1st Advantage Newport News VA Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to 1st Advantage, your trusted partner in achieving financial wellness right here at our Denbigh Branch located at 12891 Jefferson Ave, Newport News, VA 23608. Since our establishment in 1951, we have been dedicated to serving our community with a strong commitment to member satisfaction and financial education. With over 70,741 members and a robust asset base of $1,000,428,625, we pride ourselves on being a reliable resource for all your banking needs. At 1st Advantage, we understand that every member's financial journey is unique. That's why we offer a comprehensive range of services including personal banking, auto loans, mortgages, business banking solutions, and much more. Our total deposits amount to $86,512,535, reflecting the trust our members place in us. We also have total loans amounting to 44,912, ensuring that we are always ready to assist you in reaching your goals. While members can visit us at our branch for friendly service and expert advice, official correspondence should be sent to our mailing address: PO Box 2116, Newport News, VA 23609-0116. Our team of dedicated professionals led by CEO Paul Muse and Board President Sylvester McClellan is committed to providing personalized assistance tailored to your needs. With an impressive net worth of $146,602,757 and cash in hand totaling $7,355,358, we're well-equipped to support you today and into the future. We invite you to experience our welcoming atmosphere and discover how we can help you manage your finances effectively. Feel free to reach out at (757) 877-2444 or visit our website at 1stadvantage.org for more information about our products and services. Join us as we continue building a stronger community together!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become part of the 1st Advantage family. Experience personalized service designed with your needs in mind. Whether you're looking for savings accounts, auto loans, or credit cards with rewards, we've got you covered. Visit us during our operating hours Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM or call us at 757-877-2444 for more information. Together, let's build a brighter financial future!

Our Journey

The story of 1st Advantage began with a vision: to create a member-focused financial institution that prioritizes people over profits. Over the decades, we have seen incredible growth, evolving from a small credit union into a robust community resource. Our journey has been marked by milestones that reflect our dedication to providing exceptional services such as personal banking, auto loans, mortgages, and business banking solutions. Our headquarters in Newport News is more than just an office; it's where relationships are built and dreams are realized. As we expanded our services, we also embraced technology to ensure convenience for our members. With offerings like online banking and mobile payments, we make it easier for you to manage your finances anytime and anywhere.

Our Mission

At 1st Advantage, our mission is simple yet impactful: to empower our members through comprehensive financial services while supporting the local community. We believe that when our members succeed, so does our community. That's why we strive not only to provide excellent financial products but also to engage in various outreach programs that uplift those around us. Whether it's sponsoring local events or partnering with schools for educational initiatives, we are committed to making a difference beyond just banking. We understand that every financial decision can impact lives, and we're here to guide you on your journey. While members can visit us at 12891 Jefferson Ave, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116.

Branch Location & Accessibility

Accessibility Features

At 1st Advantage, we understand the importance of accessibility. Our branch complies with ADA standards, ensuring that everyone can navigate our facilities with ease. Ample parking is available right outside, and you'll find ramps and other features designed to help all our members feel welcome.

Operating Hours

We're here for you during convenient hours! Visit us Monday through Friday from 9 AM to 5 PM, or stop by on Saturday from 9 AM to 1 PM. Whether you need assistance with checking accounts, auto loans, or online banking services, our dedicated team is ready to help you achieve your financial goals.

Services Offered

Our Denbigh Branch offers a range of services tailored to meet your needs. Enjoy personal banking options such as checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing, credit cards with rewards, and business banking solutions. For those on the go, we provide ATM access for cash withdrawals and balance checks along with basic drive-thru banking services for your convenience. While members can visit us at 12891 Jefferson Ave for all their banking needs, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116. Don't hesitate to reach out! You can give us a call at 757-877-2444 if you have any questions or want more information about how we can assist you. Come see us soon at the Denbigh Branch your financial journey starts here!

Member Eligibility

At 1st Advantage, we believe that joining our credit union is like becoming part of a caring family that truly values its members. If you're looking to enjoy the benefits of personalized banking, you'll be happy to know that eligibility is quite simple! You can become a member if you live, work, worship, or go to school in Newport News or surrounding areas. We also welcome immediate family members of existing members. This means that if you're connected to someone who's already part of our community, you're likely eligible too! For more detailed information about membership requirements, feel free to check out this resource: Membership Benefits and Discounts. Ready to take the next step? Opening an account with us is easy and straightforward! Just visit our account opening page at Account Enrollment, or give us a call at (757) 877-2444 if you have any questions. Our friendly team is here to help you every step of the way. We can't wait for you to join us at 12891 Jefferson Ave, Newport News, VA 23608, where financial success and community support await!

