1st Advantage Yorktown VA Credit Union | Low Mortgage Rates & Top Checking Accounts

Introduction

Welcome to 1st Advantage, your trusted financial partner located at 110 Cybernetics Way, Yorktown, VA 23693. Established in 1951, our credit union has grown to serve over 70,741 members with a strong commitment to community and member satisfaction. As a cornerstone of financial wellness in the region, we proudly manage total assets of $1,000,428,625 and hold deposits totaling $86,512,535. At 1st Advantage, we understand that every member's financial journey is unique. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, our dedicated team is here to guide you every step of the way. With 221 employees, including our passionate CEO Paul Muse and Board President Sylvester McClellan, we ensure that our services are tailored to meet your needs. We invite you to explore the variety of services we offer through our website at 1stadvantage.org. While members can visit us at our branch location for face-to-face support, official correspondence should be directed to our mailing address: PO Box 2116, Newport News, VA 23609-0116. Your financial security is our priority. With a net worth of $146,602,757 and cash in hand amounting to $7,355,358, you can trust that your money is safe and sound with us. Join us as we continue to build lasting relationships within the community and strive for your financial success. Feel free to 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. We look forward to serving you!

Branch History & Mission

Welcome to the heart of financial support in Yorktown, Virginia 1st Advantage. Since opening our doors in 1951, we have been dedicated to serving our community with a mission rooted in cooperation and commitment. Over the decades, we have grown from humble beginnings into a thriving credit union with over 70,741 members and assets totaling more than $1 billion. Located at 110 Cybernetics Way, Yorktown, VA 23693, our branch is conveniently positioned near key landmarks, making it easy for you to access our services. We invite you to visit us during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Our drive-thru service and ATM availability ensure that your banking needs are met promptly. At 1st Advantage, our mission goes beyond just providing excellent financial services; we strive to empower individuals and foster community growth. We believe in supporting our members with a range of offerings, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our commitment to innovation means that we also provide online and mobile banking options for convenience at your fingertips. Throughout our history, we have embraced technological advancements while maintaining a strong focus on customer service. We are proud to be ADA compliant and offer various services tailored to meet the diverse needs of our members. Whether you're seeking straightforward banking solutions or looking for guidance on financial matters, our dedicated team is here to assist you. Additionally, we actively engage with local organizations and participate in community outreach efforts that make a difference right here in Yorktown. Together with our partners, we work toward improving lives and building stronger neighborhoods. If you're looking for a credit union that truly cares about its members and the community it serves, look no further than 1st Advantage. Join us today and discover how we can help you achieve your financial goals while being part of a community-focused organization. For more information or assistance, please don't hesitate to contact us at 757-877-2444 or visit our website at 1st Advantage. Experience the difference of being part of something bigger become a member today!

Branch Location & Accessibility

Convenient Access and Parking

At our branch, we prioritize accessibility for all members. The facility meets ADA compliance standards, ensuring that everyone can easily navigate our space. Ample parking is available right outside our doors, so you won't have to worry about finding a spot when you visit us.

Get in Touch

If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 757-877-2444 or visit our website at 1stadvantage.org. We invite you to come see us at 110 Cybernetics Way in Yorktown and discover how we can support your financial journey today!

Operating Hours

We know your time is valuable, which is why our lobby hours are tailored to fit your schedule. We're open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM. This means you can stop by before work or on weekends whenever suits you best!

Services Tailored for You

At 1st Advantage, we offer a variety of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we're here to help you reach your goals. Need cash in a hurry? We have an ATM on-site for quick withdrawals and balance checks. Plus, our drive-thru service allows for easy deposits and simple transactions without leaving your vehicle.

Member Eligibility

At 1st Advantage, we believe that everyone deserves a chance to be part of a supportive community that prioritizes your financial well-being. Becoming a member is simple! If you live, work, worship, or attend school in the area served by us, you're likely eligible to join. We also welcome family members of existing members, ensuring that our community continues to grow with those who share our values. To get the full scoop on eligibility details, feel free to check out our website at https://www.1stadvantage.org/personal/membership-benefits-discounts/. Joining 1st Advantage opens the door to numerous advantages such as personalized service, competitive rates on loans and savings accounts, and access to a variety of financial products tailored just for you. Ready to take the next step? Opening an account is easy! You can start the process online by visiting https://members.1stadvantage.org/auth/enrollment or give us a call at (757) 877-2444 if you have any questions. We can't wait to welcome you to our family at 110 Cybernetics Way Yorktown Va 23693!

