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800-322-2709
1845 Woodall Rodgers Fwy Ste 1300
Dallas, TX 75201-2260

Advancial Credit Union is headquartered in Dallas and is the 13st largest credit union in the state of Texas. It is also the 175th largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 182 employees and 85,791 members. Advancial Credit Union has a A health rating.

Field of Membership Restrictions

In order to be a member of Advancial, you must be one of the following: * A member or employee of one of our Select Employee Groups (SEGs) * An immediate family member or household member of one of the above - See Details

Reviews (1)

Great Place To Bank

I've been banking with Advancial for over 15 years. I was first drawn to Advancial by its amazing rates. They pay much higher returns on deposits than anything in the marketplace. I have come to really appreciate the personal service approach of this institution and have been pleasantly surprised at the dedication the institution has to new technology. I have been using the Advancial app and now use it exclusively for my banking. It is so feature rich and way ahead of the apps I have for B of A and Chase. I have shifted all my banking to Advancial and can't say enough good things about this credit union.



Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Advancial Credit Union had $5.29 million in non-current loans and owned real-estate with $103.91 million in equity and loan loss allowances on hand to cover it. This gives Advancial Credit Union a Texas Ratio of 5.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Advancial Credit Union decreased slightly from 6.49% as of March 31, 2013 to 5.09% as of March 31, 2014, resulting in a positive change of 21.52%.This indicates that the balance sheet and financial strength for Advancial Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, Advancial Credit Union has increased its total deposits by $38.78 million, resulting in 4.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Advancial Credit Union has shown is excellent.

Capitalization

GRADE:
C

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Advancial Credit Union has $1.18 billion in assets with $103.91 million in equity, resulting in a capitalization level of 8.84%, which is average.

Institution Statistics

Overall
NCUA #2285
Year Chartered1937
Employees182
Primary Regulator
Assets and Liabilities
Assets$1.18 billion
Loans$887.76 million
Deposits$993.04 million
Equity Capital$97.72 million
Loan Loss Allowance$6.19 million
Unbacked Noncurrent Loans$5.24 million
Real Estate Owned$59,000
Historic Data - March 2013
Assets$1.08 billion
Equity Capital$94.19 million
Loan Loss Allowance$7.45 million
Unbacked Noncurrent Loans$5.24 million
Real Estate Owned$223,000
Profit Margin - Quarterly
Net Interest Margin0.77%
Return on Assets0.38%
Return on Equity4.54%
Interest Income$9.04 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Advancial Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Advancial Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.45%$100-Money Musketeers Starter CD
0.45%$250-Dinero Teens Starter CD
0.30%$25-IRA Savings Account
0.10%$100-Savings Account
0.10%--Money Musketeers Kids Club Savings Account
0.10%--Dinero Teens Savings Account
0.10%$100-Business Savings

Advancial Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.21%$50k-Money Market Savings Account
0.21%$50k-Business Money Market

Advancial Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.06%--Award Checking Account
0.06%--Business Rewards Checking

Advancial Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.51%$50k-5 Year Jumbo CD
2.51%$50k-5 Year Business Jumbo CD
2.41%$25k$50k5 Year Junior Jumbo CD
2.41%$25k$50k5 Year Business Junior Jumbo CD
2.30%$1k$25k5 Year Regular CD
2.30%$1k$25k5 Year Business CD
2.08%$50k-4 Year Jumbo CD
2.08%$50k-4 Year Business Jumbo CD
1.98%$25k$50k4 Year Junior Jumbo CD
1.98%$25k$50k4 Year Business Junior Jumbo CD
1.88%$1k$25k4 Year Regular CD
1.88%$1k$25k4 Year Business CD
1.62%$50k-3 Year Jumbo CD
1.62%$50k-3 Year Business Jumbo CD
1.52%$25k$50k3 Year Junior Jumbo CD
1.52%$25k$50k3 Year Business Junior Jumbo CD
1.42%$1k$25k3 Year Regular CD
1.42%$1k$25k3 Year Business CD
1.14%$50k-2 Year Jumbo CD
1.14%$50k-2 Year Business Jumbo CD
1.03%$25k$50k2 Year Junior Jumbo CD
1.03%$25k$50k2 Year Business Junior Jumbo CD
0.93%$1k$25k2 Year Regular CD
0.93%$1k$25k2 Year Business CD
0.85%$50k-18 Month Jumbo CD
0.85%$50k-18 Month Business Jumbo CD
0.75%$25k$50k18 Month Junior Jumbo CD
0.75%$25k$50k18 Month Business Junior Jumbo CD
0.65%$1k$25k18 Month Regular CD
0.65%$50k-1 Year Jumbo CD
0.65%$50k-1 Year Business Jumbo CD
0.65%$1k$25k18 Month Business CD
0.59%$50k-6 Month Jumbo CD
0.59%$50k-6 Month Business Jumbo CD
0.55%$25k$50k1 Year Junior Jumbo CD
0.55%$25k$50k1 Year Business Junior Jumbo CD
0.53%$50k-3 Month Jumbo CD
0.53%$50k-3 Month Business Jumbo CD
0.49%$25k$50k6 Month Junior Jumbo CD
0.49%$25k$50k6 Month Business Junior Jumbo CD
0.45%$1k$25k1 Year Regular CD
0.45%$1k$25k1 Year Business CD
0.43%$25k$50k3 Month Junior Jumbo CD
0.43%$25k$50k3 Month Business Junior Jumbo CD
0.39%$1k$25k6 Month Regular CD
0.39%$1k$25k6 Month Business CD
0.33%$1k$25k3 Month Regular CD
0.33%$1k$25k3 Month Business CD

Advancial Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
2.51%$50k-5 Year Jumbo IRA
2.41%$25k$50k5 Year Junior Jumbo IRA
2.30%$1k$25k5 Year Regular IRA
2.08%$50k-4 Year Jumbo IRA
1.98%$25k$50k4 Year Junior Jumbo IRA
1.88%$1k$25k4 Year Regular IRA
1.62%$50k-3 Year Jumbo IRA
1.52%$25k$50k3 Year Junior Jumbo IRA
1.42%$1k$25k3 Year Regular IRA
1.14%$50k-2 Year Jumbo IRA
1.03%$25k$50k2 Year Junior Jumbo IRA
0.93%$1k$25k2 Year Regular IRA
0.85%$50k-18 Month Jumbo IRA
0.75%$25k$50k18 Month Junior Jumbo IRA
0.65%$50k-1 Year Jumbo IRA
0.65%$1k$25k18 Month Regular IRA
0.59%$50k-6 Month Jumbo IRA
0.55%$25k$50k1 Year Junior Jumbo IRA
0.53%$50k-3 Month Jumbo IRA
0.49%$25k$50k6 Month Junior Jumbo IRA
0.45%$1k$25k1 Year Regular IRA
0.43%$25k$50k3 Month Junior Jumbo IRA
0.39%$1k$25k6 Month Regular IRA
0.33%$1k$25k3 Month Regular IRA
Locations

Advancial Credit Union has 16 locations. Click to view all Advancial Credit Union locations.