1st Advantage Williamsburg VA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to 1st Advantage, your trusted financial partner located at 224 Commons Way, Williamsburg, VA 23185. Since our establishment in 1951, we have been dedicated to serving our community with reliable banking solutions tailored to meet your needs. With over 70,741 members and a solid foundation of $1,000,428,625 in total assets, we pride ourselves on being a credit union that truly cares about its members. At 1st Advantage, we understand that financial wellness is vital to achieving your life goals. That's why we offer a variety of services ranging from personal banking including checking and savings accounts to auto loans and business banking solutions. Whether you're looking for a new vehicle or planning for your future, we're here to help you navigate the financial landscape with confidence. Our leadership team, including CEO Paul Muse and Board President Sylvester McClellan, is committed to fostering a supportive environment where our members can thrive. With 221 dedicated employees ready to assist you, we ensure that you receive personalized service every step of the way. For official correspondence, please send mail to PO Box 2116, Newport News, VA 23609-0116. We invite you to visit us at our branch or reach out via phone at 757-877-2444. Our doors are open Monday through Friday from 9 AM to 5 PM and Saturdays from 9 AM to 1 PM. Join us today and experience the difference at 1st Advantage! For more information on our services or to become a member, visit our website at 1st Advantage. We're excited to support you on your financial journey!

Branch History & Mission

At 1st Advantage, we take pride in our rich history and unwavering commitment to serving the community of Williamsburg, VA. Since our establishment in 1951, we have grown from a small credit union to a vital financial resource for over 70,741 members. Our branch, located at 224 Commons Way, Williamsburg, VA 23185, has become a trusted partner for families and businesses alike. Over the years, we have reached significant milestones that reflect our dedication to excellence and member satisfaction. With total assets exceeding $1 billion, we are equipped to provide a wide range of services including personal banking, auto loans, mortgages, and business financing. Our growth is not just about numbers; it's about the relationships we've built and the positive impact we've had on our community. At 1st Advantage, our mission is clear: to empower our members through quality financial services while fostering a sense of belonging and support within the community. We strive to make banking accessible for everyone by offering innovative solutions like online and mobile banking, ensuring that our members can manage their finances conveniently from anywhere. While members can visit us at 224 Commons Way, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116. We invite you to experience the benefits of being part of our credit union family. With features like an ATM available on-site and convenient drive-thru banking services, we prioritize your needs every step of the way. In addition to financial services, we actively engage with our community through outreach initiatives and partnerships aimed at promoting financial literacy and well-being. Our commitment extends beyond transactions; we believe in making a difference where it counts. We encourage you to join us at 1st Advantage. Whether you're looking for a new account or exploring loan options, our friendly team is ready to assist you. Connect with us at 757-877-2444 or visit our website at 1stadvantage.org to learn more about how we can help you achieve your financial goals. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to the 1st Advantage Commons Way Branch, your friendly neighborhood credit union located at 224 Commons Way in beautiful Williamsburg, VA. Nestled in James City County, our branch is easily accessible and ideally situated near popular local landmarks, making it convenient for all your banking needs. Whether you're visiting us for a quick transaction or exploring our services, we're here to serve you. While you can find us at our main location, please note that any official correspondence should be directed to PO Box 2116, Newport News, VA 23609-0116. Our branch is designed with accessibility in mind, featuring ramps and compliant facilities to ensure everyone feels welcome. You'll also find ample parking available right outside, making your visit as hassle-free as possible. Our operating hours are crafted to fit your busy schedule. We're open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM. Need assistance? Give us a call at 757-877-2444; our friendly staff is always ready to help with anything you need. At the Commons Way Branch, we offer a range of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Plus, enjoy the convenience of our drive-thru service for simple transactions and an ATM available on-site for quick cash withdrawals and balance checks. We invite you to visit us today at 1st Advantage Commons Way Branch! Experience firsthand how we can assist you with your financial journey. Your satisfaction is our top priority!

Member Eligibility

Becoming a member of 1st Advantage feels like joining a welcoming family that truly cares about your financial journey. If you're wondering about eligibility, you'll be pleased to know that joining is open to anyone who lives, works, worships, or attends school in the area. This means if you're part of the Williamsburg community or nearby, you're likely already qualified! Plus, our members enjoy a range of benefits like competitive rates on loans and access to various banking services designed with your needs in mind. For more details on eligibility criteria, feel free to explore this resource. Getting started is easy! You can open your account online in just a few minutes by visiting this link. If you have any questions or need assistance, don't hesitate to give us a call at (757) 877-2444. We're here to help you every step of the way as you take this exciting step toward securing your financial future with us at 1st Advantage, located at 224 Commons Way Williamsburg Va 23185.

