1st Advantage Newport News VA Credit Union | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to 1st Advantage, your trusted financial partner located at 12368 Warwick Blvd, Newport News, VA 23606. Since our establishment in 1951, we have proudly served over 70,741 members, helping them achieve their financial goals with personalized service and a community-focused approach. With total assets of $1,000,428,625 and total deposits reaching $86,512,535, we are committed to providing a secure and reliable banking experience. At 1st Advantage, we understand that every member's journey is unique. That's why we offer a variety of services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. Our total loans and leases stand at an impressive 44,912, showcasing our dedication to empowering our members with the financial resources they need. Our leadership team is passionate about fostering a supportive environment. Under the guidance of CEO Paul Muse and Board President Sylvester McClellan, we continue to innovate and adapt to meet the needs of our community. We pride ourselves on being more than just a credit union; we are a family that stands by you through every financial decision. For any correspondence that isn't related to in-person visits, please reach out to us at our mailing address: PO Box 2116, Newport News, VA 23609-0116. If you're looking for a place where your money works harder for you while being part of a community that cares, look no further! Call us at 757-877-2444 or visit our website at 1stadvantage.org today to learn more about how we can assist you on your financial journey. Your future starts here with us!

Branch History & Mission

Community Focus

At 1st Advantage, we understand that our strength lies in our connections with local organizations and initiatives. We participate in various community events and support local causes because we know that when our community thrives, we all benefit. Whether it's through educational programs or financial literacy workshops, we are here to serve as a resource for our members.

Join Us Today!

We encourage you to discover what sets 1st Advantage apart. Visit us during our lobby hours from Monday to Friday, 9 AM - 5 PM, where you can speak with one of our friendly representatives about how we can help you achieve your financial goals. With ATM availability for your convenience and no drive-thru service currently offered, we're ready to assist you in any way possible. Your journey towards financial empowerment starts here. Join us at 1st Advantage today and become part of a community-focused credit union that truly cares! For more information or to open an account online, visit our website or call us at 757-877-2444.

Our Journey

From humble beginnings, 1st Advantage has evolved significantly over the decades. We've expanded our services to meet the changing needs of our members while maintaining a strong commitment to local values and community support. Our total assets now exceed $1 billion, showcasing our stability and dedication to providing secure banking options. With a team of 221 dedicated employees, we strive to offer personalized service that makes every member feel valued.

Our Mission

Our mission is clear: to provide exceptional financial services while supporting and enhancing the lives of those in our community. We believe that everyone deserves access to affordable banking solutions, whether it's through checking and savings accounts, auto loans, or business financing. Our commitment extends beyond just transactions; we actively engage in community outreach programs and partnerships that uplift those around us. While members can visit us at 12368 Warwick Blvd, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116. We invite you to experience the convenience of our digital advancements including online banking and mobile payments, ensuring you have access to your finances anytime, anywhere.

Branch Location & Accessibility

Welcome to the 1st Advantage Hidenwood Branch, your go-to spot for all your banking needs! Conveniently located at 12368 Warwick Blvd in Newport News, VA, this branch is designed to make your financial transactions as smooth as possible. Whether you're stopping by for a quick deposit or seeking advice on loans and savings options, our friendly staff is ready to assist you. If you're coming from nearby landmarks like the Newport News Park or the bustling City Center at Oyster Point, you'll find us just a short drive away. Our branch offers ample parking, making it easy for you to hop in and out. Plus, we take accessibility seriously our location is ADA compliant with ramps and other features to ensure everyone can visit us comfortably. Our lobby hours are Monday through Friday from 9 AM to 5 PM, so you can plan your visit at a time that works best for you. If you need cash on the go, we also have an ATM available right on-site for your convenience. Unfortunately, we do not offer drive-thru banking at this location. While members can visit us at our branch address, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116 if needed. If you have any questions or would like more information about our services including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards feel free to give us a call at 757-877-2444. We invite you to drop by the Hidenwood Branch today and discover how we can help meet your financial goals!

Member Eligibility

At 1st Advantage, we believe that everyone deserves a place in our community, and becoming a member is simple and welcoming. If you're looking to join us, you'll be pleased to know that eligibility extends to anyone who lives, works, worships, or attends school in certain areas of Virginia. This means you could easily become part of our supportive family! To get all the details on what makes you eligible, feel free to check out more information at https://www.1stadvantage.org/personal/membership-benefits-discounts/. Joining us is just the beginning of enjoying benefits like competitive loan rates, convenient banking options, and personalized service. Opening an account is straightforward; just visit our website at https://members.1stadvantage.org/auth/enrollment, or give us a call at (757) 877-2444 if you have any questions or need assistance. We're excited to welcome you to 1st Advantage, located at 12368 Warwick Blvd Newport News Va 23606, where you can take advantage of everything we offer!

