Overview / Commentary
1845 Woodall Rodgers Fwy Ste 1300
Dallas, TX 75201-2260

Advancial is headquartered in Dallas and is the 11th largest credit union in the state of Texas. It is also the 173rd largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 216 employees and 89,687 members at 13 locations. Advancial's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Advancial is open to anyone by joining Connex for a $5 fee. Membership is also open to the following: 1) to those who live, work, worship, or attend school in the Louisiana Parishes of Acadia, Avoyelles, Evangeline, Iberia, Lafayette, St. Landry, St. Martin, or Vermillion; 2) Employees of several SEGs (petroleum refining industry). (Membership requirements are listed on Advancial's application).
See current membership details

Related Posts

Advancial CD Rates - January 2019 - 1/1/2019

$50K minimum 2.70% 3 months 2.87% 6 months 2.99% 1 year 3.05% 18 months 3.05% 2 years 3.05% 3 years 3.08% 4 years 3.15% 5 years for Regular and IRA.

Small Increases On Advancial Short-Term CDs - 12/3/2018

Advancial (easy membership) has raised the rates on its short-term Jumbo CDs ($50k min), including 3-month (2.1% APY), 6-month (2.85% APY), and 1-year (3.04% APY).

Advancial December Share Certificate Rates Published - 12/1/2018

Short term rates ( $50K) 2.71% 3 months 2.85% 6 months 3.04% 1 year 3.14% 18 months 3.19% 2 years 3.24% 3 years 3.30% 4 years 3.38% 5 years

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Reviews (8)

Great Service

Posted by: Saif | Aug 4, 2017

I just opened checking ,saving and CD accounts with them at the branch in Dallas area .it was easy and fast ,I just needed to deposit $10 in saving to be aligable to open .great CD rates and free checking account. .

Easy Opening CD

Posted by: Pitt2500 | Jul 14, 2017

We were 1st assisted on line by Vivian M. who got us all the necessary forms and requirements in advance by email. Fortunately we live close to Dallas and simply went to their location at 1845 Woodall Rogers Fwy. We had to circle the building to find the entry which is actually on N. Saint Paul St. and unfortunately looks like a "Loading Zone" area rather than the entry to their parking garage. VERY tight turns in garage so do not go in a large pickup truck. They have a branch on the 1st floor. We went inside and Elizabeth L. was excellent at helping us and opening our account. VERY professional and knowledgeable.
Very pleased with excellent service and high rate on the CD. We plan to go back.

Great Place To Bank

Posted by: basenji08 | Jan 11, 2013

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.

Great credit union

I have been a member of the Advancial Credit Union for over 10 years. I have relied on this Credit Union for a variety of financial products. It all started with a small deposit into a money market account. I would occasionally deposit money into this account, and tried to keep up with it. Later, I began using their checking account and a CD. I love the people and the helpful service. They are a great credit union.

Good CD Rates, Lot Of Hassle

Posted by: JoseRod | Nov 15, 2018

This is a primitive credit union. No online money transfers/ACH permitted until account has aged. If want to receive monthly CD interest, it is via mailed check only. Initial deposit for CD is via check or wire only; linking external accounts not available. Opening a savings account is mandatory for a CD. Will have to visit a bank location to open an account. Ask all your questions while at the branch; is a 10-15 minute wait on hold to speak with someone on the phone. Few consistent answers between branch and phone representatives.

Don't Use This Bank

Posted by: Sghach14 | Feb 20, 2019

I got a checked cashed with sister branch and 4 days after Advancial decided to put the check on hold. Talked to customer service and was told to bring proof of the check clearing and they would take off the hold. Once again customer service tellse something that apparently isn't true. This banks customer service is the absolute worst. Don't give them your money

Ridiculous Application Process Leading To ACCOUNT DENIAL

Posted by: pwj7050 | Oct 3, 2017

I was declined for an account and the only reason provided is that I had "too many inquiries". The customer service rep, could not provide any additional information and would not allow me to speak to anyone else in higher authority. He said I would receive a letter in the mail explaining their decision.

Let me make something clear, I have an excellent credit score. I have never been late in paying a bill in my life. I have opened many accounts in the last year trying to maximize my interest income in this Fed induced market of perpetually meager interest rates.

And now I am denied an account with this CU for this dubious reason. This credit union is ridiculous.

Money Musketeers

Posted by: Kenzie | Jan 11, 2016

I deposit money for my child only to get a bank statement with money withdrawn from her account and we haven't been to the bank since October to deposit money. This is ridiculous that you can't trust the bank you been dealing with for 10 years. Then I call customer service and spoke with Vivian M and she hung up on me after asking for a manager three times. Then calling back to speak with Tammy for her to tell me she can't help and she has no manager because her managers Frank and Lauren has left for the day. This is the worst customer service that I have ever received the fact that they don't care that money is missing.


