Rates

*APY = Annual Percentage Yield. Qualified Member Rewards Money Market accounts earn 2.00% APY on balances up to $10,000 and 0.05% APY on balances over $10,000. Non-Qualified account balances earn 0.05% APY. Qualified members must have a 1st Advantage Checking Account with 10 posted Debit Card transactions (excluding ATM transactions) per month and one or more ACH Direct Deposit transactions posted in each calendar month. Failure to meet any one of these requirements during a calendar month will cause the account to default to the Non-Qualified account rate of 0.05% APY. APY as of 11/6/2025 and is subject to change. Dividends compounded monthly. No minimum balance to open. Fees may reduce earnings. This offer can be withdrawn at any time. Limit of one Member Rewards Money Market per qualified member number.

**Grandfathered account – closed to new account openings. Available only to existing holders of this account type.

*APY = Annual Percentage Yield. ** Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 11/6/2025 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444.
For additional information on your account please see your Membership & Account Agreement. For additional information about fees please see the Fee Schedule.

**Grandfathered account – closed to new openings. Available only to existing holders of this account type.

**APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 11/6/2025 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444.

For additional information on your account please see your  Membership & Account Agreement. For additional information about fees please see the Fee Schedule.

$500 Minimum balance to open for all shares except 40 Month ($5,000 Minimum). A penalty and/or account closure will be imposed for withdrawals before maturity. Fees may reduce earnings. For additional information on your account please refer to the Rate & Fee Schedule and/or Membership & Account Agreement. If you have any questions or require current rate information please call the Credit Union at 757-877-2444.

Standard Certificates include: 12-month, 24-month, 36-month, 48-month, and 60-month terms. All other certificates are special.

*Member has option to bump up rate one time during term. Effective Date: 11/6/2025.

**4-month, 6-month, and 8-month terms are not available for IRA Certificates.

***To qualify for 8-month certificate rate of 3.50% APY, member must have direct deposit to any 1st Advantage checking account. If no direct deposit, rate is 3.25% APY. Additional offers may not be combined.

*APR = Annual Percentage Rate. Current APR as of 1/7/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 5.34% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.

*APR = Annual Percentage Rate. Current APR as of 1/7/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 5.34% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.

*APR = Annual Percentage Rate. Current APR as of 1/7/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay setup and .50% discount for refinancing. Regardless of available discounts, 3.99% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. 

**APR = Annual Percentage Rate. Current APR as of 1/7/2026. Rates and terms based on credit criteria. Credit restrictions apply. Rates as low as 3.99% APR for up to 48 months assumes excellent credit. Minimum credit score of 640 required to qualify for promotion. Vehicle must be a 2023 or newer. Existing 1st Advantage loans are not eligible for refinance. Not valid with any other offer. Maximum interest rate is 17.95%. The minimum refinance loan amount is $5,000. Review your existing loans carefully to borrow the exact amount you need. Fixed-Rate Loans: The interest rate charged, and the annual percentage rate are constant for the life of the loan. 1st Advantage reserves the right to cancel this promotion at any time. Contact 1st Advantage for details.

^APR = Annual Percentage Rate. Current APR as of 1/7/2026. Rates and terms based on credit criteria. Credit restrictions apply. Rates as low as 4.75% APR for up to 75 months assumes excellent credit. Minimum credit score of 640 required to qualify for promotion. Vehicle must be a 2023 or newer. Existing 1st Advantage loans are not eligible for refinance. Not valid with any other offer. Maximum interest rate is 17.95%. The minimum refinance loan amount is $5,000. Review your existing loans carefully to borrow the exact amount you need. Fixed-Rate Loans: The interest rate charged, and the annual percentage rate are constant for the life of the loan. 1st Advantage reserves the right to cancel this promotion at any time. Contact 1st Advantage for details.

^^APR = Annual Percentage Rate. Current APR as of 1/7/2026. Rates and terms based on credit criteria. Credit restrictions apply. Rates as low as 5.24% APR for up to 60 months assumes excellent credit. Minimum credit score of 640 required to qualify for promotion. Vehicle must be a model year 2020-2022. Existing 1st Advantage loans are not eligible for refinance. Not valid with any other offer. Maximum interest rate is 17.95%. The minimum refinance loan amount is $5,000. Review your existing loans carefully to borrow the exact amount you need. Fixed-Rate Loans: The interest rate charged, and the annual percentage rate are constant for the life of the loan. 1st Advantage reserves the right to cancel this promotion at any time. Contact 1st Advantage for details.

