5 star ratingAverage User Rating:
5 star rating based on 1 review.

Advancial Credit Union

Advancial Credit Union Locations
1845 Woodall Rodgers Fwy Suite 1300
Dallas, TX 752019573
800-322-2709
www.advancial.org

NCUA

Advancial Credit Union is headquartered in Dallas and is the 14st largest credit union in the state of Texas. It is also the 192nd largest credit union in the nation. It was established in 1937 and as of December of 2012, it had grown to 164 employees and 77,604 members. Advancial Credit Union's savings rates are 13% higher than the national average, and it boasts a 5-star health rating.



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See Rates for: Checking | Savings | Money Market | CD | IRA

Advancial Credit Union Checking Account Rates

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0.06%--Award Checking Account

Advancial Credit Union Savings Account Rates

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0.59%$100-Money Musketeers Starter CD
0.59%$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

Advancial Credit Union Money Market Rates

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0.21%$50k-Money Market Savings Account

Advancial Credit Union CD Rates

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1.78%$50k-5 Year Jumbo CD
1.68%$25k$50k5 Year Junior Jumbo CD
1.58%$1k$25k5 Year Regular CD
1.55%$50k-4 Year Jumbo CD
1.45%$25k$50k4 Year Junior Jumbo CD
1.35%$1k$25k4 Year Regular CD
1.33%$50k-3 Year Jumbo CD
1.23%$25k$50k3 Year Junior Jumbo CD
1.13%$1k$25k3 Year Regular CD
1.13%$50k-2 Year Jumbo CD
1.02%$25k$50k2 Year Junior Jumbo CD
0.94%$50k-18 Month Jumbo CD
0.92%$1k$25k2 Year Regular CD
0.84%$25k$50k18 Month Junior Jumbo CD
0.79%$50k-1 Year Jumbo CD
0.74%$1k$25k18 Month Regular CD
0.69%$25k$50k1 Year Junior Jumbo CD
0.68%$50k-6 Month Jumbo CD
0.61%$50k-3 Month Jumbo CD
0.59%$1k$25k1 Year Regular CD
0.58%$25k$50k6 Month Junior Jumbo CD
0.51%$25k$50k3 Month Junior Jumbo CD
0.48%$1k$25k6 Month Regular CD
0.41%$1k$25k3 Month Regular CD

Advancial Credit Union IRA Rates

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1.78%$50k-5 Year Jumbo IRA
1.78%$50k-5 Year Jumbo Roth IRA
1.68%$25k$50k5 Year Junior Jumbo IRA
1.68%$25k$50k5 Year Junior Jumbo Roth IRA
1.58%$1k$25k5 Year Regular IRA
1.58%$1k$25k5 Year Roth IRA
1.55%$50k-4 Year Jumbo IRA
1.55%$50k-4 Year Jumbo Roth IRA
1.45%$25k$50k4 Year Junior Jumbo IRA
1.45%$25k$50k4 Year Junior Jumbo Roth IRA
1.35%$1k$25k4 Year Regular IRA
1.35%$1k$25k4 Year Roth IRA
1.33%$50k-3 Year Jumbo IRA
1.33%$50k-3 Year Jumbo Roth IRA
1.23%$25k$50k3 Year Junior Jumbo IRA
1.23%$25k$50k3 Year Junior Jumbo Roth IRA
1.13%$50k-2 Year Jumbo IRA
1.13%$1k$25k3 Year Regular IRA
1.13%$50k-2 Year Jumbo Roth IRA
1.13%$1k$25k3 Year Roth IRA
1.02%$25k$50k2 Year Junior Jumbo IRA
1.02%$25k$50k2 Year Junior Jumbo Roth IRA
0.94%$50k-18 Month Jumbo IRA
0.94%$50k-18 Month Jumbo Roth IRA
0.92%$1k$25k2 Year Regular IRA
0.92%$1k$25k2 Year Roth IRA
0.84%$25k$50k18 Month Junior Jumbo IRA
0.84%$25k$50k18 Month Junior Jumbo Roth IRA
0.79%$50k-1 Year Jumbo IRA
0.79%$50k-1 Year Jumbo Roth IRA
0.74%$1k$25k18 Month Regular IRA
0.74%$1k$25k18 Month Roth IRA
0.69%$25k$50k1 Year Junior Jumbo IRA
0.69%$25k$50k1 Year Junior Jumbo Roth IRA
0.68%$50k-6 Month Jumbo IRA
0.68%$50k-6 Month Jumbo Roth IRA
0.61%$50k-3 Month Jumbo IRA
0.61%$50k-3 Month Jumbo Roth IRA
0.59%$1k$25k1 Year Regular IRA
0.59%$1k$25k1 Year Roth IRA
0.58%$25k$50k6 Month Junior Jumbo IRA
0.58%$25k$50k6 Month Junior Jumbo Roth IRA
0.51%$25k$50k3 Month Junior Jumbo IRA
0.51%$25k$50k3 Month Junior Jumbo Roth IRA
0.48%$1k$25k6 Month Regular IRA
0.48%$1k$25k6 Month Roth IRA
0.41%$1k$25k3 Month Regular IRA
0.41%$1k$25k3 Month Roth IRA

Rates updated: 5/21/2013

Data for Q4 2012


Institution Statistics


ADVANCIAL
NCUA #2285
BankRate ReportView
Year Chartered1937
Employees164
Primary Regulator

Assets and Liabilities

Assets$1.03 billion
Loans$685.74 million
Deposits$911.51 million
Equity Capital$92.64 million
Loan Loss Allowance$7.93 million
Unbacked Noncurrent Loans$6.86 million
Real Estate Owned$223,000

Historic Data - December 2011

Assets$987.16 million
Equity Capital$78.24 million
Loan Loss Allowance$8.50 million
Unbacked Noncurrent Loans$8.17 million

Profit Margin - Quarterly

Net Interest Margin3.4%
Return on Assets1.93%
Return on Equity21.58%
Interest Income$34.29 million
Non-Interest Income$28.77 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Advancial Credit Union had $7.08 million in non-current loans and owned real-estate with $100.57 million in equity and loan loss allowances on hand to cover it. This gives Advancial Credit Union a Texas Ratio of 7.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Advancial Credit Union decreased slightly from 9.42% as of December 31, 2011 to 7.04% as of December 31, 2012, resulting in a positive change of 25.23%.This indicates that the balance sheet and financial strength for Advancial Credit Union has improved slightly in recent periods.
Deposit Growth5
In the past year, Advancial Credit Union has increased its total deposits by $63.76 million, resulting in 7.52% 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.
Capitalization3
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 $1.03 billion in assets with $100.57 million in equity, resulting in a capitalization level of 9.73%, which is average.
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Great Place To Bank
5 stars - basenji08 - Friday, January 11, 2013 - 12:46 AM

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.

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