Credit union · NCUA insured
1st Advantage Federal Credit Union Credit Card Rates
1st Advantage Federal Credit Union credit cards start at 11.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How 1st Advantage Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where 1st Advantage Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
1st Advantage Federal Credit Union
11.50%APR
- Up to
- —
1st Advantage Standard Mastercard
Lowest rate
Hampton Roads Educators' Credit Union
6.90%APR
- Up to
- 16.90% APR
2nd-lowest rate
VECU Credit Union
7.99%APR
- Up to
- —
1st Advantage Federal Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Advantage Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
1st Advantage Rewards Mastercard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Variable APR determined by credit history. Earns 2% cash back in select bonus categories and 1% cash back on all other purchases. Method used to compute purchase balance is Average Daily Balance. |
Sources (1)
- 1stadvantage.org/personal/credit-cards · captured Oct 4, 2026
1st Advantage Standard Mastercard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Introductory promotional rate for new cardholders on purchases for the first 6 months. No balance transfer fee, no cash advance fee. |
| Ongoing | 11.50% | None | Standard variable APR determined by credit history. No balance transfer fee, no cash advance fee. Method used to compute purchase balance is Average Daily Balance. |
Sources (1)
- 1stadvantage.org/personal/credit-cards · captured Oct 4, 2026
1st Advantage World Mastercard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.74% | None | Variable APR determined by credit history. Earns 3% cash back in select bonus categories and 1% cash back on all other purchases. Method used to compute purchase balance is Average Daily Balance. |
Sources (1)
- 1stadvantage.org/personal/credit-cards · captured Oct 4, 2026
Who can join 1st Advantage Federal Credit Union
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.
Membership information collected October 4, 2026.