1st Advantage FCU Free Advantage bonus: is $200 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$200: more than leaving it at 4.15%
The math
Bonus
+$200
Extra
+$200
Set up a direct deposit within 60 days · Spend $200 on the card within 60 days · Sign up for eStatements. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Set up a direct deposit within 60 days
- 2Spend $200 on the card within 60 days
- 3Sign up for eStatements
- Ends
- No end date listed
- Where
- Virginia, North Carolina
- Pays while it's there
- 4% a year
- Monthly fee
- None
- Closing early
- $15 within 90 days
- Bonus paid
- Usually within 90 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the 1st Advantage FCU Free Advantage bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$200.
What are the requirements?
Set up a direct deposit within 60 days; spend $200 on the card within 60 days; sign up for eStatements. Open to residents of Virginia, North Carolina.
When does it end?
No end date is listed. The terms were last checked Oct 9, 2026.