Credit union · NCUA insured
1st Advantage Federal Credit Union Savings Rates
1st Advantage Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Basic Savings. Rates checked October 22, 2026.
How 1st Advantage Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where 1st Advantage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Advantage Federal Credit Union
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
High-Yield Savings
Top rate
Primis Bank
3.85%APY
- Minimum
- $1
- Earns on $10,000 a year
- $385
2nd-highest rate
Langley Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
1st Advantage Federal Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Advantage Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Performance Plus Money Market
0.00%APY
No monthly maintenance fee, no minimum balance fee. Up to 6 free withdrawals/transfers per month ($10.00 fee for each excess withdrawal or transfer). Dividends compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.00% | $0 |
| $25,000 – $50,000 | 1.00% | — |
| $50,000 – $75,000 | 1.10% | — |
| $75,000 – $100,000 | 1.10% | — |
| $100,000 – $250,000 | 2.00% | — |
| $250,000 – $500,000 | 2.30% | — |
| $500,000 – $1,000,000 | 3.25% | — |
| $1,000,000 and up | 4.00% | — |
Sources (3)
- 1stadvantage.org/personal/money-market-accounts
- 1stadvantage.org/rates
- 1stadvantage.org/two-great-options-to-grow-your-savings
All captured Sep 19, 2026
High-Yield Savings
2.00%APY
Limit one (1) High-Yield Savings account per member. No minimum balance to open. Dividends compounded monthly. $100 minimum average daily balance to earn dividends. No monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $50,000Earns 2.00% APY on balances up to $50,000. $100 minimum average daily balance to earn dividends. Compounded monthly. Limit one account per member. | 2.00% | $200 | Earns 2.00% APY on balances up to $50,000. $100 minimum average daily balance to earn dividends. Compounded monthly. Limit one account per member. |
| $50,000 and upEarns 0.05% APY on balances over $50,000. Compounded monthly. | 0.05% | — | Earns 0.05% APY on balances over $50,000. Compounded monthly. |
Sources (3)
- 1stadvantage.org/personal/savings-accounts
- 1stadvantage.org/high-yield-savings
- 1stadvantage.org/wp-content/up…ate-and-Fee-Schedule.pdf
All captured Oct 15, 2026
Basic Savings
0.05%APY
Dividends compounded quarterly. $100 average daily balance required to earn dividends. Rate may change after the account is open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded quarterly. $100 average daily balance required to earn dividends.$100 and up | 0.05% | $5 | Dividends compounded quarterly. $100 average daily balance required to earn dividends. |
Sources (2)
All captured Oct 15, 2026
Escrow
0.05%APY
Dividends compounded quarterly. $100 average daily balance required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded quarterly. $100 average daily balance required to earn dividends. No minimum opening balance.$100 and up | 0.05% | $5 | Dividends compounded quarterly. $100 average daily balance required to earn dividends. No minimum opening balance. |
Sources (2)
All captured Oct 15, 2026
Membership Savings
0.05%APY
Dividends compounded quarterly. $100 average daily balance required to earn dividends. Rate may change after the account is open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded quarterly. $100 average daily balance required to earn dividends.$100 and up | 0.05% | $5 | Dividends compounded quarterly. $100 average daily balance required to earn dividends. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Variable
0.25%APY
Dividends compounded quarterly. $100 average daily balance required to earn dividends. No deposit required to open. $5.00 monthly fee if balance is below $50.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded quarterly. $100 average daily balance required to earn dividends. $5.00 monthly fee if balance is below $50.$100 and up | 0.25% | $25 | Dividends compounded quarterly. $100 average daily balance required to earn dividends. $5.00 monthly fee if balance is below $50. |
Sources (3)
- 1stadvantage.org/personal/iras
- 1stadvantage.org/personal/savings-accounts
- 1stadvantage.org/wp-content/up…ate-and-Fee-Schedule.pdf
All captured Oct 15, 2026
Youth
0.05%APY
For teens between ages 14 to 17. Dividends compounded quarterly. $100 average daily balance required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded quarterly. $100 average daily balance required to earn dividends.$100 and up | 0.05% | $5 | Dividends compounded quarterly. $100 average daily balance required to earn dividends. |
Sources (3)
- 1stadvantage.org/personal/savings-accounts
- 1stadvantage.org/personal/checking-savings
- 1stadvantage.org/wp-content/up…ate-and-Fee-Schedule.pdf
All captured Oct 15, 2026
Closed to new customers
Member Rewards Money Market
Up to 2.00%APY
Grandfathered account – closed to new account openings; available only to existing holders of this account type. Limit of one Member Rewards Money Market per qualified member number. Dividends compounded monthly. More than 6 withdrawals or transfers per month incurs a $10.00 fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Qualified accounts earn 2.00% APY on balances up to $10,000 (and 0.05% APY on balances over $10,000). Qualified members must have a 1st Advantage Checking Account with 10 posted Debit Card transactions (excluding ATM transactions) per month and one or more ACH Direct Deposit transactions posted in each calendar month. | 2.00% | $200 | Qualified accounts earn 2.00% APY on balances up to $10,000 (and 0.05% APY on balances over $10,000). Qualified members must have a 1st Advantage Checking Account with 10 posted Debit Card transactions (excluding ATM transactions) per month and one or more ACH Direct Deposit transactions posted in each calendar month. |
| Any balanceNon-Qualified account balances earn 0.05% APY if qualifications are not met during a calendar month. | 0.05% | $5 | Non-Qualified account balances earn 0.05% APY if qualifications are not met during a calendar month. |
| $10,000 and upQualified accounts rate for portion of balance over $10,000. | 0.05% | $5 | Qualified accounts rate for portion of balance over $10,000. |
Sources (3)
- 1stadvantage.org/rates
- 1stadvantage.org/rates/personal-deposit
- 1stadvantage.org/wp-content/up…ate-and-Fee-Schedule.pdf
All captured Sep 19, 2026
Tiered Money Market Account
0.65%APY
Grandfathered account – closed to new openings; available only to existing holders of this account type. Average daily balance required to earn dividends. Dividends compounded monthly. More than 6 withdrawals or transfers per month incurs a $10.00 fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $2,500 | 0.00% | — |
| $2,500 – $10,000 | 0.50% | — |
| $10,000 – $25,000 | 0.65% | $65 |
| $25,000 – $50,000 | 0.65% | — |
| $50,000 – $75,000 | 0.65% | — |
| $75,000 – $100,000 | 0.75% | — |
| $100,000 – $250,000 | 0.75% | — |
| $250,000 – $500,000 | 1.00% | — |
| $500,000 – $1,000,000 | 1.10% | — |
| $1,000,000 and up | 1.45% | — |
Sources (3)
- 1stadvantage.org/rates
- 1stadvantage.org/rates/personal-deposit
- 1stadvantage.org/wp-content/up…ate-and-Fee-Schedule.pdf
All captured Sep 19, 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.