- IRA Center NEW!
- Credit Card Services
- Mortgage Access (1A)
- Mortgage Access (MAM)
- Reorder Checks
- Visa Gift Card
- Apply for an IRA

- Credit Counseling
- Payday Advance
- SMARTMOVE
- Calculators

+ Electronic Services (PDF)
+ Skip-A-Payment (PDF)

Advantage Advance (Payday Advance)
Many working individuals live paycheck-to-paycheck. When unforeseen expenses occur, all too often they turn to a payday lending institution for help. Unfortunately, these loans, also known as cash advances, quickly turn into a debt trap for borrowers. With a mere two weeks to repay the loan, many times borrowers cannot come up with the cash to pay it back. This is when the vicious cycle, flipping (extending), occurs. Each time a borrowers flips the loan, an additional fee is added to the repayment amount. This results in astronomical interest rates. The average payday borrower pays $800 to borrow $325.

Let 1st Advantage give you a low cost alternative to payday lenders plus we will help you save with Advantage Advance!

Here's How it Works:

• The maximum loan amount is $500 with a low interest rate of 17.95% APR.
• 5% of the loan advance will be deposited into a special account set up to help you save (if withdrawn, no advances for 6 months)
• You must have a 1st Advantage Checking Account with direct deposit.
• The maximum loan term is 31 days.
• Your loan must be paid in full on your next payday and is automatically drafted from your checking account.
• You must be currently employed and not under bankruptcy.
• Consumer Credit Counseling Services are offered at no charge.

Call 1-800-LOAN-443 or Apply Now

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
by the NCUA (National Credit Union Administration), a U.S. Government Agency