*APR = Annual Percentage Rate. Current APR as of 1/7/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.84% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.

*APR = Annual Percentage Rate. Other terms available. Current APR as of 1/7/2026. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with auto pay setup & .25% discount on B+ and higher credit scores with 80% LTV.
Regardless of available discounts, 6.84% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. All Recreational Vehicle loans require a minimum 20% cash down payment.

*APR = Annual Percentage Rate. Current APR as of 1/7/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.84% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.

*APR = Annual Percentage Rate. Current APR as of 1/7/2026. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on loan term and creditworthiness (credit score and history). Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV.

* Annual Percentage Rate (APR) is variable and currently ranges from 11.25% to 17.95% and is accurate as of 1/7/2026. Your APR is determined by program selected and credit history. All other information will be disclosed when you receive your card in the mail. Please contact the credit union at 757-877-2444 with questions or concerns.
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1. APR: Annual Percentage Rate. Fixed 5.250 %/ 5.288% APR for the first five years. The interest rate is current as of 12/8/2025. No Private Mortgage Insurance. Up to 80% LTV for purchases. Maximum loan amount is $510,400. After the five-year fixed-rate period, your interest rate is subject to change- up or down according to market rates at the time of reset and each five years thereafter. Offer applies to borrowers with a credit score of 720 or better depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $200,000, 5-year Adjustable-Rate Loan at 5.250 %/ 5.288% APR and 80% loan-to-value (LTV) is $1,104.41 Rate is variable and can increase by no more than 2% every 5 years with a lifetime maximum adjustment of 5%. Since the index in the future is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 5 years, the maximum payment is $1,364.35. Property insurance and, if applicable, flood insurance is required. These payments do not include taxes and insurance premiums. The actual payments will be greater and rates provided are based on current market rates, and are informational only. Payments are estimates and include only principal and interest. Some restrictions may apply. This rate is applicable for owner-occupied purchase of a single-family dwelling.

2. APR: Annual Percentage Rate. Fixed 5.750% / 5.796% APR for the first five years. The interest rate is current as of 12/8/2025. No Private Mortgage Insurance. Up to 80% LTV for purchases. Minimum loan amount is $510,400. After the five-year fixed-rate period, your interest rate is subject to change- up or down according to market rates at the time of reset and each five years thereafter. Offer applies to borrowers with a credit score of 720 or better depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $510,000, 5-year Adjustable-Rate Loan at 5.750% / 5.796% APR and 80% loan-to-value (LTV) is $4,706.63. Rate is variable and can increase by no more than 2% every 5 years with a lifetime maximum adjustment of 5%. Since the index in the future is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 5 years, the maximum payment is $5,778.01. Property insurance and, if applicable, flood insurance is required. These payments do not include taxes and insurance premiums. The actual payments will be greater and rates provided are based on current market rates, and are informational only. Payments are estimates and include only principal and interest. Some restrictions may apply. This rate is applicable for owner-occupied purchase of a single-family dwelling.

3. APR: Annual Percentage Rate. The interest rate is current as of 12/8/2025. Rates and terms based on credit criteria. Credit restrictions apply. The interest rate charged and the annual percentage rate are constant for the life of the loan. Assuming a $200,000 loan amount, a 15-year term, and a 5.449% APR, you would make monthly payments of $1,607.76. Payments are estimates only and only include principal and interest. Minimum/Maximum: The minimum refinance loan amount is $50,000. Interest rates are subject to change and are based on credit score, loan product, loan term, and loan value.

4. APR: Annual Percentage Rate. The interest rate is current as of 12/8/2025. Rates and terms based on credit criteria. Credit restrictions apply. The interest rate charged and the annual percentage rate are constant for the life of the loan. Assuming a $200,000 loan amount, a 20-year term, and a 5.913% APR, you would make monthly payments of $1,404.17. Payments are estimates only and only include principal and interest. Minimum/Maximum: The minimum refinance loan amount is $50,000. Interest rates are subject to change and are based on credit score, loan product, loan term, and loan value.

