Our Mission:

To enable the underserved, unbanked, and no credit population to build and fulfill dreams by taking

the Peoples "Advantage".

About Us

It is the philosophy of PAFCU to help as many of our members as possible with their credit needs. Our mission is to counsel members, showing them how to dramatically improve their credit scores so they can pay us less and help our community more.

We realize that bad things happen to good people. We also understand that under enough pressure, our members can and will make mistakes. Our members deserve a fresh start.

Finally, our goal is to come up with a solution for all of our members. Our members trust us to find solutions for them.

We Help People Get Ahead Financially.
Peoples Advantage Federal Credit Union is a financial cooperative owned by the members - committed to helping everyday people get ahead. Our focus is on people, not profits.
Get the money you need for all of life's financial demands with a low-payment loan from Peoples Advantage FCU. We create solutions for members to help them achieve their goals. Whether it’s an auto loan, personal loan or credit card - we keep our members best interest in mind.
Peoples Advantage offers many different types of accounts to help you manage your money. From savings, certificates, free checking, fresh start checking and more. We also make it easy to access your account with thousands of ATMs, mobile banking, mobile deposit and more!
We’ve developed credit education programs to teach the community how to rebuild their credit. We believe in helping our community every chance we get. Our employees are active volunteers in the communities we serve.
Map of counties we serve

As a community credit union, we serve the coolest people (that's you) who live or work in:

  • Petersburg Area Transit
  • Amelia County
  • Town of Ashland
  • Caroline County
  • Charles City County
  • Chesterfield County
  • City of Colonial Heights
  • Cumberland County
  • Dinwiddie County
  • Goochland County
  • Hanover  County
  • Henrico County
  • City of Hopewell
  • King and Queen County
  • King William County
  • Louisa County
  • New Kent County
  • City of Petersburg
  • Powhatan County
  • Prince George County
  • Sussex County
  • City of Richmond
  • Immediate family of any existing member