Advancial

Overview / Commentary

www.advancial.org

800-322-2709

10000 N. Central Expy. Ste. 1400
Dallas, TX 75231-2319

Advancial is headquartered in Dallas and is the 15^th largest credit union in the state of Texas. It is also the 194^th largest credit union in the nation. It was established in 1937 and as of June of 2024, it had grown to 296 employees and 127,343 members at 15 locations. Advancial's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Any U.S citizen, regardless of where they live, is eligible for Advancial membership by joining the US Dog Agility Association (USDAA). Please note that this membership path has changed in the past. Consequently, it's advisable to first contact Advancial to confirm this eligibility option before applying. Membership in Advancial 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

Advancial 5 Year Drops (4.52 -> 4.47%) - 9/2/2024

Still a rate leader nationwide on 5 year CD ($50,000 min). Should be good until the end of September. Looks like DA has it updated already, which is nice to see. I have one CD in a ladder maturing this month, so I think it will go here. That is about a 0.7% premium over current brokered CD rates on 5 year. With inflation dropping, and rate cuts ahead, time to lock in some good long term rates. Steve

Advancial FCU Raises Its 5 Year Jumbo CD To 4.68% Apy - 5/1/2024

After lowering their 5 year jumbo CD a couple of months age to 4.18% apy Advancial raised its 5 year jumbo CD 50 basis points to 4.68% apy as of 5-1-24. At least it is a step in the right direction and hopefully others will follow

Advancial Credit Union Rates Decreased - 4/1/2024

Sadly, as the calendar turned to April the certificate rates at Advancial Credit Union took a fairly substantial hit. Check the current rates here: https://www.advancial.org/rates

View all posts from:

2024
2023
2022
Earlier

9/2 - Advancial 5 Year Drops (4.52 -> 4.47%)
5/1 - Advancial FCU Raises Its 5 Year Jumbo CD To 4.68% Apy
4/1 - Advancial Credit Union Rates Decreased
3/1 - Advancial FCU Drops 5 Year Jumbo Rate
2/25 - Wow! Advancial STILL Has 5.40% APY For 5 Yr CD (Jumbo)
2/1 - Advancial Federal Credit Union 5 Yr 5.4 APY Jumbo
1/22 - FOR 10 DAYS ONLY ADVANCIAL 5.25% APY

10/27 - Advancial 4-Year and 5-Year Jumbo Certificates Are Rate Leaders
10/19 - Advancial 60 Month Jumbo @ 5.4% APY
8/1 - Advancial Ups Rates Again
7/10 - Advancial - 14-Months Special CD 5.25%
7/1 - Advancial - 5 Years Certificates Break 5% APY
6/1 - Advancial 60 Month Jumbo (50K) Up To 4.70% Apy
3/16 - Advancial Credit Union 14-Month, 5.25% APY
3/2 - Limited-Time 14-Month 5.25% APY Certificate Special!

11/1 - Advancial FCU Jumbo CDs Appears To Be Rate Leaders - 4 Years @ 4.43% And 5 Years @ 4.61%
10/6 - Advancial 4- and 5-Year Jumbo CD APYs Are Near-Rate Leaders
10/2 - Advancial Offers Jumbo 5-Year (4.33% APY) And 4-Year (4.15% APY) Regular/IRA Certificates
9/1 - Advancial Rates Rise Significantly
7/1 - Advancial Premium Monmkt Creeps Up To .91 APY
3/1 - Advancial Credit Union Announces CD Yields as high as 2.09%

