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

Introduction

Welcome to 1st Advantage, your trusted credit union located at 5003 Mercury Blvd, Hampton, VA 23605. Since our establishment in 1951, we have been dedicated to serving our community with a personal touch and a wide range of financial services tailored to meet your needs. With a proud membership of over 70,741 individuals, we strive to foster a sense of belonging and provide exceptional financial support. At 1st Advantage, our commitment goes beyond just banking; we aim to empower our members through sound financial advice and innovative services. Our total assets stand impressively at $1,000,428,625, ensuring that we have the resources necessary to support you on your financial journey. Whether you're looking for an auto loan among our 44,912 loans and leases or saving for the future with our diverse deposit options totaling $86,512,535, we are here to help. While members can visit us at our branch location for in-person assistance, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116 if you're unable to visit us directly. Under the leadership of our CEO, Paul Muse, and Board President, Sylvester McClellan, we pride ourselves on maintaining a team of 221 employees who are passionate about serving you. We also understand the importance of accessibility; that's why we offer various banking options including online banking and mobile payments for your convenience. With a solid net worth of $146,602,757 and cash reserves of $7,355,358, you can trust that your money is in safe hands. We invite you to explore everything that 1st Advantage has to offer by visiting our website at 1stadvantage.org or giving us a call at 757-877-2444. Join us today and experience the difference in community-focused banking!

Branch History & Mission

Join Us

As we continue to grow and evolve, we invite you to join us on this journey. Experience firsthand how being part of 1st Advantage can benefit you not just financially but as a valued member of a caring community. Visit us during our operating hours Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM or give us a call at (757) 877-2444. Let's work together towards a brighter future!

Our Evolution

Over the decades, 1st Advantage has embraced change while holding on to our core values. We have adapted to meet the needs of our members by introducing innovative services such as online banking and mobile payments. These advancements ensure that our members can manage their finances conveniently and securely. Our commitment to accessibility is reflected in our ADA compliance and user-friendly digital platforms. Our physical presence is complemented by a drive-thru service that makes transactions simple for those on the go. Whether you're stopping by for a quick deposit or utilizing our ATM services, we're here to help you navigate your financial journey smoothly.

Our Mission

At 1st Advantage, our mission extends beyond just providing financial services; we aim to uplift and support our community. We believe that strong communities build strong futures. That's why we actively engage in outreach programs and partnerships that benefit local organizations and initiatives. Our mission statement emphasizes not only the importance of sound financial practices but also the responsibility we have towards enhancing the lives of those around us. We strive to empower our members with the knowledge and tools they need to achieve their financial goals while fostering a sense of belonging within the community. While members can visit us at 5003 Mercury Blvd Hampton Va 23605, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116.

Branch Location & Accessibility

Accessibility Features

We pride ourselves on being accessible to everyone. Our branch features ADA-compliant entrances and ramps, ensuring that all members can navigate our space comfortably. We want every visit to feel welcoming and easy for everyone.

Nearby Landmarks

Our branch is situated close to popular local spots like the Hampton Coliseum and the beautiful Buckroe Beach. This makes us a convenient stop for both residents and visitors alike. Plus, with ample parking available, you can pop in without any hassle.

Operating Hours

We understand that life can get busy, which is why our operating hours are designed to fit your schedule. Visit us Monday through Friday from 9 AM to 5 PM, and on Saturday from 9 AM to 1 PM. Whether you're rushing in during your lunch break or making a weekend trip, we're here when you need us.

Services Offered

At the Mercury Branch, we offer a variety of services tailored just for you! From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we've got your financial needs covered. Enjoy the ease of drive-thru banking for quick deposits and withdrawals or make use of our ATM available right outside for after-hours convenience. If you have any questions or need assistance, don't hesitate to give us a call at 757-877-2444. We're excited to serve you at the 1st Advantage Mercury Branch! Come visit us today and discover how we can help you achieve your financial goals!

Member Eligibility

Joining the 1st Advantage family is more than just opening an account; it's about becoming part of a community that cares about your financial well-being. At 1st Advantage, we welcome a diverse range of individuals. If you live, work, worship, or go to school in our local area, you're likely eligible for membership! We aim to make banking accessible and beneficial for everyone, offering personalized services that cater to your unique needs. For the most current details on eligibility, feel free to check out our page at https://www.1stadvantage.org/personal/membership-benefits-discounts/. Opening an account with us is straightforward and can be done in just a few easy steps! You can visit us at our branch located at 5003 Mercury Blvd, Hampton, VA 23605, or give us a call at 757-877-2444 for assistance. Our friendly team is here to guide you through the process and answer any questions you may have. To get started online, simply visit https://members.1stadvantage.org/auth/enrollment. We can't wait to welcome you as a member of 1st Advantage!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $104 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $31 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $72,959,272, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

Imagine running your business without worrying about payment processing. Our merchant services streamline transactions so you can focus on what matters most growing your enterprise. Whether it's accepting credit cards or managing payroll, our tailored solutions fit the specific needs of your operations. Located at 5003 Mercury Blvd Hampton Va 23605 in Hampton, VA, we invite local entrepreneurs to explore how our services can empower their success. Reach out to us at (757) 877-2444 to learn more!

