1st Advantage Williamsburg VA Credit Union | Top Auto Loans & Business Banking

Introduction

Welcome to 1st Advantage, your trusted financial partner in Williamsburg, Virginia! Located at 400 Sentara Cir Ste 102, our branch is dedicated to serving our community with a range of personal and business banking services. Since our establishment in 1951, we have grown into a robust credit union with over 70,741 members and assets exceeding $1 billion. At 1st Advantage, we pride ourselves on understanding the unique needs of our members. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, we offer tailored solutions designed to help you achieve your financial goals. With total deposits amounting to $86,512,535 and a net worth of $146,602,757, you can trust us to manage your finances securely. Our team is led by CEO Paul Muse and Board President Sylvester McClellan, both committed to fostering a welcoming environment that prioritizes your financial well-being. With a dedicated staff of 221 employees, we strive to provide top-notch service every time you visit us or reach out by phone at 757-877-2444. While you can drop by our branch for all your banking needs, please note that any official correspondence should be directed to our mailing address: PO Box 2116, Newport News, VA 23609-0116. We invite you to explore how becoming a member of 1st Advantage can benefit you. Visit our website at 1st Advantage for more information about membership options and services. Join us today and experience the difference a community-focused credit union can make in your life!

Branch History & Mission

At 1st Advantage, we take pride in our rich history and unwavering commitment to serving the community. Established in 1951, our Williamsburg branch has grown alongside its members, evolving from a small credit union into a vital financial institution with over 70,000 members and total assets of more than $1 billion. Our location at 400 Sentara Cir Ste 102, Williamsburg, VA 23188 is not just an address; it's a hub for financial growth and support for families and businesses alike. Since our inception, we have focused on providing accessible financial services that empower individuals to achieve their goals. We understand the needs of our members and work diligently to offer a range of products such as checking and savings accounts, auto loans, mortgages, and business banking solutions. Our dedicated team is available Monday through Friday from 9 AM to 5 PM to assist you with any inquiries or services you may need. Our mission extends beyond just providing financial services. At 1st Advantage, we strive to make a meaningful impact in the Williamsburg community. We believe that by investing in our local area through outreach programs and partnerships, we can help build a stronger future together. Whether it's supporting local events or collaborating with other organizations, we are committed to giving back. While members can visit us at 400 Sentara Cir Ste 102, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116. For those who prefer modern conveniences, we proudly offer ATM availability and shared service center options to ensure that accessing your funds is easy and efficient. As we look toward the future, we remain dedicated to embracing digital advancements while ensuring ADA compliance and maintaining a customer-centric approach. We are here not only as your credit union but as your partner in navigating your financial journey. Join us at 1st Advantage today and experience the supportive environment where your financial well-being matters most. Together, let's build a brighter future! Feel free to call us at 757-877-2444 for any questions or assistance you may need.

Branch Location & Accessibility

A Convenient Visit Awaits

At our Sentara Branch, we prioritize your convenience. Our location features ample parking and accessibility options to ensure every member feels welcomed. With ADA-compliant entrances and ramps, everyone can navigate our space with ease. Plus, for those who prefer online services, we offer robust digital banking options so you can manage your finances right from home.

Get in Touch!

If you have any questions or need assistance, feel free to give us a call at 757-877-2444. We're here to help you navigate your financial journey! And remember, while you can visit us at our Williamsburg location, official correspondence should be sent to PO Box 2116 in Newport News if needed. We look forward to welcoming you at 1st Advantage where we're committed to helping you achieve your financial goals! Come by today and see what we can do for you!

Operating Hours and Services

We understand that your time is valuable, which is why our lobby hours are designed to fit into your busy schedule. We're open Monday through Friday from 9 AM to 5 PM, ready to assist you with everything from personal banking needs to auto loans and mortgage refinancing. Although we don't have a drive-thru service, our friendly staff is always available inside the branch to help you with transactions quickly. For added convenience, we also provide ATM services right on-site. Need to make a quick withdrawal or check your balance? Our ATM is fully operational for your needs. Additionally, if you're a member of another participating credit union, you can take advantage of basic shared branch services here as well.

Member Eligibility

Becoming a member of 1st Advantage is like stepping into a welcoming community where your financial needs are prioritized. If you live, work, or worship in the area, you may be eligible to join us. We embrace individuals from various backgrounds, so whether you're just starting your financial journey or looking for better banking options, we're here for you! Not only will you enjoy personalized service and competitive rates, but you'll also gain access to a range of products tailored to help you thrive. For detailed eligibility criteria, feel free to check out our website at https://www.1stadvantage.org/personal/membership-benefits-discounts/. When you're ready to open an account, simply visit us at https://members.1stadvantage.org/auth/enrollment, or give us a call at (757) 877-2444. We can't wait to welcome you at our branch located at 400 Sentara Cir Ste 102 Williamsburg Va 23188!

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 essential merchant services that simplify payment processing. Imagine being able to accept payments seamlessly, whether in-store or online, enhancing customer satisfaction while boosting sales. Our merchant services help streamline transactions so you can focus on what you do best running your business. Visit us at 400 Sentara Cir Ste 102 Williamsburg Va 23188 in Williamsburg, VA, or call us at (757) 877-2444 to learn how our business banking and commercial services can empower your success!

Comprehensive List Of Services

Business Banking

For entrepreneurs, our business banking services include merchant services and business loans designed to help you grow your enterprise without unnecessary financial stress. We understand the unique challenges businesses face and are here to support your journey.

Convenient Access

At 1st Advantage, we value convenience as much as security. You can access ATM services for cash withdrawals or balance checks whenever needed. Plus, if you're a member of partner credit unions, basic shared branch transactions like deposits and withdrawals are readily available too.

Credit Cards

Don't forget about our credit cards with rewards! They're perfect for making everyday purchases while earning points towards exciting rewards. It's a simple way to get something back for spending money that you would normally spend anyway.

Digital Banking Features

In today's fast-paced world, managing your finances shouldn't slow you down. With our online and mobile banking options, you can handle everything from paying bills to transferring money between accounts with just a few taps on your smartphone. Features like electronic signatures and e-statements add layers of convenience while keeping your information secure. Whether you're in need of personal banking solutions or business support, 1st Advantage is here for you every step of the way. For more details about our services or to speak with one of our friendly representatives, please call us at 757-877-2444. Ready to take control of your financial future? Visit us at 1st Advantage today!

Loans and Financing

When it comes to financing, we have options that fit various life stages. Need a new car? Our auto loans and vehicle financing can get you on the road quickly and affordably. For those looking to settle into a new home or refinance an existing mortgage, our mortgage loans offer competitive rates to help you achieve your dream home comfortably. If you're facing unexpected expenses or want to consolidate debt, our personal loans can provide the relief you need.

Personal Banking

Our personal banking services include checking and savings accounts that help you manage your day-to-day finances effortlessly. Imagine having the flexibility to easily deposit your paycheck and save for that vacation you've been dreaming about all while accessing your funds anytime through our online and mobile banking platforms.

Digital & Online Banking

Conclusion

With all these digital banking options available at 1st Advantage, managing your money has never been easier or more secure. Embrace the convenience of modern banking today visit us online at https://www.1stadvantage.org/ and discover how we can help simplify your financial life!

Enhanced Security and Convenience

We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and verified. You'll also appreciate the option for e-statements, which provide a secure way to keep track of your account activity without the clutter of paper statements. For those on the go, our mobile application puts everything right at your fingertips. From mobile payments to easy access to account management tools, it transforms how you interact with your finances. Plus, if you're out shopping or dining, you can make quick payments directly from your phone.

Key Services

Our online banking platform at https://www.1stadvantage.org/ allows you to manage your finances with ease. You can check balances, pay bills, and transfer funds all in one place. Plus, our 24/7 online banking services ensure that you're always in control of your money, no matter where you are. Need to send money quickly? Our person-to-person transfer feature makes it simple to send funds to friends or family without any hassle. Whether you're splitting a dinner bill or paying back a loan, it's fast and straightforward.

Financial Strength

Commitment to Growth

Our financial commitment goes beyond just numbers. 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. Additionally, with $10,604 in used auto loans and $717,458,707 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Community Trust

We have built a strong foundation of trust within the community with a total of 139,996 share accounts. This shows that more people are choosing 1st Advantage as their trusted partner for managing 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 400 Sentara Cir Ste 102 Williamsburg Va 23188 or call (757) 877-2444 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your 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 operational efficiency is reflected in our $0, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial 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. We provide financing options for both new and used vehicles, making it easier for you to drive away with the car you want.

Business Loans

For business owners, our outstanding commercial loans totaling $72,959,272 provide the capital needed to grow and expand. We understand the challenges of running a business and are here to support your entrepreneurial journey.

Credit Lines

In addition to traditional loans, we offer credit lines totaling $187,124,532. This option allows you to access funds when you need them without having to apply for a new loan every time. If you're interested in refinancing any existing loans or want more information about eligibility options, feel free to reach out! We're here to help you navigate your choices and find what works best for you. You can contact us at (757) 877-2444 or visit us at our branch located at 400 Sentara Cir Ste 102 Williamsburg Va 23188, Williamsburg, VA. Our team is ready to assist you during our operating hours from Monday through Friday, 9 AM to 5 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. Choose 1st Advantage for reliable lending solutions tailored 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 can guide you through the process to ensure that you find the right mortgage solution for your needs.

Unsecured Credit Card Loans

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. These credit cards come with competitive rates and rewards programs that can fit into your lifestyle.

Loan Aggregator

Accurate Loan 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 commitment to using verified sources ensures that users receive fair and transparent offers. By focusing on compliance and accuracy, LendMesh stands out as a reliable tool for consumers looking for the best loan options.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trust in the information provided. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Users can be confident that they are seeing authentic comparisons rather than influenced rankings. - Real-Time Rate Comparisons: The platform delivers up-to-date loan rates from multiple institutions, enabling users to make timely and informed choices about their financing needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly the service is for those navigating the complexities of loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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