Health Grade Components

NCUA #2285
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD7.57%
Annual Interest Income$61.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.62B$1.56B
LoansQ4 2018vs Q4 2017$1.35B$1.29B
DepositsQ4 2018vs Q4 2017$1.34B$1.30B
Equity CapitalQ4 2018vs Q4 2017$138.3MM$128.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$8.2MM$7.2MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$10.1MM$9.5MM
Real Estate OwnedQ4 2018vs Q4 2017$0$648.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Advancial Savings Account Rates

0.30%$25-IRA Savings
0.10%$5-Money Musketeers Kids Club Savings
0.10%$100-Dinero Teens Savings
0.10%$100-Business Savings

Advancial Money Market Rates

1.20%$100k-Premium Money Market
0.39%*$50k*-Money Market Savings Accounts
OTHER TIERS: 0.29% $2.5k - $25k | 0.34% $25k - $50k
0.39%*$50k*-Business Money Market
OTHER TIERS: 0.29% $2.5k - $25k | 0.34% $25k - $50k

Advancial Checking Account Rates

0.10%*$10k*-Ultimate Checking
OTHER TIERS: 0.06% Up to $10k
0.10%*$10k*-Dinero Teens Checking
OTHER TIERS: 0.06% Up to $10k
0.06%--Business Rewards Checking

Advancial CD Rates

3.12%$50k-5 Year Jumbo Certificate
3.12%$50k-Business 5 Year Jumbo Certificate
3.04%$50k-4 Year Jumbo Certificate
3.04%$50k-Business 4 Year Jumbo Certificate
3.02%$25k$50k5 Year Junior Jumbo Certificate
3.02%$25k$50kBusiness 5 Year Junior Jumbo Certificate
2.98%$50k-3 Year Jumbo Certificate
2.98%$50k-Business 3 Year Jumbo Certificate
2.94%$25k$50k4 Year Junior Jumbo Certificate
2.94%$25k$50kBusiness 4 Year Junior Jumbo Certificate
2.92%$1k$25k5 Year Regular Certificate
2.92%$50k-2 Year Jumbo Certificate
2.92%$50k-Business 2 Year Jumbo Certificate
2.92%$1k$25kBusiness 5 Year Certificate
2.88%$25k$50k3 Year Junior Jumbo Certificate
2.88%$25k$50kBusiness 3 Year Junior Jumbo Certificate
2.86%$50k-18 Month Jumbo Certificate
2.86%$50k-Business 18 Month Jumbo Certificate
2.84%$1k$25k4 Year Regular Certificate
2.84%$1k$25kBusiness 4 Year Certificate
2.82%$25k$50k2 Year Junior Jumbo Certificate
2.82%$25k$50kBusiness 2 Year Junior Jumbo Certificate
2.80%$50k-1 Year Jumbo Certificate
2.80%$50k-Business 1 Year Jumbo Certificate
2.77%$1k$25k3 Year Regular Certificate
2.77%$1k$25kBusiness 3 Year Certificate
2.76%$50k-6 Month Jumbo Certificate
2.76%$50k-Business 6 Month Jumbo Certificate
2.75%$25k$50k18 Month Junior Jumbo Certificate
2.75%$25k$50kBusiness 18 Month Junior Jumbo Certificate
2.72%$50k-3 Month Jumbo Certificate
2.72%$50k-Business 3 Month Jumbo Certificate
2.71%$1k$25k2 Year Regular Certificate
2.71%$1k$25kBusiness 2 Year Certificate
2.69%$25k$50k1 Year Junior Jumbo Certificate
2.69%$25k$50kBusiness 1 Year Junior Jumbo Certificate
2.66%$25k$50k6 Month Junior Jumbo Certificate
2.66%$25k$50kBusiness 6 Month Junior Jumbo Certificate
2.65%$1k$25k18 Month Regular Certificate
2.65%$1k$25kBusiness 18 Month Certificate
2.62%$25k$50k3 Month Junior Jumbo Certificate
2.62%$25k$50kBusiness 3 Month Junior Jumbo Certificate
2.59%$100-Money Musketeers Starter Certificate
2.59%$250-Dinero Teens Starter Certificate
2.59%$1k$25k1 Year Regular Certificate
2.59%$1k$25kBusiness 1 Year Certificate
2.56%$1k$25k6 Month Regular Certificate
2.56%$1k$25kBusiness 6 Month Certificate
2.52%$1k$25k3 Month Regular Certificate
2.52%$1k$25kBusiness 3 Month Certificate

Advancial IRA Rates

3.12%$50k-5 Year Jumbo IRA
3.04%$50k-4 Year Jumbo IRA
3.02%$25k$50k5 Year Junior Jumbo IRA
2.98%$50k-3 Year Jumbo IRA
2.94%$25k$50k4 Year Junior Jumbo IRA
2.92%$50k-2 Year Jumbo IRA
2.92%$1k$25k5 Year Regular IRA
2.88%$25k$50k3 Year Junior Jumbo IRA
2.86%$50k-18 Month Jumbo IRA
2.84%$1k$25k4 Year Regular IRA
2.82%$25k$50k2 Year Junior Jumbo IRA
2.80%$50k-1 Year Jumbo IRA
2.77%$1k$25k3 Year Regular IRA
2.76%$50k-6 Month Jumbo IRA
2.75%$25k$50k18 Month Junior Jumbo IRA
2.72%$50k-3 Month Jumbo IRA
2.71%$1k$25k2 Year Regular IRA
2.69%$25k$50k1 Year Junior Jumbo IRA
2.66%$25k$50k6 Month Junior Jumbo IRA
2.65%$1k$25k18 Month Regular IRA
2.62%$25k$50k3 Month Junior Jumbo IRA
2.59%$1k$25k1 Year Regular IRA
2.56%$1k$25k6 Month Regular IRA
2.52%$1k$25k3 Month Regular IRA


Dallas Area

Interactive local rates map

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