Comprehensive List Of Services

Business Banking

For business owners in need of support, our business banking services include essential offerings like merchant services and business loans. We understand how important it is to keep your operations running smoothly, and we're dedicated to providing solutions that cater specifically to your business needs.

Digital Banking Features

In today's busy world, convenience is key. That's why we've made banking easier than ever with our online and mobile banking features. Access your accounts anytime through our secure platform whether you're checking balances or transferring funds on-the-go. Our ATM services provide quick cash withdrawal options right when you need them.

In-Person Services

If you prefer face-to-face interactions, visit us during lobby hours from Monday to Friday 9 AM - 5 PM, or on Saturdays from 9 AM - 1 PM. Our drive-thru banking service allows for simple transactions such as deposits and withdrawals without leaving your vehicle. We also have basic ATM access available for quick balance checks and withdrawals. No matter what financial journey you're on, 1st Advantage is here to assist you every step of the way. To learn more about our services or to become a member today, give us a call at 757-877-2444 or visit us online at 1stadvantage.org. Let's work together towards your financial success!

Loans and Credit Cards

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation options, you can tackle those challenges head-on. Plus, our credit cards with rewards allow you to earn benefits while making everyday purchases so why not get rewarded for spending wisely?

Personal Banking

For individuals seeking effective ways to manage their finances, we offer various personal banking options. You can choose from checking and savings accounts that fit your lifestyle. Need a reliable way to finance your next vehicle? Our auto loans and vehicle financing options are tailored for you, ensuring you can drive away in the car of your choice without breaking the bank. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans and refinancing services make the process straightforward.

Digital & Online Banking

Additional Benefits

Need to send money to a friend? Our person-to-person transfers make it easy to send and receive money instantly. And if you're always on the move, you'll appreciate our mobile payments feature, allowing you to make purchases directly from your smartphone. At 1st Advantage, security is our top priority. We utilize advanced security measures so you can bank with peace of mind, knowing your information is safe. With user-friendly navigation and real-time account management tools, accessing your finances has never been easier. Join us today at https://www.1stadvantage.org/ and experience the convenience of modern banking tailored just for you!

Key Features

Our online banking platform allows you to access your account from the comfort of your home or on the go. You can easily check balances, transfer funds, and pay bills all without needing to visit a branch. For added convenience, our mobile application provides all these features right at your fingertips. Plus, with the option for electronic signatures through Yes, signing documents is quick and hassle-free. Worried about keeping track of your statements? We've got you covered with e-statements available at Yes. This feature not only helps you stay organized but also reduces paper clutter making it easier for you to manage your finances effectively.

Financial Strength

At 1st Advantage, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation to support your needs and aspirations. 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. 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. 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 supports your financial goals with $10,604 in used auto loans and $717,458,707 in total loans and leases. Although our recent net income is $0, this reflects our operational efficiency as we continue to provide 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. Our net shares stand at $212, indicating funds available for lending and investments. The number of total share accounts is impressive at 139,996, showcasing the trust that over 70,000 members place in us to manage their finances wisely. 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 5003 Mercury Blvd Hampton Va 23605 or call (757) 877-2444 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

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. We also provide refinancing options to help you lower your monthly payments or adjust your loan terms.

Credit Lines and Unsecured Loans

For those who need extra flexibility, our total credit lines amounting to $187,124,532 are available for various purposes. Additionally, we offer flexible terms on unsecured credit card loans, with a total of $26,284,115 in loans helping members manage their finances effectively. This way, you can access funds when needed without collateral.

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 are here to guide you through the process and ensure you find a solution that fits your budget.

Supporting Your Business

For business owners, our outstanding commercial loans totaling $72,959,272 provide the capital needed to grow and expand. We know how crucial it is to have reliable financing for your business ventures. At 1st Advantage, we're dedicated to making borrowing easy and accessible. If you're interested in any of these products or have questions about eligibility, feel free to reach out. You can contact us at (757) 877-2444, or visit us at our branch located at 5003 Mercury Blvd Hampton Va 23605 in Hampton, VA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together toward achieving your financial goals!

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