Business Banking & Commercial Services

Merchant Services That Work

In addition to loans, we offer comprehensive merchant services designed to simplify payment processing for your business. Picture this: a seamless transaction experience that keeps your customers happy while you focus on what you do best. Whether you're running a retail shop or a service-based business, our tools can help streamline your operations and enhance customer satisfaction. Visit us at 110 Cybernetics Way Yorktown Va 23693 in Yorktown, VA, or call us at (757) 877-2444 to learn how we can support your business journey!

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

Accessible ATM Services

Need cash on the go? Our branch offers convenient ATM & Cash Withdrawal Services, along with basic drive-thru banking for quick deposits and withdrawals. Whether you're in a hurry or just prefer not to walk inside, we've made sure accessing your funds is as simple as possible. We invite you to experience all that 1st Advantage has to offer. Visit us today or give us a call at 757-877-2444 for more information about how we can assist with your financial needs. Together, let's build a brighter financial future!

Business Banking

For our entrepreneurial members, we offer comprehensive Business Banking solutions. From Merchant Services that simplify payment processing to tailored Business Loans that help you grow and thrive, we are committed to supporting local businesses in our community.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features so you can manage your accounts from anywhere at any time. With capabilities like mobile payments and person-to-person transfers, staying on top of your finances has never been easier.

Financial Support

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options can help you manage those costs effectively, allowing you to regain control over your finances. Plus, don't forget about our Credit Cards with Rewards, which offer great perks while you shop and spend.

Personal Banking Solutions

We understand that personal finance can be overwhelming, which is why our Personal Banking services are designed to simplify your life. Our checking and savings accounts offer easy access to your funds while helping you grow your savings. Need a vehicle? Our Auto Loans & Vehicle Financing options make it easier than ever to drive away in the car of your dreams without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide competitive rates and personalized support.

Digital & Online Banking

Key Features

Enjoy the benefits of e-statements, which give you quick access to your account statements without the clutter of paper. You can also sign documents electronically with our electronic signature authorization feature, making it easier to handle important transactions securely from the comfort of your home. For those on the go, our mobile application ensures that banking is always at your fingertips. You can make mobile payments effortlessly and send money directly to friends or family using our person-to-person transfer feature. Whether you're grabbing coffee or shopping for groceries, managing your funds has never been easier.

Security and Ease-of-Use

At 1st Advantage, we prioritize your security. Our online banking services are equipped with advanced security measures, so you can feel confident when accessing your financial information. Plus, our user-friendly interface makes navigating through various features simple and intuitive, whether you're tech-savvy or just getting started. With all these tools available, staying on top of your finances is straightforward and stress-free. Join us today at 1st Advantage and discover how easy it is to bank digitally!

Financial Strength

A Growing Community

Total Share Accounts stand at 139,996, showing a strong and growing member base that trusts us with their finances. This trust underscores our dedication to serving you better every day. 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 110 Cybernetics Way Yorktown Va 23693 or call (757) 877-2444 to learn more about how we can help you achieve your financial goals.

Commitment to Excellence

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.

Member-Centric Savings

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.

Reinvestment in Your Future

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 across various sectors with $10,604 in used auto loans and $717,458,707 in total loans and leases.

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. Whether you're interested in financing a brand-new vehicle or a reliable used one, we've got options that work for you.

Credit Lines

If you're considering a line of credit for ongoing expenses or emergencies, we have options available totaling $187,124,532. This gives you the flexibility to borrow only what you need when you need it.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $96,624,553, providing you with flexible terms and competitive rates to help you secure your dream home.

Refinancing Options

For those who already have existing loans and want to explore better rates or payment terms, we also provide refinancing options. Whether it's an auto loan or a mortgage loan, our team is here to guide you through the process. You can trust that our financial insights are grounded in data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Ready to take the next step? Call us at 757-877-2444 or visit us at 110 Cybernetics Way Yorktown Va 23693. Our friendly staff is here to assist you during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Let us help you find the right loan solution today!

Unsecured Credit Card Loans

Managing everyday expenses is easy with our unsecured credit card loans. We offer flexible terms on these cards, with a total of $26,284,115 in loans helping members effectively manage their finances. This can be an excellent option if you're looking for quick access to funds without the need for collateral.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 commitment to using verified data ensures that all loan offers presented are fair and transparent. Users can trust that they are viewing accurate information that reflects current market conditions.

1St Advantage