Advancial


Overview / Commentary
972-201-1830
1845 Woodall Rodgers Fwy Ste 1300
Dallas, TX 75201

Advancial is headquartered in Dallas and is the 16th largest credit union in the state of Texas. It is also the 191st largest credit union in the nation. It was established in 1937 and as of September of 2023, it had grown to 280 employees and 121,058 members at 14 locations. Advancial's CD rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Advancial is 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 FCU Drops 5 Year Jumbo Rate - 3/1/2024

just saw on Advancial's website that the 5 year jumbo CD has dropped from 5.40% to 5.01% apy. Earlier this morning it was still at 5.40% but I guess when they opened at 9am CST they changed it to 5.01% apy

Wow! Advancial STILL Has 5.40% APY For 5 Yr CD (Jumbo) - 2/25/2024

Don't know if this is good or bad.

Advancial Federal Credit Union 5 Yr 5.4 APY Jumbo - 2/1/2024

I checked today when there might have been a rate change. Last month at least it was a 360 day EWP. If you want an IRA, then you have to use snail mail twice so be prepared. the branch I used did not have a mail slot before or after business hours. Last time I checked they would not accept trust accounts. Last month you could become a member by joining an association like dog agility which was free.

View all posts from:

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.

5-Year Jumbo CD @ 5,4%

Posted by: |

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.

Absolutely FANTASTIC Website/App

Sort of difficult to get them to open an account but once done I wired money from my Fidelity account.
It showed upon their website in an hour or two.
While waiting on hold to get someone to open the cd I looked around the website and realized you can open the cd in seconds online, can add or change POD status, and can add or change beneficiaries.

Probably the easiest app and website to use I have seen.
Interest can be toggled back and forth between adding to CD, transferring to savings or sending a check.

Really Happy With Experience Now, After Some Application Annoyances!

Posted by: |

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.

Opening CD

Posted by: |

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

VIEW MORE REVIEWS

Health

Health Grade Components

Overall
NCUA #2285
Year Chartered1937
Employees280
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD5.24%
Annual Interest Income$80.1MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$2.35B$2.12B
LoansQ3 2023vs Q3 2022$1.97B$1.73B
DepositsQ3 2023vs Q3 2022$1.7B$1.81B
Equity CapitalQ3 2023vs Q3 2022$190.8MM$186MM
Loan Loss AllowanceQ3 2023vs Q3 2022$14MM$7.3MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$16.9MM$10.1MM
Real Estate OwnedQ3 2023vs Q3 2022$0$83K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$10k*-Ultimate Checking
OTHER TIERS: 0.03% Up to $10k
0.10%*$10k*-Dinero Teens Checking
OTHER TIERS: 0.03% Up to $10k
0.03%--Business Rewards Checking

Advancial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.01%$50k-5 Year Jumbo Certificate
5.01%$50k-Business 5 Year Jumbo Certificate
4.91%$25k$50k5 Year Junior Jumbo Certificate
4.91%$25k$50kBusiness 5 Year Junior Jumbo Certificate
4.81%$50k-4 Year Jumbo Certificate
4.81%$50k-Business 4 Year Jumbo Certificate
4.80%$1k$25k5 Year Certificate
4.80%$1k$25kBusiness 5 Year Certificate
4.71%$25k$50k4 Year Junior Jumbo Certificate
4.71%$25k$50kBusiness 4 Year Junior Jumbo Certificate
4.65%$50k-3 Year Jumbo Certificate
4.65%$50k-Business 3 Year Jumbo Certificate
4.60%$1k$25k4 Year Certificate
4.60%$1k$25kBusiness 4 Year Certificate
4.54%$25k$50k3 Year Junior Jumbo Certificate
4.54%$25k$50kBusiness 3 Year Junior Jumbo Certificate
4.52%$50k-2 Year Jumbo Certificate
4.52%$50k-Business 2 Year Jumbo Certificate
4.44%$1k$25k3 Year Certificate
4.44%$1k$25kBusiness 3 Year Certificate
4.42%$25k$50k2 Year Junior Jumbo Certificate
4.42%$25k$50kBusiness 2 Year Junior Jumbo Certificate
4.39%$50k-18 Month Jumbo Certificate
4.39%$50k-Business 18 Month Jumbo Certificate
4.31%$1k$25k2 Year Certificate
4.31%$1k$25kBusiness 2 Year Certificate
4.28%$25k$50k18 Month Junior Jumbo Certificate
4.28%$25k$50kBusiness 18 Month Junior Jumbo Certificate
4.21%$50k-1 Year Jumbo Certificate
4.21%$50k-Business 1 Year Jumbo Certificate
4.18%$1k$25k18 Month Certificate
4.18%$1k$25kBusiness 18 Month Certificate
4.11%$25k$50k1 Year Junior Jumbo Certificate
4.11%$25k$50kBusiness 1 Year Junior Jumbo Certificate
4.00%$100-Money Musketeers Starter Certificate
4.00%$250-Dinero Teens Starter Certificate
4.00%$1k$25k1 Year Certificate
4.00%$1k$25kBusiness 1 Year Certificate
3.97%$50k-6 Month Jumbo Certificate
3.97%$50k-Business 6 Month Jumbo Certificate
3.87%$25k$50k6 Month Junior Jumbo Certificate
3.87%$25k$50kBusiness 6 Month Junior Jumbo Certificate
3.85%$50k-3 Month Jumbo Certificate
3.85%$50k-Business 3 Month Jumbo Certificate
3.76%$1k$25k6 Month Certificate
3.76%$1k$25kBusiness 6 Month Certificate
3.74%$25k$50k3 Month Junior Jumbo Certificate
3.74%$25k$50kBusiness 3 Month Junior Jumbo Certificate
3.64%$1k$25k3 Month Certificate
3.64%$1k$25kBusiness 3 Month Certificate

Advancial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.01%$50k-5 Year Jumbo IRA
4.91%$25k$50k5 Year Junior Jumbo IRA
4.81%$50k-4 Year Jumbo IRA
4.80%$1k$25k5 Year IRA
4.71%$25k$50k4 Year Junior Jumbo IRA
4.65%$50k-3 Year Jumbo IRA
4.60%$1k$25k4 Year IRA
4.54%$25k$50k3 Year Junior Jumbo IRA
4.52%$50k-2 Year Jumbo IRA
4.44%$1k$25k3 Year IRA
4.42%$25k$50k2 Year Junior Jumbo IRA
4.39%$50k-18 Month Jumbo IRA
4.31%$1k$25k2 Year IRA
4.28%$25k$50k18 Month Junior Jumbo IRA
4.21%$50k-1 Year Jumbo IRA
4.18%$1k$25k18 Month IRA
4.11%$25k$50k1 Year Junior Jumbo IRA
4.00%$1k$25k1 Year IRA
3.97%$50k-6 Month Jumbo IRA
3.87%$25k$50k6 Month Junior Jumbo IRA
3.85%$50k-3 Month Jumbo IRA
3.76%$1k$25k6 Month IRA
3.74%$25k$50k3 Month Junior Jumbo IRA
3.64%$1k$25k3 Month IRA
Locations

Availability

Dallas Area

Interactive local rates map


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