5. APR: Annual Percentage Rate. The interest rate is current as of 12/8/2025. Rates and terms based on credit criteria. Credit restrictions apply. The interest rate charged and the annual percentage rate are constant for the life of the loan. Assuming a $200,000 loan amount, a 30-year term, and a 5.872% APR, you would make monthly payments of $1,167.15. Payments are estimates only and only include principal and interest. Minimum/Maximum: The minimum refinance loan amount is $50,000. Interest rates are subject to change and are based on credit score, loan product, loan term, and loan value. Private Mortgage Insurance (PMI) may not be required for purchases of up to 95% LTV.

6. APR: Annual Percentage Rate. Rates and terms based on credit criteria. Credit restrictions apply. Fixed 5.250% rate/ 5.288% APR for the first five years. The interest rate is current as of 12/8/2025. No Private Mortgage Insurance. Up to 100% LTV for purchases. Minimum loan amount is $100,000 and maximum loan amount is $1,500,000. After the five year fixed-rate period, your interest rate is subject to change- up or down according to market rates at the time of reset and each five years thereafter. Offer applies to medical professionals (licensed residents/interns/fellows in MD, DO, DPM, DDS, DVM, NP, PA and other practicing medical professionals with master’s level education and above. Borrower must have a credit score of 670 or better depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $200,000, 5-year Adjustable-Rate Loan at 5.250% rate/ 5.288% APR and 80% loan-to-value (LTV) is $1,104.41. Payments are estimates and include only principal and interest. Rate is variable and can increase by no more than 2% every 5 years with a lifetime maximum adjustment of 5%. Since the index in the future is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 15 years, the maximum possible payment is $1,364.35. Property insurance and, if applicable, flood insurance is required. These payments do not include taxes and insurance premiums. The actual payments will be greater, and rates provided are based on current market rates, and are informational only. Some restrictions may apply. This rate is applicable for owner-occupied purchase of a single-family dwelling. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Interest rates are subject to change and are based on credit score, loan product, loan term, loan value, and reserves.

7. APR: Annual Percentage Rate. Rates and terms based on credit criteria. Credit restrictions apply. The interest rate is current as of 12/8/2025. No Private Mortgage Insurance. Up to 100% LTV for purchases. Minimum loan amount is $100,000 and maximum loan amount is $1,500,000. Offer applies to medical professionals (licensed residents/interns/fellows in MD, DO, DPM, DDS, DVM, NP, PA and other practicing medical professionals with master’s level education and above. Borrower must have a credit score of 670 or better depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 25 year, $200,000 fixed rate loan at 5.750% / 5.888% APR and 80% loan to value (LTV) is $1,258.21. Payments are estimates and include only principal and interest. Property insurance and, if applicable, flood insurance is required. These payments do not include taxes and insurance premiums. The actual payments will be greater, and rates provided are based on current market rates, and are informational only. Some restrictions apply. This rate is applicable for owner-occupied purchase of a single-family dwelling. The interest rate charged, and the annual percentage rate are constant for the life of the loan. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Interest rates are subject to change and are based on credit score, loan product, loan term, loan value, and reserves.

8. APR: Annual Percentage Rate. Rates and terms based on credit criteria. Credit restrictions apply. The interest rate is current as of 12/8/2025. No Private Mortgage Insurance. Up to 100% LTV for purchases. Minimum loan amount is $100,000 and maximum loan amount is $1,500,000. Offer applies to medical professionals (licensed residents/interns/fellows in MD, DO, DPM, DDS, DVM, NP, PA and other practicing medical professionals with master’s level education and above. Borrower must have a credit score of 670 or better depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30 year, $200,000 fixed rate loan at 6.000% / 6.124% APR and 80% loan to value (LTV) is $1,199.10 Payments are estimates and include only principal and interest. Property insurance and, if applicable, flood insurance is required. These payments do not include taxes and insurance premiums. The actual payments will be greater, and rates provided are based on current market rates, and are informational only. Some restrictions apply. This rate is applicable for owner-occupied purchase of a single-family dwelling. The interest rate charged, and the annual percentage rate are constant for the life of the loan. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Interest rates are subject to change and are based on credit score, loan product, loan term, loan value, and reserves.

