Credit union · NCUA insured
1st Advantage Federal Credit Union
A $1.1B credit union headquartered in Yorktown, VA, with 71,346 members and 12 branches in Virginia. Best rates: savings 0.05% APY.
1st Advantage Federal Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#15 of 35 in Virginia Beach, VA-NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st Advantage Federal Credit Union
Formerly known as Fort Eustis' Federal Credit Union, 1st Advantage Federal Credit Union has been serving members for 75 years.
The credit union serves Virginia with branches in Grafton, Yorktown, Hampton, Newport News, Gloucester, Richmond, Williamsburg, and Virginia Beach.
- Headquarters
- 110 Cybernetics Way, Yorktown, VA 23693
- NCUA charter
- 7448
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in specified cities (Chesapeake, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Richmond, Suffolk, Virginia Beach, Williamsburg) and counties (Currituck NC, Gates NC, Gloucester VA, Isle of Wight VA, James City VA, Mathews VA, York VA).
Family and household
- Membership is open to any immediate family members of current 1st Advantage members.
Cost to join
- Deposit at least $5 into a Savings Account to secure membership for life.
Branches
12 branches in Virginia
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Virginia
12 branches
Virginia Beach area · 11
- 1A Plaza, Kiln Creek BranchMain office110 Cybernetics Way, Yorktown, VA 23693Directions
- Gloucester Branch6511 George Washington Memorial Hwy, Gloucester, VA 23061Directions
- Mercury Branch5003 Mercury Blvd, Hampton, VA 23605Directions
- Town Center Branch2014 Coliseum Dr, Hampton, VA 23666Directions
- Denbigh Branch12891 Jefferson Ave, Newport News, VA 23608Directions
- Hidenwood Branch12368 Warwick Blvd, Suite 112, Newport News, VA 23606Directions
- Virginia Beach Kemps River Branch5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464Directions
- Commons Way Branch224 Commons Way, Williamsburg, VA 23185Directions
- New Town Branch4800 Courthouse St, Williamsburg, VA 23188Directions
- Sentara Branch400 Sentara Cir Ste 102, Williamsburg, VA 23188Directions
- Grafton Branch6035 George Washington Mem Hwy, Yorktown, VA 23692Directions
Richmond area · 1
- McGuire Branch1204 Broad Rock Blvd, Richmond, VA 23224Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.66% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.45% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.83% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalNet worth ratio16.66%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.45%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.83%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st Advantage Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.