Business Banking & Commercial Services

Commercial 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

Imagine having a reliable partner that simplifies payment processing so you can focus on what matters most running your business. Our merchant services offer easy-to-use solutions for accepting payments, whether in-store or online. This means faster transactions and happier customers, which can lead to increased sales and better cash flow. Visit us at 224 Commons Way Williamsburg Va 23185 in Williamsburg, VA, or call us at (757) 877-2444 to learn more about how our business banking and commercial services can help you achieve your goals.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners, our business banking services, including merchant services and business loans, are tailored to support your growth. We understand the challenges of running a business and are committed to providing solutions that help you thrive.

Convenient Access

We also value convenience in banking. Our branch features ATM services for cash withdrawals and balance checks whenever needed. Plus, our drive-thru service makes quick transactions like deposits and withdrawals easy perfect for those busy days when time is tight. With lobby hours from Monday to Friday 9 AM - 5 PM and Saturday 9 AM - 1 PM, we're here when you need us most. If you'd like assistance or have questions about any of our services, don't hesitate to call us at 757-877-2444.

Credit Options

Managing debt can be challenging, which is why we provide personal loans and debt consolidation services. Imagine simplifying your finances by consolidating multiple payments into one manageable monthly payment. It's all about making things easier for you. Additionally, our credit cards with rewards allow you to earn while you spend. Whether it's cash back on purchases or points toward travel, every swipe counts towards benefits that enhance your lifestyle.

Join Us Today!

At 1st Advantage, we are dedicated to making your banking experience as pleasant as possible while offering all the essential services under one roof. Ready to take the next step? Visit us today at our Williamsburg branch or explore more online at 1stadvantage.org. Let us help you achieve financial success!

Mortgage Loans and Refinancing

For those looking to buy a home or refinance an existing mortgage, we offer comprehensive mortgage loans and refinancing options. Our team is here to guide you through the process, ensuring you find the best rate that fits your budget. With us by your side, navigating the path to homeownership becomes much smoother.

Personal Banking Services

When it comes to personal banking, 1st Advantage offers checking and savings accounts designed with your lifestyle in mind. Imagine having easy access to your funds through our user-friendly online and mobile banking platforms. You can manage your accounts anytime, anywhere whether you're paying bills or transferring money between accounts. If you're considering buying a car or need funds for another purpose, our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank. Picture yourself driving off in that new car you've been eyeing our competitive rates help make that dream a reality.

Digital & Online Banking

Key Features

Security is always a priority at 1st Advantage. Our online platform uses advanced encryption to keep your information safe. Plus, with electronic signature authorization, you can easily sign documents without the hassle of printing or mailing them. This feature adds an extra layer of convenience while ensuring everything remains secure. If you're looking for quick access to your account statements, you'll love our e-statements. They're available at any time, giving you instant access without waiting for paper copies in the mail. This not only saves time but also helps reduce clutter. Additionally, our mobile payments feature lets you make purchases directly from your smartphone. Whether you're grabbing coffee or shopping online, it's as simple as tapping your phone no cash or cards needed! And if you need to send money to friends or family quickly, our person-to-person transfers make it easy to do so with just a few taps. Overall, at 1st Advantage, we're committed to providing user-friendly digital banking solutions that empower you to manage your finances effectively. With features like these, taking charge of your financial life has never been easier!

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 pride ourselves on maintaining a robust financial foundation to serve our community effectively. 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 impressive too; with $10604 in used auto loans and $717458707 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our $0 net income, which allows 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. Total Share Accounts stand at 139996, showing a strong and growing member base that trusts us with their finances. This reflects the trust our members place in us to manage their hard-earned money 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 224 Commons Way Williamsburg Va 23185 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. Whether you're considering financing for a brand-new vehicle or a reliable pre-owned one, our team can guide you through the process and help you find the right loan for your budget.

Credit Lines and Unsecured Loans

In addition to auto and mortgage loans, we provide access to credit lines totaling $187,124,532. This can be an excellent option for those who want flexibility in managing expenses. We also offer flexible terms on unsecured credit card loans with a total of $26,284,115 helping members manage their finances effectively. Whether you need funds for unexpected expenses or want to consolidate debt into one manageable payment plan, our credit solutions are designed with you in mind. For business owners seeking growth opportunities, our outstanding commercial loans totaling $72,959,272 provide the capital needed to grow and expand your business. We invite you to explore these loan options further and see how they can support your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at 1st Advantage where we prioritize your financial well-being!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $96,624,553, making buying or refinancing simple. We offer flexible terms and competitive rates that fit your financial situation. Our knowledgeable staff is ready to assist you with refinancing options if you're looking to lower your monthly payments or access equity in your home.

Loan Aggregator

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