1st Advantage Federal Credit Union is a member-owned financial institution serving residents and employees within its field of membership, rooted in the cooperative credit union model that prioritizes member needs and democratic governance. Founded on principles of mutual aid and financial stewardship, the organization operates as a not-for-profit entity, allocating earnings to support member services, account accessibility, and prudent risk management. Its history reflects growth through community engagement and collaborative credit union practices, aligning its development with the broader evolution of cooperative finance in the United States.
Located at 5003 West Mercury Boulevard in Hampton, Virginia, the credit union provides core financial services designed to meet everyday banking needs. Its operational scope typically encompasses savings and checking products, loan offerings, and online-access solutions, delivered through member-focused channels. As a local financial institution, it maintains regulatory compliance, a commitment to financial education, and steady oversight to ensure safety and soundness for its membership.
Better than 47% of providers in Hampton
In addition to the primary service, 1st Advantage Federal Credit Union also offers:
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1st Advantage Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
1st Advantage Federal Credit Union is listed as a financial service provider in Hampton, VA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask 1st Advantage Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from 1st Advantage Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare 1st Advantage Federal Credit Union with other providers in Hampton and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
1st Advantage Federal Credit Union has a rating of 4.5, which is better than 47% of providers in Hampton.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents 1st Advantage Federal Credit Union requests. It is always best to call ahead using the phone number on this page so 1st Advantage Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, 1st Advantage Federal Credit Union also offers: Credit union, ATM.