1st Advantage Williamsburg VA Credit Union | Quick Personal Loans & Business Banking

Introduction

Welcome to 1st Advantage, where your financial well-being is our top priority! Located at 4800 Courthouse St, Williamsburg, VA 23188, we have proudly served our community since 1951. With a total membership of over 70,741 individuals, we are committed to providing personalized banking solutions tailored to meet your unique needs. At 1st Advantage, we understand that trust is vital in the banking world. That's why we've built a solid foundation based on integrity and transparency. Our total assets stand at an impressive $1,000,428,625, ensuring that we have the resources needed to support you in achieving your financial goals. We believe in empowering our members with various services, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. As of now, we have successfully facilitated 44,912 loans and leases for our members. In addition to this, our deposits total $86,512,535, demonstrating the confidence our community has in us. Led by our dedicated CEO, Paul Muse, and Board President Sylvester McClellan, our team of 221 employees is here to serve you. We invite you to visit us or call at 757-877-2444 for any inquiries or assistance regarding your financial needs. While members can visit us at our branch location, please note that official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116. Join us today at 1st Advantage and experience the difference a member-focused credit union can make in your life! For more information about our services or to open an account online, please visit our website. We look forward to welcoming you into our family!

Branch History & Mission

Join Us Today

As we look towards the future, we invite you to join the 1st Advantage family. Experience firsthand how we blend traditional values with modern banking solutions designed just for you. Whether you're looking for a loan or need help managing your finances, we're here to support you every step of the way. Visit us or call 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 and discover what makes being a member of 1st Advantage so special!

Our Journey

From the day we opened our doors, our mission has been clear: to provide exceptional financial services while fostering a sense of community. Over the years, we've celebrated numerous milestones that reflect our growth and dedication. With total assets now exceeding $1 billion, we've expanded our offerings to include personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. This evolution allows us to meet the diverse needs of our members better than ever before. As part of the larger 1st Advantage family headquartered in Newport News, VA, we have built strong connections within the local community. Our commitment extends beyond just banking; we actively engage in partnerships and outreach efforts that uplift those around us. We believe in giving back because a thriving community benefits everyone.

Our Mission

At the heart of 1st Advantage is our mission: to empower our members financially while supporting their aspirations and dreams. We understand that every member's journey is unique. That's why we prioritize personalized service and strive to create an inclusive environment where all individuals feel valued. While you can visit us at 4800 Courthouse St, please note that official correspondence should be directed to PO Box 2116, Newport News, VA 23609-0116 if necessary. In today's fast-paced world, we embrace technological advancements to make banking easier for you. Our services include online and mobile banking options for convenient access anytime you need it. We also ensure ADA compliance so everyone can use our services comfortably.

Branch Location & Accessibility

Accessibility Features

At 1st Advantage, we prioritize accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and spacious areas to ensure everyone can navigate comfortably. Ample parking is available right outside the entrance, allowing for quick and easy access without the hassle of searching for a spot.

Convenient Location

Nestled in James City County, our branch is conveniently situated near popular local landmarks, making it a breeze to incorporate banking into your daily routine. You'll find us just a short drive from the vibrant shops and restaurants of Williamsburg, making it easy to run errands before or after your visit.

Get in Touch

Ready to experience the difference at 1st Advantage? We invite you to stop by our New Town Branch or give us a call at 757-877-2444. Our friendly staff looks forward to welcoming you!

Operating Hours

We understand that life can be busy, which is why we offer flexible hours to serve you better. You can visit us Monday through Friday from 9 AM to 5 PM and on Saturday from 9 AM to 1 PM. Whether you're looking to open a new account or discuss loan options, our knowledgeable staff is ready and eager to help during these hours.

Services Offered

Our New Town Branch offers a variety of services tailored to meet your banking needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we are committed to helping you achieve your financial goals. For added convenience, we also provide ATM access and basic drive-thru banking services for deposits and withdrawals.

Member Eligibility

At 1st Advantage, we believe in creating a welcoming community where everyone can thrive. If you're interested in joining us, becoming a member is easier than you might think! To be eligible for membership at our Williamsburg branch, located at 4800 Courthouse St, you just need to meet a few simple criteria. Generally, anyone who lives, works, worships, or attends school in our service area is welcome to join. This means you can enjoy all the benefits of membership from personalized banking services to competitive loan rates designed with your financial well-being in mind. Ready to take the next step? You can find detailed eligibility information by visiting this link. When you're ready to open an account, just head over to this page for a smooth application process. If you have any questions or need assistance, feel free to give us a call at 7578772444. We're excited to welcome you into our family!

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

In addition to our loan offerings, we provide top-notch merchant services designed to simplify transactions for your business. Think about how easy it would be to accept payments through various channels, from card swipes at your storefront to online payments on your website. This convenience not only enhances customer satisfaction but also helps streamline your operations. Located at 4800 Courthouse St Williamsburg Va 23188 in Williamsburg, VA, we're here to help you navigate the path to success. Call us today at (757) 877-2444 to explore how we can support your business journey!

