--- title: "1st Advantage Credit Union: #1 HELOC in Virginia" description: "1st Advantage Credit Union has the lowest tracked HELOC rate in Virginia (4.00% APR) among 19 credit unions we verify. 1st Advantage Credit Union rates today: auto loans from 3.99% APR, HELOC from 4.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join 1st Advantage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/1st-advantage-credit-union" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # 1st Advantage Credit Union: #1 HELOC in Virginia ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan, Refinance** auto | 3.990% APR | 3.990% | — | Standard | 1st Advantage Credit Union auto & vehicle rates as of September 25, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | 4.000% APR | 3.990% | — | Standard | 1st Advantage Credit Union heloc rates as of September 25, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Debt Consolidation Loan** personal_unsecured | — APR | 8.740% | — | Standard | 1st Advantage Credit Union personal loan rates as of September 25, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **8-Month Certificate** cd_8mo | — APY | 4.00% | 8 mo | Standard | | **Money Market** money_market | — APY | 4.00% | — | Standard | 1st Advantage Credit Union savings & cd rates as of September 25, 2026 Auto loans available from 3.99% APR. HELOC rates from 4% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/1st-advantage) , verified from [1st Advantage Credit Union's official website](https://www.1stadvantage.org/) Best product position **#1 of 19** HELOC Gap to state best **0 bp** State market leader Vs. state median **250 bp better than median** HELOC Products ranked **1** across tracked Virginia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 4.00% | #1 of 19 · lowest in Virginia | State market leader | 250 bp better than median | Published rate position by product as of September 25, 2026 This is the public snapshot. Claim 1st Advantage Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=1st-advantage&state=virginia&code=VA&name=1st%20Advantage%20Credit%20Union) Loading branch locator… ## About 1st Advantage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 71.3K Assets $1.1B Founded 1951 Locations reported 12 NCUA charter 7448 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Langley FCU** Yorktown Branch · Yorktown · VA · 23692 About 1.7 miles away](https://rateapi.dev/credit-unions/virginia/langley-fcu) [**Abnb** Yorktown · Yorktown · VA · 23693-4309 About 1.8 miles away](https://rateapi.dev/credit-unions/virginia/abnb) [**Bayport** Grafton Branch · Yorktown · VA · 23692-2770 About 1.9 miles away](https://rateapi.dev/credit-unions/virginia/bayport) [**Hampton Roads Educ Credit Union Inc** Newport News Municipal Municipal Credit Union · Newport News · VA · 23602 About 3.3 miles away](https://rateapi.dev/credit-unions/virginia/hampton-roads-educ-credit-union-inc) [**Newport News Mun. Emp Credit Union** NNMECU · Newport News · VA · 23602-6989 About 3.3 miles away](https://rateapi.dev/credit-unions/virginia/newport-news-mun-emp-credit-union) [**Navy Federal Credit Union** Oyster Point VA · Newport News · VA · 23606 About 3.3 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join 1st Advantage Credit Union Membership eligibility from 1st Advantage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on 1st Advantage Credit Union's website. Check the membership page below to confirm whether you qualify. - Location hampton city, newport news city, richmond city, virginia beach city, currituck, gates, isle of wight, mathews, gloucester, james city, york — VA, NC Verified from [1st Advantage Credit Union's membership page](https://www.1stadvantage.org/join-1stadvantage/) . Final membership determination is always made by the credit union. ## Membership rules for 1st Advantage Credit Union Geography 11 counties · Family 2 27 published paths to membership, last verified August 27, 2026, quoted from 1st Advantage Credit Union’s own published criteria. Source-page proposal coverage: 2 of 4 extracted claims verified; 0 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Geography 21 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Chesapeake, VA - Currituck County, NC - Gates County, NC - Gloucester County, VA - Hampton City County, VA - Hampton, VA - Isle Of Wight County, VA - James City County, VA - Mathews County, VA - Newport News City County, VA - Newport News, VA - Norfolk, VA - Poquoson, VA - Portsmouth, VA - Richmond City County, VA - Richmond, VA - Suffolk, VA - Virginia Beach City County, VA - Virginia Beach, VA - Williamsburg, VA - York County, VA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Gloucester County, VA; Hampton City County, VA; James City County, VA; Newport News City County, VA; Richmond City County, VA; Virginia Beach City County, VA; York County, VA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family member “and to any immediate family members of current 1st Advantage members.” > [source ↗](https://www.1stadvantage.org/join-1stadvantage/) - Family member (immediate family member) of a member - Family of a member immediate family “1st Advantage membership is open to anyone who lives, works, worships or attends school in Hampton Roads and parts of Richmond and North Carolina, and to any immediate family members of current 1st Advantage members.” > [source ↗](https://www.1stadvantage.org/join-1stadvantage/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for 1st Advantage Credit Union? Yes No ## Work at 1st Advantage Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where 1st Advantage Credit Union ranks against Virginia peers. - See which AI assistants fetched 1st Advantage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=1st-advantage&state=virginia&code=VA&name=1st%20Advantage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does 1st Advantage Credit Union offer? 1st Advantage Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified September 25, 2026 directly from the credit union's official website. ### How often are 1st Advantage Credit Union rates updated? RateAPI verifies 1st Advantage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified September 25, 2026. ### Where does RateAPI get 1st Advantage Credit Union's rate data? Rate data is collected directly from 1st Advantage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are 1st Advantage Credit Union's auto loan rates? As of September 25, 2026, 1st Advantage Credit Union offers auto loans from 3.99% APR. ### What is 1st Advantage Credit Union's HELOC rate? As of September 25, 2026, 1st Advantage Credit Union offers home equity lines of credit from 4% APR. ### Who can join 1st Advantage Credit Union? 1st Advantage Credit Union publishes its membership criteria on its own website. RateAPI tracks 27 published membership paths covering 11 counties for 1st Advantage Credit Union, each quoted from 1st Advantage Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare 1st Advantage Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/virginia) [Virginia HELOC rate leaders](https://rateapi.dev/heloc-rates/virginia) [Virginia personal loan leaders](https://rateapi.dev/personal-loan-rates/virginia) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.1stadvantage.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track 1st Advantage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for 1st Advantage Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /1st-advantage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## 1st Advantage Credit Union locations Search, filter, and browse all 12 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/virginia/1st-advantage-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp