1st Advantage Virginia Beach VA Credit Union | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to 1st Advantage, your trusted partner in financial well-being since 1951. Located at 5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464, our branch is dedicated to providing exceptional service and support to our community. With over 70,741 members and total assets exceeding $1 billion, we are proud to be a cornerstone of financial strength and stability in Virginia Beach. At 1st Advantage, we believe that banking should be personal. Whether you're looking for checking accounts, auto loans, or business services, our team is here to guide you through every step of your financial journey. Our commitment to our members is reflected in our impressive total deposits of $86,512,535 and a net worth of $146,602,757. We ensure that your money is secure while also working diligently to help you achieve your financial goals. Under the leadership of CEO Paul Muse and Board President Sylvester McClellan, we prioritize community engagement and member satisfaction. Our dedicated staff of 221 employees is always ready to assist you with personalized solutions tailored to your needs. While members can visit us at our branch address for in-person support, official correspondence should be sent to our mailing address: PO Box 2116, Newport News, VA 23609-0116. Explore our range of services today by visiting us online at 1st Advantage. If you have any questions or need assistance, don't hesitate to call us at 757-877-2444. Join us in building a brighter financial future together!

Branch History & Mission

Our Mission

Our mission is simple yet profound: to provide personalized financial solutions that empower individuals and families to achieve their goals. We understand that everyone's needs are unique. That's why we offer a diverse range of services including personal banking accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. At 1st Advantage, we believe in giving back to the community. Our outreach programs focus on education and support for local initiatives, ensuring that we play an active role in enhancing the lives of those around us. We are proud to be ADA compliant and continually strive to improve our digital platforms so that all members can access our services easily. While members can visit us at 5386 Kempsriver Dr Ste 104, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116 if needed. Our branch operates with convenient hours: Monday through Friday from 9 AM to 5 PM for both lobby and drive-thru services. With ATM availability and shared service centers nearby, your banking experience is designed to be hassle-free and accessible. Whether you're looking for help with your savings or need advice on loans, our dedicated team is here for you. Join us today at 1st Advantage! Experience the benefits of being part of a community-focused credit union where your financial success is our top priority. Together, let's build a brighter financial future! For more information or to start your membership journey, call us at 757-877-2444 or visit our website.

Branch Location & Accessibility

Banking Hours and Services

We invite you to visit us during our lobby hours from Monday to Friday between 9 AM and 5 PM. If you prefer using our drive-thru service, it's open during the same hours for quick transactions like deposits and withdrawals. For those who need cash after hours, we have an ATM available for your convenience. At 1st Advantage, we offer a range of services tailored just for you. From personal checking and savings accounts to auto loans and mortgage options, we're dedicated to supporting your financial journey. Plus, if you're a member of another participating credit union, you can take advantage of shared services right here at our branch.

Get in Touch

If you have any questions or need assistance, don't hesitate to call us at 757-877-2444. Our friendly team is ready to help! We look forward to welcoming you at our Virginia Beach location soon!

Nearby Landmarks and Accessibility

Our location is just a stone's throw away from popular spots like the Kempsville Center and various local parks, making it easy for you to drop by anytime. With ample parking available, you'll find it easy to park and visit us without hassle. We also pride ourselves on being ADA compliant, featuring ramps and accessible entrances to ensure everyone can comfortably access our services.

Member Eligibility

At 1st Advantage, we believe that everyone deserves the opportunity to join a community that values their financial well-being. Becoming a member is simple and welcoming! If you live, work, or attend school in our local area, you're likely eligible to join us. We also welcome immediate family members of existing members, making it easy for your loved ones to benefit from our services too. Our members enjoy a range of benefits, including personalized service, competitive rates on loans, and exclusive discounts on various products. To learn more about the specific eligibility criteria and see if you qualify, visit our website at https://www.1stadvantage.org/personal/membership-benefits-discounts/. When you're ready to become part of our family, opening an account is just a click away! You can find all the details on how to get started by visiting https://members.1stadvantage.org/auth/enrollment. If you have any questions, feel free to reach out to us at (757) 877-2444. We're excited to welcome you into the 1st Advantage community at 5386 Kempsriver Dr Ste 104 Virginia Beach Va 23464!

Business Banking & Commercial Services

Merchant Services that Work for You

In addition to loans, we offer robust merchant services that simplify payment processing. Imagine a busy Saturday at your café our services ensure quick and secure transactions so you can focus on serving customers instead of worrying about payment issues. Let 1st Advantage help you navigate the financial landscape with confidence. Visit us at 5386 Kempsriver Dr Ste 104 Virginia Beach Va 23464, Virginia Beach, VA, or call us at (757) 877-2444 to learn more about how we can assist your business today!

Tailored 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.

