Advantis Credit Union

10501 SE Main St Ste 300
Milwaukie, OR 97222
503-785-2528
www.advantiscu.org

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Advantis Credit Union is headquartered in Portland and is the 5^th largest credit union in the state of Oregon. It is also the 225^th largest credit union in the nation. It was established in 1928 and as of September of 2011, it had grown to 115 employees and 43,380 members. Advantis Credit Union's savings rates are 6X the national average, and it boasts a 5-star health rating.

Advantis Credit Union Routing Number: 323075097

Advantis Credit Union Drops Cap To 25K (Forum) - 11/16/2011

They dropped their cap on fusion reward checking from 30k to 25k. The rate is still 2%. I have emailed them to see if previous members are grandfathered into the 30k cap since I did not get any notification of the change from them.

Last Day of Advantis CU's 5% CD, New 3% 12-Month CD Special - Oregon Only - 3/14/2009

This is the last day for Advantis Credit Union's special 5.00% APY 11-month CD for a maximum deposit of $50,000. Several readers have reported in my post on this deal that they were able to open this CD. It's only available at the credit union's new...

5.00% 11-Month CD ($50K Max) at Advantis Credit Union in Oregon (branch only) - 3/10/2009

Advantis Credit Union is having a grand opening special at its new Orenco branch. Part of the special includes an 11-month certificate with a very hot rate of 5.00% APY. It will only be available at the Orenco branch on March 13 and 14, 2009. Minimum...

4.40% 5-Month / 4.20% 10-Month CD at an Oregon CU (Advantis) - 4/24/2008

Advantis Credit Union has a certificate promotion with two good deals: a 4.40% APY 5-month CD and a 4.20% APY 10-month CD. The minimum deposit is $5,000, and it requires money new to the credit union. This promotion doesn't seem to be listed at the...

2007

10/8 - 3.00% Reward Checking Account at an Oregon CU (Advantis)

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

Advantis Credit Union Checking Account Rates

Apy	Min	Max	Product
2.00%	-	$25k	Fusion Checking
2.00%	$10k	-	HSA Interest Checking
0.60%	$250k	-	Platinum Checking
0.20%	$50k	-	Interest Checking
0.20%	$50k	-	Business Solutions Checking

Advantis Credit Union Savings Account Rates

Apy	Min	Max	Product
3.30%	$250k	-	Deferred Compensation Account
1.50%	$50k	-	Premium ESA Savings
1.50%	$50k	-	Premium Roth IRA Savings
1.50%	$50k	-	Premium IRA Savings
0.30%	$50k	-	IRA Savings
0.30%	$50k	-	Roth IRA Savings
0.30%	$50k	-	ESA Savings
0.20%	$10k	-	Regular Savings
0.20%	$10k	-	Tax Account
0.20%	-	-	Youth Account
0.20%	$10k	-	Business Savings
0.20%	$10k	-	Holiday Account

Advantis Credit Union Money Market Rates

Apy	Min	Max	Product
0.80%	$250k	-	Premium Money Market
0.80%	$250k	-	Business Premium Money Market
0.30%	$50k	-	Standard Money Market
0.30%	$50k	-	Business Standard Money Market

Advantis Credit Union CD Rates

Apy	Min	Max	Product
1.40%	$500	-	24 - 36 Month HSA Certificates
1.20%	$100k	-	24 - 36 Month CD
1.20%	$100k	-	24 - 36 Month Business CD
1.10%	$500	-	12 - 23 Month HSA Certificates
0.80%	$500	-	6 - 11 Month HSA Certificates
0.80%	$100k	-	13 Month Bump CD
0.80%	$100k	-	13 Month Bump Business CD
0.70%	$100k	-	12 - 23 Month CD
0.70%	$100k	-	12 - 23 Month Business CD
0.50%	$100k	-	6 - 11 Month CD
0.50%	$100k	-	6 - 11 Month Business CD

Advantis Credit Union IRA Rates

Apy	Min	Max	Product
1.20%	$100k	-	24 - 36 Month IRA
1.20%	$100k	-	24 - 36 Month Roth IRA
1.20%	$100k	-	24 - 36 Month CESA
0.70%	$100k	-	12 - 23 Month IRA
0.70%	$100k	-	12 - 23 Month Roth IRA
0.70%	$100k	-	12 - 23 Month CESA
0.50%	$100k	-	6 - 11 Month IRA
0.50%	$100k	-	6 - 11 Month Roth IRA
0.50%	$100k	-	6 - 11 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

ADVANTIS
NCUA #	62659
BankRate Report	View
Year Established	1928
Employees	115
Primary Regulator
Assets and Liabilities
Assets	$826.15 million
Loans	$609.63 million
Deposits	$734.02 million
Equity Capital	$78.62 million
Loan Loss Allowance	$6.25 million
Unbacked Noncurrent Loans	$5.58 million
Real Estate Owned	$985,000
Historic Data - September 2010
Assets	$733.77 million
Equity Capital	$72.17 million
Loan Loss Allowance	$7.14 million
Unbacked Noncurrent Loans	$5.49 million
Real Estate Owned	$595,000
Profit Margin - Quarterly
Net Interest Margin	3.71%
Return on Assets	0.57%
Return on Equity	5.98%
Interest Income	$24.59 million
Non-Interest Income	$4.53 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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 September 30, 2011 Advantis Credit Union had $6.57 million in non-current loans and owned real-estate with $84.87 million in equity and loan loss allowances on hand to cover it. This gives Advantis Credit Union a Texas Ratio of 7.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Advantis Credit Union held steady from 7.67% as of September 30, 2010 to 7.74% as of September 30, 2011, resulting in a negative change of 0.91%. This indicates that the balance sheet and financial strength for Advantis Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Advantis Credit Union has increased its total deposits by $89.94 million, resulting in 13.96% 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 Advantis Credit Union has shown is excellent.
Capitalization
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. Advantis Credit Union has $826.15 million in assets with $84.87 million in equity, resulting in a capitalization level of 10.27%, which is above average.