12/2/21 - Advancial Raises Short-Term Jumbo Certificate Rates
11/1/21 - Advancial 5 Yr Jumbo CD Now 2.23% APY
10/1/21 - The Bad News For Advancial Customers.....
10/1/21 - Advancial Hits 2.02% Apy
9/9/21 - Advancial Boosts Long-Term Jumbo Certificate Rates
8/2/21 - Rate Reductions On Certificates At Advancial
7/6/21 - Advancial Increases All Certificate Rates
6/16/21 - ADVANCIAL CHANGED THE RULES
5/2/21 - Advancial CU MM Holds At 1.01%, 5-Year Jumbo CD Slightly Drops
4/8/21 - Advancial Long-Term Jumbo CD Rates Increased Significantly
4/5/21 - Advancial Announces New Rates (Highest Yield Is 1.94%)
3/1/21 - Advancial Announces New CD Rates
2/1/21 - More Good News - Advancial MM Remains At 1.01%
1/1/21 - Advancial CU MM Remains At 1.01% And Is Now The Last 1% Account Left
12/1/20 - Advancial CU Leaves Dec. CD And MM Rates Unchanged
11/18/20 - Update on Advancial’s Availability and Competitive Jumbo CD Rates
11/3/20 - Advancial FCU - Many Good CD And MM Deals
6/1/20 - Advancial CU CD Rates DRASTICALLY Slashed
5/6/20 - Advancial Short-Term Jumbo Certificates Are Rate Leaders
5/6/20 - Connex Does Not Work To Secure Membets Hip In Advancial
4/11/20 - Advancial Long-Term CDs Continue To Be Very Competitive
1/29/20 - Advancial Jumbo CDs Are Rate Leaders
1/1/19 - Advancial CD Rates - January 2019
12/3/18 - Small Increases On Advancial Short-Term CDs
12/1/18 - Advancial December Share Certificate Rates Published
11/3/18 - Advancial's Jumbo CDs and IRA CDs Become Rate Leaders
1/1/18 - Advancial January CD Increases
12/1/17 - Advancial's 1-Year Jumbo Certificate Rate Raised
12/1/17 - Advancial Posts December Rates
10/6/17 - Advancial Raises CD Rates Across The Board
10/1/17 - Advancial October CD Rates Posted
9/1/17 - Advancial Drops CD Rates Across The Board, Starting 9/1
8/1/17 - August CD Rates: Some Small Changes
7/26/17 - Advancial's Jumbo Certificates ($50k min) Offer Top Rates
6/11/15 - 5-Year, 2.49% APY CD. Quick Look.
8/2/14 - Advancial Credit Union (5Yr CD, 2.57%APY)
7/22/14 - 5-Year, 2.41% APY CD. Quick Look.

Reviews (15)

5-Year Jumbo CD @ 5,4%

Posted by: sanity | Feb 23, 2024

Opened another 5-year jumbo today. Transfered money into the savings account earlier and then did a simple transfer to fund the CD. Took no more than a couple of minutes. Advancial 5-year CD rates are substantially higher than anyone else.

Comment

Really Happy With Experience Now, After Some Application Annoyances!

Posted by: gypthly | Jan 5, 2024

The US dog agility association membership (TX0000) made it quick and easy to open. I did not like the photo uploading hassle in their application form, so would suggest interacting by email for that. The person who helped me through it was very prompt as well as patient. It is unusual to find a bank which has the best long term rates in the country yet is so good with customer service.

Comment

Opening CD

Posted by: kent | Jan 22, 2024

Overall, I have had a good experience with this CU.

Incredible Hassle

Posted by: Klauber | Aug 21, 2024

Tried to enroll online. System wouldn't accept my driver's license pdf or jpg, which have worked with every other bank. Took me repeated tries at scanning and uploading and being told the files weren't adequate. After an hour, I finally got files uploaded that the system would accept. Then, it told me I was locked out for having too many tries at registering. It said contact the bank to get it straightened out.
I called and was told nothing could be done except applying by surface mail and paper application, and that it would take 2 weeks for me to receive the application (and then how long to process after that?)
I have a CD for over $100K maturing today and was going to do an immediate transfer to Advancial, but now I lose about $500 in interest if I go the paper application route. Are you kidding me? The bank loses a large sum of money because there system is so cumbersome? And I lose 2 hours out of my life with this hassle.
Beware.
BTW, the people I talked to were nice. The bank system, awful.

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Health

B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	2285
Year Chartered	1937
Employees	296
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.12%
Return on Equity - YTD	-1.55%
Annual Interest Income	$70.4MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$2.45B$2.3B
Loans	Q2 2024vs Q2 2023	$2.07B$1.95B
Deposits	Q2 2024vs Q2 2023	$1.94B$1.66B
Equity Capital	Q2 2024vs Q2 2023	$187.7MM$189.2MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$20.4MM$13.8MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$22.2MM$16.2MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Advancial; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Advancial Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$25	-	IRA Savings
0.10%	$100	-	Savings
0.10%	$5	-	Money Musketeers Savings
0.10%	$100	-	Dinero Teens Savings
0.10%	$100	-	Business Savings

Advancial Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.22%	$100k	-	Premium Money Market
0.56%^*	$50k^*	-	Money Market Savings Accounts
OTHER TIERS: 0.46% → $2.5k - $25k \| 0.51% → $25k - $50k
0.56%^*	$50k^*	-	Business Money Market
OTHER TIERS: 0.46% → $2.5k - $25k \| 0.51% → $25k - $50k

Advancial Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$10k^*	-	Ultimate Checking
OTHER TIERS: 0.03% → $0 - $10k
0.10%^*	$10k^*	-	Dinero Teens Checking
OTHER TIERS: 0.03% → $0 - $10k
0.03%	$0	-	Business Rewards Checking

