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Become a credit union member for life with just one deposit
It’s your Advantage

Join A Credit Union That Cares About You

Discover what it means to bank with a community-focused credit union.

Where You Deposit Your Money Matters

We provide the full-service products you need to achieve your goals and the modern technology you want to take care of business.

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24/7 Access to Online Banking

Our robust Online & Mobile Banking allows you to make transfers, send money, view your balance, pay bills, and more.

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Competitive Interest Rates

Unlike most big banks, our annual profit is used to lower interest rates, making loans more affordable to all our members.

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Shared ATM & Branch Locator

Find a branch or shared ATM near you to perform various transactions and speak with a 1st Advantage representative.

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Fast & Easy Applications

Our loan applications are fast and easy-to-use. Plus, you can get pre-approval in minutes depending on the loan you choose.

Benefits of Membership

We’re focused on your priorities, listening to your unique needs, and goals.

Your financial well-being is our priority

With 1st Advantage, you can trust that we’re operating in your best interests and offer a full line of products and services to better serve you which includes…



See How You’re Eligible to Join

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.

  • Chesapeake, VA
  • Hampton, VA
  • Newport News, VA
  • Norfolk, VA
  • Poquoson, VA
  • Portsmouth, VA
  • Richmond, VA
  • Suffolk, VA
  • Virginia Beach, VA
  • Williamsburg, VA


  • Currituck, NC
  • Gates, NC
  • Gloucester, VA
  • Isle of Wight, VA
  • James City, VA
  • Mathews, VA
  • York, VA

Switch to 1st Advantage Today

When you’re ready to become a 1st Advantage member, here’s what to do next:

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Open a Savings Account

Once you’ve determined you’re eligible to join 1st Advantage, deposit at least $5 into a Savings Account — this secures your membership for life!

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Open a Checking Account

Choose from our various Checking options and set up your daily account.

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Sign Up for Direct Deposit

Speak with your employer about the paperwork you need to complete in order to have your payroll check deposited automatically into your account every pay period.

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Set Up Bill Pay

Change your Bill Pay information in Online Banking so all your bills will be paid from your new 1st Advantage account.

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Close Your Old Checking Account

Make sure all checks have cleared and direct deposits have been made before closing your account. Then make a clean break and enjoy better banking at 1st Advantage.

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Call us: 1 (800) 359-7650

Representatives are available 24/7 to assist you.

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