you're considering refinancing any existing loans or exploring eligibility options for our products, our team is ready to guide you through every step. For more information about our loan offerings or to discuss which option might be best for you, please reach out to us at 757-877-2444. Visit us today at our branch or check out our website at 1st Advantage for additional details. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $191,517,727 in used vehicle loans and $65,291,184 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, we have financing options that fit your budget.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $26,284,115 in loans helping members manage their finances effectively. Enjoy the freedom of spending while keeping control over your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $96,624,553, make buying or refinancing simple. We help you navigate the home buying process with competitive rates and flexible terms.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach guarantees that users receive fair and transparent offers tailored to their needs. One significant benefit of using LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in what users see. Additionally, LendMesh does not feature sponsored listings; it prioritizes unbiased results over paid promotions. Users can trust that they are receiving genuine comparisons without any hidden agendas. LendMesh also provides real-time rate comparisons, allowing users to access up-to-date loan rates from multiple institutions. This feature helps individuals make informed decisions about their borrowing options, ultimately leading to better financial outcomes. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of LendMesh as a reliable tool for securing favorable loan terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

1St Advantage