Interest rates can change, so can your cash flow, or your home’s value. Maybe you want to lower your monthly payments, change your loan terms, or tap into the equity in your home for other expenses. By choosing to bring your existing loans to 1st Advantage, you have the potential to save money on interest over the lifetime of your loan, and increase your monthly cash flow by lowering your payments. Our members have saved an average of $1,934* per year! Get relief from financial stress!


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Refinance Your Auto Loan

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Do you have the right auto loan that works for you and your wallet? With competitive rates, flexible terms and low monthly payments, you can leave those budget-breaking monthly car payments in your rearview mirror and keep your finances on track. Same car, better loan!

Benefits of moving your auto loan to 1st Advantage:

  • Earn up to $2001
  • No payments for 120 days1
  • Low monthly payments with competitive low rates
  • Fast and simple application process
  • No application fee
  • Financing up to 100% of the NADA retail value
  • Sign your documents on the go from your phone or computer

 


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Home Equity Line of Credit


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Now is the perfect time to take advantage of a Home Equity Line of Credit with 1st Advantage. Enjoy no closing costs and rates as low as 2.99% for 12 months and 3.25% variable APR thereafter.2 Having flexible access to credit allows you to finance that home improvement project you’ve been thinking about, cover education costs, or just to be a nice little nest egg for uncertain times.

  • Rates as low as 2.99% for 12 months and 3.25% variable APR thereafter2
  • Fast processing with local support
  • Lower monthly minimum payment option
  • Access your line for 10 years


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Credit Card Balance Transfer

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Transfer your balance today and save money! Pay off high interest credit card balances, consolidate bills and eliminate the hassle (and extra expense) of paying multiple accounts. Enjoy this special low interest rate and lower your monthly payments!

  • 1.99% promotional APR3 for 12 months, beginning from the first initiated transfer
    • After 12 months, you will be charged your standard qualifying APR for cash advances
  • No annual fee
  • Sign your documents on the go from your phone or computer

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COVID-19 Relief Loan

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We know that many members of our community have been impacted by COVID-19 in one way or another. We also understand that everyone's situation is different. This loan allows the flexibility to use the money however you need to.

  • Rates as low as 7.00% APR4 
  • Loan terms available up to 60 months
  • Defer your first payment for up to 120 days for additional financial relief
  • Sign your documents on the go from your phone or computer


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Mortgage Refinance

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Things change - so can your mortgage loan! Current mortgage interest rates are LOW. Rates fluctuate frequently, so if you've been considering refinancing your mortgage, today is the day!

  • Customized terms that fit your needs
  • Experienced mortgage loan officers available to help every step of the way
  • Save time with online pre-approval
  • Avoid the risk of rising rates by locking in your rate


*Dollar amount represents results of the 2020 1st Advantage Federal Credit Union Member Savings Campaign as of 8/1/20. The Member Savings Campaign is an internal analysis of actual yearly savings members have received by taking advantage of 1st Advantage loan products.
1. Receive a cash bonus when you refinance a loan from another financial institution with 1st Advantage. Cash bonuses are based on loan amount. Receive $200 for loan amounts of $25,000 or more; Receive $150 for loan amounts of $20,000 to $24,999.99; Receive $100 for loan amounts of $15,000 to $19,999.99; Receive $50 for loan amounts $5,000 to $14,999.99 Minimum loan amount must be over $5,000 to qualify for this offer. Only one incentive paid per loan and funds will be credited to the primary applicant’s savings account between 60-90 days of loan funding date. Existing 1st Advantage loans are not eligible for this offer. No payments for 120 days for credit scores 640+. Offer expires 7/31/2020. Contact 1st Advantage for details.
2. 2.99% fixed Annual Percentage Rate (APR) for first twelve months. Thereafter, variable APR adjusted quarterly based on Wall Street Journal Prime Rate (index) + a margin for the life of the loan. Current APR as of 8/1/2020 is 3.25% APR, includes + 0.00 margin and assumes great credit and loan to value < 80%. Minimum floor rate of 2.99% APR and a maximum rate of 18% APR. Rates and terms will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. Introductory offer not available for refinances of existing 1st Advantage home equity loan/line of credit. No closing costs, excluding appraisal fee if required, for new loans of $150,000 or less. Not available for home purchase or investment properties. If you close your line of credit within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. Property insurance is required, flood insurance may be required. Certain restrictions apply. Limited time offer.
3. Special rates are valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. Continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. 1st Advantage will not be responsible for any finance charges or late fees incurred due to nonpayment to other creditors. Any balance transfers processed after the promotional period will incur finance charges at the standard rate. Minimum Payments will be applied to balances with low APRs prior to balances with high APRs. Payment amounts over the minimum will be applied to higher APRs first. The promotional APR will remain in effect for 12 months from the transaction date of the first balance transfer. Each balance transfer will be treated as a cash advance as described in your Credit Card Agreement, will begin to accrue finance charges from the date it is posted to your account, and is subject to credit availability. If you have not activated your credit card, please call 1-800-527-7728 to do so prior to transferring any balances.
4. Loan amount, rate and term based on creditworthiness. Contact 1st Advantage for details.