9. APR: Annual Percentage Rate. Rates and terms based on credit criteria. Credit restrictions apply. Fixed rate 5.500%/ 5.365% APR for the first five years. The interest rate is current as of 12/8/2025. No Private Mortgage Insurance. Up to 100% LTV for purchases. Minimum loan amount is $50,000 and maximum loan amount is $726,200. After the five year fixed-rate period, your interest rate is subject to change- up or down according to market rates at the time of reset and each five years thereafter. Offer applies to first time home buyers only. Loan must be for borrowers’ first home purchase or they have not owned a home in the last three years. Borrower must have a credit score of 640 or better depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $250,000, 5-year Adjustable-Rate Loan at 5.500%/ 5.365% APR and 100% loan-to-value (LTV) is $1,419.47. Payments are estimates and include only principal and interest. Rate is variable and can increase by no more than 2% every 5 years with a lifetime maximum adjustment of 5%. Since the index in the future is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 15 years, the maximum possible payment is $1,748.04. Property insurance and, if applicable, flood insurance is required. These payments do not include taxes and insurance premiums. The actual payments will be greater, and rates provided are based on current market rates, and are informational only. Some restrictions may apply. This rate is applicable for owner-occupied primary residence purchase of a single-family dwelling. Must be the borrower’s first home purchase or have not owned a home in the last three years. Automatic payment set-up is required. Borrowers must attend a virtual or in person first-time home buyer course. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Interest rates are subject to change and are based on credit score, loan product, loan term, loan value, and reserves.

*APR = Annual Percentage Rate. Current APR as of 1/7/2026 is 6.49% APR for 5 years, 6.70% APR for 10 years, 6.74% APR for 15 years and 6.99% APR for 20 years. Assumes great credit, loan is in first lien position and <80% loan to value. If loan is in second lien position and is greater than 80% loan to value, add 1% to the above rate for each term.  Other terms available and rates will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. No closing costs, excluding appraisal fee if required, for new loans of $250,000 or less. If you close your loan within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. If used for home purchase, loan must be in second position and is excluded from no closing costs. Property insurance is required, flood insurance may be required. Certain restrictions apply.

Plus, no closing costs!*

Don’t wait, apply now! Call 757-877-2444 or Apply Now

*APR= Annual Percentage Rate. Current APR as of 12/22/2025. Introductory rate of 3.89% fixed APR for first nine months. Thereafter, variable APR adjusted monthly based on Wall Street Journal Prime Rate (index) + a margin for the life of the loan. Current APR as of 1/7/2026 is 6.75% APR, includes + 0.00 margin and assumes great credit and loan to value < 80%. Minimum floor rate of 3.89% APR and a maximum rate of 18% APR. Introductory rate includes 0.50% discount for having a direct deposit into a 1st Advantage account and 0.50% discount for auto payment. Rates and terms will vary depending upon loan-to-value, loan amount, loan term, lien position, and credit qualifications. No closing costs, excluding appraisal fee if required, for new loans of $250,000 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.

Current APY as of 11/6/2025. Rates are subject to change at any time and are not guaranteed. For additional information on your account please refer to the Business Fee Schedule.

*APY = Annual Percentage Yield. Qualified accounts earn up to 2.00% APY on balances up to $50,000 and 0.05% APY on balances over $50,000. Non-Qualified account balances earn 0.05% APY. Qualified accounts must have direct deposit to any 1st Advantage checking account each month. Failure to meet this qualification during a month will cause the account to default to the Non-Qualified account rate of 0.05% APY. APY as of 11/6/2025 and is subject to change. $100 minimum average daily balance to earn dividends. Dividends compounded monthly. Limit one (1) High-Yield Savings account per member. No minimum balance to open. Fees may reduce earnings. This offer can be withdrawn at any time. Rates subject to change. Insured by NCUA.

*APY = Annual Percentage Yield. ** Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 11/6/2025 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333.

*APY = Annual Percentage Yield. ** Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 11/6/2025 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-877-2444.
For additional information about fees please see the Business Fee Schedule. If you have any questions or require current rate information please call the credit union at 757-877-2444.

**Grandfathered account – closed to new openings. Available only to existing holders of this account type.

$500 Minimum balance to open for all shares except 40 Month ($5,000 Minimum).

*Member has option to bump up rate one (1) time during term.

Dividends calculated on average daily balance and compounded quarterly. The rates listed are accurate and effective as of 11/6/2025. Rates & terms are subject to change without notification. A penalty and/or account closure will be imposed for withdrawals before maturity. For additional information on your account please refer to the Business Fee Schedule.

***To qualify for 8-month certificate rate of 3.50% APY, member must have direct deposit to any 1st Advantage checking account. If no direct deposit, rate is 3.25% APY. Additional offers may not be combined.