Comprehensive List Of Services

Business Support

For business owners, we offer tailored solutions under our Business Banking umbrella. From merchant services that make transactions easy to flexible business loans that help you grow, we're dedicated to helping local businesses thrive.

Convenient Access

We understand that convenience is key. That's why we provide Online & Mobile Banking, making it easy to check balances, transfer funds, and pay bills all at your fingertips. Plus, with an ATM available right at our branch and drive-thru services for quick deposits and withdrawals, managing your money has never been easier.

Credit Cards and Rewards

Looking for a credit card that gives back? Our Credit Cards with Rewards program allows you to earn points on every purchase. Picture yourself enjoying rewards just for using your card it's that simple!

Get Started Today!

Ready to explore how 1st Advantage can support your financial needs? Call us at 757-877-2444 or visit us online at 1st Advantage for more information on opening an account or applying for a loan. We're excited to partner with you on this journey!

Home Sweet Home

When it comes to home ownership, our Mortgage Loans & Refinancing options are designed with you in mind. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, we guide you through the process so you feel confident in your decisions.

Personal Banking Made Easy

For individuals seeking to manage their everyday finances, our Personal Banking options include checking and savings accounts tailored to fit your lifestyle. Imagine easily tracking your spending and saving goals through our user-friendly online banking platform. With features like e-statements and mobile payments, you can access your accounts whenever you need, right from your phone or computer. If you're considering a new vehicle, our Auto Loans & Vehicle Financing solutions provide competitive rates that make driving off in your dream car a reality. Need extra cash for unexpected expenses? Our Personal Loans & Debt Consolidation services can help simplify your finances and ease that burden.

Digital & Online Banking

Key Services

With our online banking platform, accessible at https://www.1stadvantage.org/, you have the flexibility to check your balance, pay bills, and transfer funds anytime, anywhere. Our 24/7 online banking services mean that you're never far from your accounts. Plus, if you prefer using your smartphone, our mobile application makes banking even easier. You can download it today for quick access to all your banking needs. Security is a top priority for us. Our electronic signature authorization feature allows you to sign documents securely without needing to visit a branch, making processes faster and more convenient. We also offer e-statements so you can view your account statements online without the clutter of paper. For those moments when you need to send money to a friend or family member instantly, our person-to-person transfer service is here for you. Just a few taps on your phone can get the job done quickly and easily. Additionally, with mobile payments enabled, you can make purchases directly from your device no need for cash or cards. At 1st Advantage, we believe in providing services that are not just user-friendly but also designed to give you real-time control over your finances. With everything we offer, managing your money has never been more accessible or secure!

Financial Strength

Dedicated Team

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. Each employee is trained to help you navigate your financial journey effectively.

Growing Member Base

Total Share Accounts stand at 139,996, showing a strong and growing member base that trusts us with their finances. As more individuals choose 1st Advantage as their financial partner, it reinforces our position as a reliable institution within the 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 4800 Courthouse St Williamsburg Va 23188 or call 757-877-2444 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $10,604 in used auto loans and a total of $717,458,707 in loans and leases. This broad range allows us to assist you whether you're looking for an auto loan or planning a home purchase.

Operational Efficiency

Our $0 net income reflects our operational efficiency as we focus on serving you rather than maximizing profits. This approach enables us to continue offering competitive loan rates and solid financial products for our members.

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. This commitment to growth allows us to adapt to your needs while ensuring your funds are handled with care.

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. 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.

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 14.65% 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 tailored financing options that can suit your budget and lifestyle. Plus, if you're considering refinancing an existing auto loan, we can assist you with that too.

Credit Lines and Business Loans

For those seeking additional flexibility, our total credit lines amount to $187,124,532. This product allows for greater control over your finances and can be a valuable tool for both personal use and business operations. Additionally, we provide commercial loans totaling $72,959,272, ensuring that business owners have access to the capital needed to grow and expand their ventures. At 1st Advantage, we're committed to offering competitive rates and personalized service. If you're interested in any of these loan products or want more information on eligibility options, don't hesitate to reach out! You can contact us at (757) 877-2444 or visit us at our location: 4800 Courthouse St Williamsburg Va 23188, Williamsburg, VA. 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 navigate your financial journey today!

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. Whether you are a first-time homebuyer or looking to take advantage of lower interest rates through refinancing, our experienced team is here to guide you through the process.

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 cards come with benefits designed to ease your spending while providing you with the purchasing power you need.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its focus on Verified Data. All loan offers are sourced from legitimate financial institutions, ensuring you see only trustworthy options. Additionally, LendMesh operates without Sponsored Listings, meaning lenders are not prioritized based on paid promotions. Instead, the platform's goal is to provide unbiased results so you can make informed decisions. With Real-Time Rate Comparisons, users have access to up-to-date loan rates from multiple institutions. This capability empowers you to quickly assess your options and choose a loan that fits your financial situation best. 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!" Such testimonials highlight the effectiveness of the tool in helping individuals secure better rates. Take control of your borrowing experience today. Compare real-time loan offers 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.

1St Advantage