Comprehensive List Of Services

Business Solutions

If you're a business owner, we have tailored services just for you! Our Business Banking options include Merchant Services & Business Loans, designed to help small businesses thrive in today's economy. We understand that every dollar counts when running a business.

Convenient Access

We know that convenience matters, which is why we offer various ways to access your money. Our branch features a drive-thru service for quick deposits and withdrawals without leaving your car. Plus, with our ATM services available nearby, you can withdraw cash or check balances effortlessly.

Flexibility When You Need It

Life can be unpredictable, and sometimes unexpected expenses arise. That's where our Personal Loans & Debt Consolidation come into play. We offer solutions to help you manage your finances effectively. Additionally, our Credit Cards with Rewards can provide extra benefits on your everyday purchases making each transaction work harder for you.

Personal Banking Made Easy

Our personal banking options include Checking & Savings Accounts that help you manage your day-to-day expenses while saving for future goals. Imagine easily tracking your spending through our Online & Mobile Banking platforms, which allow you to access your accounts anytime, anywhere. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing can get you on the road quickly with competitive rates and flexible terms. For those considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services make the process smooth and hassle-free. We're here to guide you every step of the way.

Shared Branch Transactions

If you're a member of partner credit unions, enjoy the benefit of basic shared branch transactions right here at 1st Advantage. This means even more flexibility when it comes to managing your accounts. With all these services and more offered right here at 1st Advantage, we aim to make banking as easy as possible for you. Our friendly staff is always ready to assist with any questions or concerns. For more information or to open an account today, give us a call at 757-877-2444 or visit us online at 1stadvantage.org. Join us and experience banking that truly puts you first!

Digital & Online Banking

Key Services

Our online banking service, available at https://www.1stadvantage.org/, allows you to access your accounts 24/7. Whether you want to check your balance, transfer funds, or pay bills, everything is just a click away. Plus, with our mobile application, managing your finances on the go has never been simpler. You can download the app and enjoy all the features right from your smartphone. Need to send money quickly? Our person-to-person transfer feature makes it easy to send cash to friends or family instantly. Just a few taps and you're done! And if you prefer going paperless, we offer e-statements for those who want to stay organized while reducing clutter.

Security and Convenience

Security is our top priority. We provide electronic signature authorization for important documents, ensuring that your transactions are safe and legitimate. With mobile payments, you can make purchases using your phone without worrying about carrying cash or cards. At 1st Advantage, we strive to make online banking as convenient as possible while keeping your information secure. Our system is designed for ease of use so that you can manage your account in real-time without any hassle. Experience the difference with 1st Advantage's digital banking services today! Visit us at https://www.1stadvantage.org/ to learn more about how we can help you take control of your financial life with confidence.

Financial Strength

Community Trust

Total Share Accounts stand at 139,996, showing a strong and growing member base that trusts us with their finances. Our commitment to transparency and member satisfaction is what keeps us connected with 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 5386 Kempsriver Dr Ste 104 Virginia Beach Va 23464 or call (757) 877-2444 to learn more about how we can help you achieve your financial goals.

Member-Centric Focus

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. This approach allows us to invest more back into our community and improve your overall banking experience.

Operational Efficiency

Our operations remain efficient with a reported $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 216 full-time employees and 5 part-time employees who are dedicated to serving you with expertise and care.

Reinvesting for Your Benefit

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 focus on growth means more resources available for you when you need them most.

Secure Savings Options

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. These options allow our members to grow their funds securely while taking advantage of attractive interest rates.

Strong Net Worth

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.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $10,604 in used auto loans and $717,458,707 in total loans and leases. This means whether you're looking to purchase a vehicle or need financing for other projects, we're here to assist you.

Loan Offering

Additional Lending Options

For business owners, our outstanding commercial loans totaling $72,959,272 provide the capital needed to grow and expand your business ventures. We are committed to supporting local businesses by offering competitive rates and flexible terms. At 1st Advantage, we pride ourselves on not just providing loans but also offering refinancing options that could help lower your monthly payments or improve your overall financial situation. If you're interested in exploring eligibility options for any of our loan products, feel free to reach out. You can contact us at (757) 877-2444 or visit us at our branch located at 5386 Kempsriver Dr Ste 104 Virginia Beach Va 23464 in Virginia Beach, VA. We're here Monday through Friday from 9 AM to 5 PM to assist you with all your lending needs. 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 us help you take the next step towards achieving your financial dreams!

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 vehicle or a reliable used one, our team is here to guide you through the process.

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 dedicated to making the mortgage process straightforward and stress-free, with competitive rates and personalized service.

Unsecured Credit Card Loans

Managing day-to-day 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. This option provides you with the purchasing power you need without putting up collateral.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced 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 ensures that users receive fair and transparent offers. Each comparison reflects current market conditions, allowing users to see exactly what each lender offers without any hidden agendas.

1St Advantage