1st Advantage Yorktown VA Credit Union | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to 1st Advantage, your trusted partner in financial well-being since 1951. Located at 6035 George Washington Mem Hwy, Yorktown, VA 23692, we are dedicated to serving our community with integrity and care. With a total membership of 70,741 and assets exceeding $1 billion specifically, $1,000,428,625 we have built a strong foundation that supports both personal and business banking needs. At 1st Advantage, we pride ourselves on being more than just a credit union; we are a vital part of your financial journey. Whether you're looking for auto loans or savings accounts, our goal is to provide you with competitive rates and personalized service. Our current total deposits stand at $86,512,535, showcasing the trust our members place in us. Led by our experienced CEO, Paul Muse, and Board President, Sylvester McClellan, our team is committed to ensuring that each member receives the attention they deserve. We understand that every financial situation is unique; that's why we offer a range of services designed to meet your specific needs from checking and savings accounts to business loans and online banking solutions. While you can visit us at our Yorktown branch for all your banking needs, please note that official correspondence should be directed to our mailing address at PO Box 2116, Newport News, VA 23609-0116. With a dedicated workforce of 221 employees, we are here for you Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM. If you have any questions or need assistance, don't hesitate to call us at 757-877-2444. Join us today and experience the difference that a community-focused credit union can make in your life. Visit us online at 1st Advantage or stop by our branch we look forward to welcoming you!

Branch History & Mission

Commitment to Accessibility

At 1st Advantage, we pride ourselves on being accessible to everyone. We feature ADA-compliant facilities and provide multiple ways for members to interact with us whether through online banking options or at our branch. We also offer drive-thru banking services for your convenience and have an ATM available for easy access to your funds. While members can visit us at 6035 George Washington Mem Hwy, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116. Our friendly team is available from Monday to Friday from 9 AM to 5 PM and on Saturday from 9 AM to 1 PM at 757-877-2444, ready to assist you with any inquiries or services you may need.

Join Us

As we continue this exciting journey together with our members in Yorktown and beyond, we invite you to join the 1st Advantage family. Experience firsthand the benefits of being part of a credit union that genuinely cares about its members and the community. Discover how we can help you achieve your financial goals today! Visit us online at www.1stadvantage.org for more information on membership eligibility and account openings. Join us as we look forward to many more years of service and success together!

Our Mission

Our mission is simple yet profound: we strive to empower individuals and families through accessible financial services that promote financial well-being. We understand that everyone's financial journey is unique; thus, we offer a variety of products including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. We are here to support you every step of the way. Beyond banking services, we believe in the importance of community engagement. Whether it's partnering with local organizations or participating in outreach initiatives, 1st Advantage aims to uplift those around us. By prioritizing community support alongside financial growth, we work towards building a brighter future for all.

Branch Location & Accessibility

Call to Action

Have questions or want to learn more? Don't hesitate to give us a call at 757-877-2444. We invite you to stop by and experience the friendly service that makes banking easy at 1st Advantage!

Nearby Landmarks and Accessibility

We're just a short drive from popular spots like the scenic York River State Park and the bustling shopping areas along Route 17. Our location is designed with convenience in mind. Parking is readily available, and our facilities are equipped with ADA-compliant features including ramps and designated parking spaces to ensure everyone can visit us comfortably. While members can visit us at 6035 George Washington Mem Hwy, official correspondence should be sent to PO Box 2116, Newport News, VA 23609-0116.

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. Our lobby is open Monday through Friday from 9 AM to 5 PM and on Saturday from 9 AM to 1 PM. Whether you need assistance with personal banking or wish to explore loan options, we're here to help during these hours.

Services Offered

At our Grafton Branch, we offer a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, our team is ready to assist you. Enjoy the convenience of our drive-thru banking for quick transactions or use our ATM for easy access to cash whenever you need it.