Advancial CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.47%	$50k	-	5 Year Jumbo Certificate
4.47%	$50k	-	Business 5 Year Jumbo Certificate
4.36%	$25k	$50k	5 Year Junior Jumbo Certificate
4.36%	$25k	$50k	Business 5 Year Junior Jumbo Certificate
4.26%	$1k	$25k	5 Year Certificate
4.26%	$1k	$25k	Business 5 Year Certificate
4.25%	$10k	-	9 Month Certificate Special
4.20%	$50k	-	4 Year Jumbo Certificate
4.20%	$50k	-	Business 4 Year Jumbo Certificate
4.09%	$25k	$50k	4 Year Junior Jumbo Certificate
4.09%	$25k	$50k	Business 4 Year Junior Jumbo Certificate
3.99%	$1k	$25k	4 Year Certificate
3.99%	$50k	-	3 Year Jumbo Certificate
3.99%	$50k	-	Business 3 Year Jumbo Certificate
3.99%	$1k	$25k	Business 4 Year Certificate
3.89%	$25k	$50k	3 Year Junior Jumbo Certificate
3.89%	$25k	$50k	Business 3 Year Junior Jumbo Certificate
3.80%	$50k	-	2 Year Jumbo Certificate
3.80%	$50k	-	Business 2 Year Jumbo Certificate
3.78%	$1k	$25k	3 Year Certificate
3.78%	$1k	$25k	Business 3 Year Certificate
3.70%	$25k	$50k	2 Year Junior Jumbo Certificate
3.70%	$25k	$50k	Business 2 Year Junior Jumbo Certificate
3.60%	$1k	$25k	2 Year Certificate
3.60%	$1k	$25k	Business 2 Year Certificate
3.55%	$50k	-	18 Month Jumbo Certificate
3.55%	$50k	-	Business 18 Month Jumbo Certificate
3.44%	$25k	$50k	18 Month Junior Jumbo Certificate
3.44%	$25k	$50k	Business 18 Month Junior Jumbo Certificate
3.35%	$50k	-	1 Year Jumbo Certificate
3.35%	$50k	-	Business 1 Year Jumbo Certificate
3.34%	$1k	$25k	18 Month Certificate
3.34%	$1k	$25k	Business 18 Month Certificate
3.25%	$25k	$50k	1 Year Junior Jumbo Certificate
3.25%	$25k	$50k	Business 1 Year Junior Jumbo Certificate
3.19%	$50k	-	6 Month Jumbo Certificate
3.19%	$50k	-	Business 6 Month Jumbo Certificate
3.14%	$100	-	Money Musketeers Starter Certificate
3.14%	$250	-	12 Months Dinero Teens Starter Certificate
3.14%	$1k	$25k	1 Year Certificate
3.14%	$1k	$25k	Business 1 Year Certificate
3.08%	$25k	$50k	6 Month Junior Jumbo Certificate
3.08%	$25k	$50k	Business 6 Month Junior Jumbo Certificate
3.07%	$50k	-	3 Month Jumbo Certificate
3.07%	$50k	-	Business 3 Month Jumbo Certificate
2.98%	$1k	$25k	6 Month Certificate
2.98%	$1k	$25k	Business 6 Month Certificate
2.97%	$25k	$50k	3 Month Junior Jumbo Certificate
2.97%	$25k	$50k	Business 3 Month Junior Jumbo Certificate
2.87%	$1k	$25k	3 Month Certificate
2.87%	$1k	$25k	Business 3 Month Certificate

Advancial IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.47%	$50k	-	5 Year Jumbo IRA
4.36%	$25k	$50k	5 Year Junior Jumbo IRA
4.26%	$1k	$25k	5 Year IRA
4.20%	$50k	-	4 Year Jumbo IRA
4.09%	$25k	$50k	4 Year Junior Jumbo IRA
3.99%	$50k	-	3 Year Jumbo IRA
3.99%	$1k	$25k	4 Year IRA
3.89%	$25k	$50k	3 Year Junior Jumbo IRA
3.80%	$50k	-	2 Year Jumbo IRA
3.78%	$1k	$25k	3 Year IRA
3.70%	$25k	$50k	2 Year Junior Jumbo IRA
3.60%	$1k	$25k	2 Year IRA
3.55%	$50k	-	18 Month Jumbo IRA
3.44%	$25k	$50k	18 Month Junior Jumbo IRA
3.35%	$50k	-	1 Year Jumbo IRA
3.34%	$1k	$25k	18 Month IRA
3.25%	$25k	$50k	1 Year Junior Jumbo IRA
3.19%	$50k	-	6 Month Jumbo IRA
3.14%	$1k	$25k	1 Year IRA
3.08%	$25k	$50k	6 Month Junior Jumbo IRA
3.07%	$50k	-	3 Month Jumbo IRA
2.98%	$1k	$25k	6 Month IRA
2.97%	$25k	$50k	3 Month Junior Jumbo IRA
2.87%	$1k	$25k	3 Month IRA