1st Advantage Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, 1st Advantage Federal Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on an 8-month relationship CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.00% to 2.75% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.75% on 8 months
1st Advantage Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 4 to 60 months with a $500 minimum, including a 40-month certificate ($5,000) with a one-time bump-up option. The 8-month 4.00% APY requires direct deposit to a 1st Advantage checking account; without direct deposit the APY is 3.75%. IRA certificates are excluded. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 4 months | Share Certificate Special | $500 | 3.50% | −0.89% | Verified October 22, 2026 |
| 6 months | Share Certificate Special | $500 | 1.20% | −3.20% | Top 88% of tracked 6-month CDs · Verified October 22, 2026 |
| 8 months | Share Certificate (with direct deposit) Relationship | $500 | 4.00% | −0.45% | Verified October 22, 2026 |
| 8 months | Share Certificate (without direct deposit) Special | $500 | 3.75% | −0.70% | Verified October 22, 2026 |
| 11 months | Share Certificate Special | $500 | 2.85% | −1.69% | Verified October 22, 2026 |
| 12 months | Share Certificate | $500 | 1.00% | −3.57% | Top 92% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $500 | 2.75% | −2.12% | Top 72% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate | $500 | 2.75% | −2.20% | Top 69% of tracked 36-month CDs · Verified October 22, 2026 |
| 40 months | Share Certificate Special | $5,000 | 2.00% | −2.96% | Verified October 22, 2026 |
| 48 months | Share Certificate | $500 | 2.75% | −2.23% | Top 66% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $500 | 2.75% | −2.26% | Top 67% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are 1st Advantage Federal Credit Union's best CD rates by term?
1st Advantage Federal Credit Union's best rate is 4.00% APY on 8 months, verified October 22, 2026.
- 4 mo3.50%
- 6 mo1.20%
- 8 mo4.00%
- 11 mo2.85%
- 12 mo1.00%
- 24 mo2.75%
- 36 mo2.75%
- 40 mo2.00%
- 48 mo2.75%
- 60 mo2.75%
How much interest could a 1st Advantage Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$264.55 interest · $10,264.55 at maturity on $10,000.00.
4.00% APY · 8 months · Share Certificate (with direct deposit) · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 4 months | $57.823.50% APY · Share Certificate · Special | $115.653.50% APY · Share Certificate · Special | $289.123.50% APY · Share Certificate · Special | $578.253.50% APY · Share Certificate · Special |
| 6 months | $29.991.20% APY · Share Certificate · Special | $59.991.20% APY · Share Certificate · Special | $149.961.20% APY · Share Certificate · Special | $299.931.20% APY · Share Certificate · Special |
| 8 months | $132.284.00% APY · Share Certificate (with direct deposit) · Relationship | $264.554.00% APY · Share Certificate (with direct deposit) · Relationship | $661.384.00% APY · Share Certificate (with direct deposit) · Relationship | $1,322.764.00% APY · Share Certificate (with direct deposit) · Relationship |
| 11 months | $130.642.85% APY · Share Certificate · Special | $261.272.85% APY · Share Certificate · Special | $653.182.85% APY · Share Certificate · Special | $1,306.362.85% APY · Share Certificate · Special |
| 12 months | $50.001.00% APY · Share Certificate · Standard | $100.001.00% APY · Share Certificate · Standard | $250.001.00% APY · Share Certificate · Standard | $500.001.00% APY · Share Certificate · Standard |
| 24 months | $278.782.75% APY · Share Certificate · Standard | $557.562.75% APY · Share Certificate · Standard | $1,393.912.75% APY · Share Certificate · Standard | $2,787.812.75% APY · Share Certificate · Standard |
| 36 months | $423.952.75% APY · Share Certificate · Standard | $847.902.75% APY · Share Certificate · Standard | $2,119.742.75% APY · Share Certificate · Standard | $4,239.482.75% APY · Share Certificate · Standard |
| 40 months | $341.282.00% APY · Share Certificate · Special | $682.552.00% APY · Share Certificate · Special | $1,706.382.00% APY · Share Certificate · Special | $3,412.772.00% APY · Share Certificate · Special |
| 48 months | $573.112.75% APY · Share Certificate · Standard | $1,146.212.75% APY · Share Certificate · Standard | $2,865.532.75% APY · Share Certificate · Standard | $5,731.062.75% APY · Share Certificate · Standard |
| 60 months | $726.372.75% APY · Share Certificate · Standard | $1,452.732.75% APY · Share Certificate · Standard | $3,631.832.75% APY · Share Certificate · Standard | $7,263.672.75% APY · Share Certificate · Standard |
How 1st Advantage Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 243-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 8 of 27 tracked institutions with fresh 243-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| 1st Advantage Federal Credit Union (this institution)Share Certificate (with direct deposit) · Relationship | 8 months | $500 | Membership required · branches in VA | 4.00% | October 22, 2026 |
| PenAir Credit UnionCertificate Account · Standard | 8 months | Not stated | Membership required · branches in AL, FL, VA | 4.11% | October 22, 2026 |
| Frankenmuth Credit Union (highest tracked APY for this term)Livestock CD Special · Special | 8 months | $500 | Membership required · branches in MI | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 8 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.45% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking 1st Advantage Federal Credit Union on October 22, 2026.
About 1st Advantage Federal Credit Union
- Legal name
- 1st Advantage Federal Credit Union
- Regulator ID
- NCUA 7448
- Headquarters
- Newport News, VA
- Available in
- VA
- Total assets
- $1.1 billion
- Also known as
- Website
- www.1stadvantage.org
Source: rates read from https://www.1stadvantage.org/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at 1st Advantage Federal Credit Union?
Among the rates we track, 4.00% APY on an 8-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a 1st Advantage Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $5,000.
How does 1st Advantage Federal Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.45% versus the 8-month Treasury yield of 4.45% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are 1st Advantage Federal Credit Union CDs insured?
1st Advantage Federal Credit Union is a federally insured credit union (NCUA 7448). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at 1st Advantage Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check 1st Advantage Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from 1st Advantage Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with 1st Advantage Federal Credit Union before opening an account. This page is not financial advice.