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we offer a range of merchant services that simplify payment processing for your business. Imagine having a reliable system that allows you to accept payments seamlessly from customers, whether they pay with a card or mobile app. Our services ensure that you can focus on what you do best running your business while we handle the financial transactions. Visit us at 12891 Jefferson Ave Newport News Va 23608 in Newport News, VA, or give us a call at (757) 877-2444 to learn more about how our business banking and commercial services can help fuel your success!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we offer tailored business banking solutions including merchant services and business loans. You can focus on growing your business while we take care of the financial aspects.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features that give you access to your accounts anytime, anywhere. With online and mobile banking, making transactions is just a tap away whether it's transferring funds or checking balances on-the-go. Our branch also provides easy access through an ATM on-site and basic drive-thru banking for quick deposits and withdrawals. If you're ever in need of cash or want to check your balance without stepping inside, our ATM has got you covered!

Home Financing Options

When it comes to making one of the biggest investments of your life your home our mortgage loans and refinancing services provide competitive rates and flexible terms. Whether you're buying your first home or refinancing to lower your monthly payments, our team is here to guide you through every step.

Personal Banking Solutions

We offer various personal banking options including checking and savings accounts tailored to fit your lifestyle. Imagine effortlessly managing your day-to-day expenses while saving for that dream vacation! Our checking accounts come with easy online access so you can track your spending anytime. Plus, our savings accounts help you set aside money for those special moments in life. For those looking to purchase a new car or refinance an existing loan, our auto loans and vehicle financing options are designed to get you on the road quickly and affordably. Picture yourself driving away in a reliable vehicle without breaking the bank!

Personal Loans and Credit Cards

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We aim to simplify things by helping you manage existing debts more effectively. Additionally, our credit cards with rewards allow you to earn while you spend, making every purchase rewarding.

Your Community Partner

At 1st Advantage, we're more than just a credit union; we're part of the Newport News community. Our team is ready to assist you in finding the right financial solutions that meet your individual needs. If you're interested in learning more about how we can help you achieve your financial goals, don't hesitate to reach out! Call us at 757-877-2444 or visit us today at our Denbigh Branch. Let's embark on this journey together!

Digital & Online Banking

Accessibility and Ease of Use

We believe that banking should be straightforward and accessible for everyone. That's why we ensure our digital services are easy to navigate, making it simple for you to manage your finances without any hassle. Whether you're checking balances, making deposits, or accessing support, everything is just a few clicks away. Explore all these fantastic features today by visiting us at https://www.1stadvantage.org/. At 1st Advantage, we're here to support your financial journey with tools that fit your lifestyle!

Key Features

With 24/7 online banking services, you have real-time access to your account balances and transaction history. Need to make a quick payment? With our mobile payments feature, you can use your smartphone to handle transactions effortlessly. Plus, our mobile application makes banking on-the-go simple and user-friendly. Security is a top priority at 1st Advantage. We offer electronic signature authorization for added protection when signing documents online. You can also choose e-statements to keep your financial information organized and secure all while reducing paper waste.

Financial Strength

Commitment to Service

Net Shares (Funds available for lending and investments): $212. Total Share and Deposit Accounts: 139,996, showcasing 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 12891 Jefferson Ave Newport News Va 23608 or call (757) 877-2444 to learn more about how we can help you achieve your financial goals.

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 who are dedicated to providing you with knowledgeable service.

Reinvestment for 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 robust lending capacity is evident with $10,604 in used auto loans and $717,458,707 in total loans and leases, supporting your financial goals across various sectors.

Strong Foundation

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.

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options available to suit every budget.

Credit Lines and Business Loans

For those looking for additional flexibility in managing finances or running a business, our total credit lines amount to $187,124,532. Additionally, for business owners seeking growth opportunities, our outstanding commercial loans totaling $72,959,272 provide the capital needed to expand your operations. If you're considering refinancing options or have questions about eligibility for any of these products, our team is here to assist you every step of the way. You can reach us at 757-877-2444 during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM. 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, we're dedicated to supporting our members' financial journeys with practical solutions designed just for you.

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 offer competitive rates and flexible terms to help you navigate the process seamlessly.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why 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 convenience of cashless transactions while benefiting from our competitive rates.

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