Business Banking & Commercial Services

Merchant Services that Matter

Imagine having a payment solution that makes transactions easier for both you and your customers. Our merchant services simplify accepting payments, whether in-store or online. This means faster checkouts and happier customers. Plus, our tools help you manage sales and track inventory effortlessly so you can focus on what you do best: running your business. Visit us at 12368 Warwick Blvd Newport News Va 23606, Newport News, VA or call us at (757) 877-2444 to explore how our business banking solutions can empower your growth today!

Tailored Business Loans

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.

Comprehensive List Of Services

Convenient Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features. Imagine managing your finances from anywhere with just a few taps on your phone! You can access ATM services for quick cash withdrawals or balance checks without stepping out of your car thanks to our Basic ATM Access. We're committed to making banking as straightforward as possible while keeping everything secure. If you need assistance or have questions about any service, don't hesitate to call us at 757-877-2444 during our lobby hours from Monday through Friday, 9 AM to 5 PM. At 1st Advantage, we are more than just a credit union; we are your financial partner dedicated to helping you succeed. Explore how our comprehensive list of services can benefit you today by visiting us online at 1st Advantage or stop by our branch!

Credit Card Rewards

Don't forget about our Credit Cards with Rewards! Whether you want cashback on everyday spending or points towards travel and experiences, we have options that cater to your preferences.

Financing Your Dreams

When it comes to financing, 1st Advantage provides Auto Loans & Vehicle Financing options tailored to different budgets. Whether you're eyeing a new car or a reliable used vehicle, we can assist you in securing the right loan at competitive rates. Additionally, our Mortgage Loans & Refinancing services make homeownership attainable by offering flexible terms and low-interest rates. Picture yourself settling into your dream home with an affordable mortgage plan that works for you!

Personal Banking Made Easy

Starting with Personal Banking, we offer checking and savings accounts that fit various lifestyles. Imagine having a checking account that not only helps you manage your expenses but also rewards you for everyday purchases. Our savings accounts are designed to help you grow your funds over time, making it easier to reach your goals.

Simplifying Borrowing

For those unexpected expenses or big-ticket items, our Personal Loans & Debt Consolidation options can help lighten the load. We understand that life can throw surprises your way, and we're here to support you with financial solutions that make sense for your situation.

Supporting Local Businesses

If you're a business owner, our Business Banking services include merchant services and business loans designed to help your venture thrive. We believe in supporting local businesses because they are vital to our community's growth and prosperity.

Digital & Online Banking

Key Services

Our online banking platform, available at https://www.1stadvantage.org/, allows you to manage your accounts 24/7. You can check balances, pay bills, and transfer funds with ease. Plus, our person-to-person transfer feature lets you send money to friends or family without any hassle. Need to sign documents? Our electronic signature authorization makes it simple and secure no more printing or mailing paperwork! For those who prefer paperless communication, e-statements are available too, allowing you to view your statements online whenever you need them.

Mobile Access

Take your banking on the go with our mobile application. Whether you're out running errands or enjoying a day at the park, you'll have access to all of your account information right in your pocket. And if you love the convenience of mobile payments, you'll be pleased to know that our platform supports this feature as well.

Security and Ease-of-Use

We prioritize your security while ensuring that our services are user-friendly. Our advanced security measures give you peace of mind as you manage your finances online. With real-time account management tools, you can track transactions as they happen and stay informed about your financial health. In short, 1st Advantage offers a complete suite of digital banking solutions that cater to your busy lifestyle. Enjoy the freedom of managing your finances on your terms!

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 providing reliable services that help you achieve your financial dreams. 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 1465 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 is robust; with $10,604 in used auto loans and a total of $717,458,707 in loans and leases, we support members' financial goals across various sectors. While our current net income is $0, it reflects our dedication to stability over high-risk ventures. 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 and committed team. The strength of our member base is evident as we manage a total of 139,996 share accounts, showcasing the trust placed in us by our community. 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 12368 Warwick Blvd Newport News VA 23606 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 if you're looking to lower your payments or reduce your interest rate.

Business Financing

For business owners, our outstanding commercial loans totaling $72,959,272 provide the capital needed to grow and expand. We understand that every business has unique needs; therefore, we work closely with you to find the best financing solution. Our dedicated team is ready to assist you with each step of the borrowing process. Please feel free to reach out at 757-877-2444 if you have any questions or would like more information about our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At 1st Advantage Credit Union, we're committed to supporting your financial health today and into the future!

Credit Lines and Credit Cards

For those seeking flexibility, our total credit lines amount to $187,124,532. 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. Whether you need a little extra for unexpected expenses or want to consolidate debt, our credit card solutions are designed with you in mind.

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're here to guide you through the process and answer any questions you may have about eligibility or terms.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh sources its loan 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 commitment ensures that every offer presented is fair and transparent. Users can trust that they are viewing legitimate options tailored to their financial needs.

1St Advantage