Advancial
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.85% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
| 2.87% | 2-year CD | 1.68% - National Average |
| 2.87% | 2-year IRA | 1.68% - National Average |
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
12/1 - Advancial December Share Certificate Rates Published
11/3 - Advancial's Jumbo CDs and IRA CDs Become Rate Leaders
11/1 - Advancial Cds As High As 3.49%
1/1 - Advancial January CD Increases
12/1 - Advancial Posts December Rates
10/6 - Advancial Raises CD Rates Across The Board
10/1 - Advancial October CD Rates Posted
9/1 - Advancial Drops CD Rates Across The Board, Starting 9/1
8/1 - August CD Rates: Some Small Changes
7/26 - Advancial's Jumbo Certificates ($50k min) Offer Top Rates
Great Service
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
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
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
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
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
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
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 2285 |
| Year Chartered | 1937 |
| Employees | 216 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.64% |
| Return on Equity - YTD | 7.57% |
| Annual Interest Income | $61.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $1.62B$1.56B |
| Loans | Q4 2018vs Q4 2017 | $1.35B$1.29B |
| Deposits | Q4 2018vs Q4 2017 | $1.34B$1.30B |
| Equity Capital | Q4 2018vs Q4 2017 | $138.3MM$128.7MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $8.2MM$7.2MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $10.1MM$9.5MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$648.00K |
This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.
Advancial CD Rates - January 2019
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.
https://www.advancial.org/current-market-interest-rate/
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 | VIEW DETAILS |
|---|---|---|---|---|
| 0.30% | $25 | - | IRA Savings | |
| 0.10% | $100 | - | Savings | |
| 0.10% | $5 | - | Money Musketeers Kids Club Savings | |
| 0.10% | $100 | - | Dinero Teens Savings | |
| 0.10% | $100 | - | Business Savings |
Advancial Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.91% | $50k | - | 5 Year Jumbo Certificate | |
| 2.91% | $50k | - | Business 5 Year Jumbo Certificate | |
| 2.89% | $50k | - | 4 Year Jumbo Certificate | |
| 2.89% | $50k | - | Business 4 Year Jumbo Certificate | |
| 2.88% | $50k | - | 3 Year Jumbo Certificate | |
| 2.88% | $50k | - | Business 3 Year Jumbo Certificate | |
| 2.87% | $50k | - | 2 Year Jumbo Certificate | |
| 2.87% | $50k | - | Business 2 Year Jumbo Certificate | |
| 2.86% | $50k | - | 18 Month Jumbo Certificate | |
| 2.86% | $50k | - | Business 18 Month Jumbo Certificate | |
| 2.85% | $50k | - | 1 Year Jumbo Certificate | |
| 2.85% | $50k | - | Business 1 Year Jumbo Certificate | |
| 2.83% | $50k | - | 6 Month Jumbo Certificate | |
| 2.83% | $50k | - | Business 6 Month Jumbo Certificate | |
| 2.81% | $25k | $50k | 5 Year Junior Jumbo Certificate | |
| 2.81% | $25k | $50k | Business 5 Year Junior Jumbo Certificate | |
| 2.78% | $25k | $50k | 4 Year Junior Jumbo Certificate | |
| 2.78% | $25k | $50k | Business 4 Year Junior Jumbo Certificate | |
| 2.77% | $25k | $50k | 3 Year Junior Jumbo Certificate | |
| 2.77% | $50k | - | 3 Month Jumbo Certificate | |
| 2.77% | $50k | - | Business 3 Month Jumbo Certificate | |
| 2.77% | $25k | $50k | Business 3 Year Junior Jumbo Certificate | |
| 2.76% | $25k | $50k | 2 Year Junior Jumbo Certificate | |
| 2.76% | $25k | $50k | Business 2 Year Junior Jumbo Certificate | |
| 2.75% | $25k | $50k | 18 Month Junior Jumbo Certificate | |
| 2.75% | $25k | $50k | Business 18 Month Junior Jumbo Certificate | |
| 2.74% | $25k | $50k | 1 Year Junior Jumbo Certificate | |
| 2.74% | $25k | $50k | Business 1 Year Junior Jumbo Certificate | |
| 2.72% | $25k | $50k | 6 Month Junior Jumbo Certificate | |
| 2.72% | $25k | $50k | Business 6 Month Junior Jumbo Certificate | |
| 2.70% | $1k | $25k | 5 Year Regular Certificate | |
| 2.70% | $1k | $25k | Business 5 Year Certificate | |
| 2.68% | $1k | $25k | 4 Year Regular Certificate | |
| 2.68% | $1k | $25k | Business 4 Year Certificate | |
| 2.67% | $1k | $25k | 3 Year Regular Certificate | |
| 2.67% | $25k | $50k | 3 Month Junior Jumbo Certificate | |
| 2.67% | $25k | $50k | Business 3 Month Junior Jumbo Certificate | |
| 2.67% | $1k | $25k | Business 3 Year Certificate | |
| 2.66% | $1k | $25k | 2 Year Regular Certificate | |
| 2.66% | $1k | $25k | Business 2 Year Certificate | |
| 2.65% | $1k | $25k | 18 Month Regular Certificate | |
| 2.65% | $1k | $25k | Business 18 Month Certificate | |
| 2.64% | $100 | - | Money Musketeers Starter Certificate | |
| 2.64% | $250 | - | Dinero Teens Starter Certificate | |
| 2.64% | $1k | $25k | 1 Year Regular Certificate | |
| 2.64% | $1k | $25k | Business 1 Year Certificate | |
| 2.62% | $1k | $25k | 6 Month Regular Certificate | |
| 2.62% | $1k | $25k | Business 6 Month Certificate | |
| 2.57% | $1k | $25k | 3 Month Regular Certificate | |
| 2.57% | $1k | $25k | Business 3 Month Certificate |
Advancial IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.91% | $50k | - | 5 Year Jumbo IRA | |
| 2.89% | $50k | - | 4 Year Jumbo IRA | |
| 2.88% | $50k | - | 3 Year Jumbo IRA | |
| 2.87% | $50k | - | 2 Year Jumbo IRA | |
| 2.86% | $50k | - | 18 Month Jumbo IRA | |
| 2.85% | $50k | - | 1 Year Jumbo IRA | |
| 2.83% | $50k | - | 6 Month Jumbo IRA | |
| 2.81% | $25k | $50k | 5 Year Junior Jumbo IRA | |
| 2.78% | $25k | $50k | 4 Year Junior Jumbo IRA | |
| 2.77% | $50k | - | 3 Month Jumbo IRA | |
| 2.77% | $25k | $50k | 3 Year Junior Jumbo IRA | |
| 2.76% | $25k | $50k | 2 Year Junior Jumbo IRA | |
| 2.75% | $25k | $50k | 18 Month Junior Jumbo IRA | |
| 2.74% | $25k | $50k | 1 Year Junior Jumbo IRA | |
| 2.72% | $25k | $50k | 6 Month Junior Jumbo IRA | |
| 2.70% | $1k | $25k | 5 Year Regular IRA | |
| 2.68% | $1k | $25k | 4 Year Regular IRA | |
| 2.67% | $25k | $50k | 3 Month Junior Jumbo IRA | |
| 2.67% | $1k | $25k | 3 Year Regular IRA | |
| 2.66% | $1k | $25k | 2 Year Regular IRA | |
| 2.65% | $1k | $25k | 18 Month Regular IRA | |
| 2.64% | $1k | $25k | 1 Year Regular IRA | |
| 2.62% | $1k | $25k | 6 Month Regular IRA | |
| 2.57% | $1k | $25k | 3 Month Regular IRA |