Member Eligibility

At 1st Advantage, we believe that everyone deserves a chance to join our warm and welcoming community. Becoming a member is simple and open to anyone who lives, works, worships, or goes to school in the areas we serve. This means if you're part of our local neighborhoods, you can enjoy all the benefits that come with membership, from personalized financial services to community support. Plus, as a member of 1st Advantage, you gain access to exclusive rates on loans and savings products that truly make a difference in your financial journey. To get started, just visit us at our branch located at 6035 George Washington Mem Hwy Yorktown Va 23692 or give us a call at (757) 877-2444 for more information. You can also check out the detailed eligibility criteria on our website at https://www.1stadvantage.org/personal/membership-benefits-discounts/. Once you're ready to take the next step, opening an account is just a click away at https://members.1stadvantage.org/auth/enrollment. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Lending Options for Your Growth

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 That Matter

In addition to loans, we offer merchant services that make everyday transactions smoother. Imagine easily processing payments from customers while tracking sales data all in one place. Our solutions help simplify your operations so you can focus on what truly matters growing your business. Visit us at 6035 George Washington Mem Hwy Yorktown Va 23692 in Yorktown, VA or call us at (757) 877-2444 to learn how we can help your business achieve its goals!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small businesses, 1st Advantage offers specialized services as well. Our business banking solutions, including merchant services and business loans, are designed to help you thrive in today's competitive market. We know how vital it is for your business to have reliable financial support, which is why we're committed to helping you succeed.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services so you can manage your finances on the go. Whether it's checking balances, transferring funds, or paying bills, our user-friendly platform makes banking simple and efficient. You'll also find our ATM and cash withdrawal services readily available at various locations for easy access whenever you need it. For those who prefer face-to-face interactions, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your vehicle.

Engaging with Us

At 1st Advantage, we strive to create meaningful connections with our members. If you're interested in any of our services or want to learn more about how we can assist you in achieving your financial goals, don't hesitate to reach out! You can visit us at our branch located at 6035 George Washington Mem Hwy Yorktown VA 23692, or give us a call at 757-877-2444. Join us today and discover how 1st Advantage can empower your financial journey! Explore more about what we offer by visiting our website. We look forward to serving you!

Personal Banking Solutions

When it comes to personal banking, we offer an array of options tailored just for you. Imagine having easy access to checking and savings accounts that fit your lifestyle and help you reach your financial goals. With auto loans and vehicle financing, you can drive away in your dream car without breaking the bank. Our mortgage loans and refinancing options ensure that owning a home is within reach, making the process straightforward and manageable. If you're looking to consolidate debt or fund a special project, our personal loans can provide the financial flexibility you need. Plus, our credit cards come with rewards that make everyday purchases even more rewarding!

Digital & Online Banking

Accessible Anytime, Anywhere

The beauty of digital banking at 1st Advantage is its accessibility. Our 24/7 Online Banking Services allow you to manage your accounts whenever it suits you day or night. No more rushing to the bank before closing time; everything you need is available right from your home or on-the-go. In summary, 1st Advantage strives to provide modern banking solutions that fit into your lifestyle. Enjoy the convenience and security of our digital and online banking services today!

Convenient Features

Our online banking services come with an array of convenient features. You can enjoy the ease of E-Statements, allowing you to view your statements anytime without waiting for the mail. Need to send money to a friend? Our Person-to-Person Transfers make it quick and easy. Plus, with Mobile Payments, you can pay for purchases right from your smartphone. For those who prefer managing their finances on-the-go, our Mobile Application offers a user-friendly interface that lets you handle transactions effortlessly. Whether you're checking balances or making payments, everything is at your fingertips.

Security You Can Trust

Your security is our top priority. We utilize advanced security measures in all our digital banking services. With Electronic Signature Authorization, you can complete transactions securely without the hassle of paperwork. This means more freedom and less worry when handling your financial affairs.

Financial Strength

A Growing Community

Total Share Accounts: 139,996, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $212. 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 6035 George Washington Mem Hwy Yorktown Va 23692 or call (757) 877-2444 to learn more about how we can help you achieve your financial goals.

Member Savings and Growth

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 $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

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 lending capacity supports your financial goals with $10,604 in used auto loans and $717,458,707 in total loans and leases.

Strong Financial Health

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 are interested in financing a brand-new vehicle or a reliable used car, we have options designed to fit your budget.

Credit Lines

For those needing more flexibility in managing their finances, we provide credit lines totaling $187,124,532. This option allows you to access funds whenever needed without having to apply for a new loan each time.

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 aim to make the process as straightforward as possible, ensuring that you can secure the home you've always wanted without unnecessary stress.

Refinancing and Eligibility Options

If you're considering refinancing any existing loans or want to know about eligibility options for our products, we're here to assist you. Our knowledgeable staff can guide you through potential savings and tailor solutions that fit your unique situation. Whether you're aiming for that dream car or stepping into your new home, our loan offerings are designed with you in mind. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can support your financial journey today!

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 various benefits that can help you navigate everyday expenses while earning rewards along the way.

Loan Aggregator

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1St Advantage