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Advancial

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.95%1-year CD1 Year Jumbo Certificates
2.10% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
2.14%2-year CD2 Year Jumbo Certificates
2.25% - Synchrony Bank 24 Month CDAdvertisement
2.14%2-year IRA2 Year Jumbo IRA (Traditional, Roth, CESA)
1.10% - National Average
View all Advancial rates »

Overview / Commentary
www.advancial.org
800-322-2709
1845 Woodall Rodgers Fwy Ste 1300
Dallas, TX 75201-2260

Advancial is headquartered in Dallas and is the 12th largest credit union in the state of Texas. It is also the 163rd largest credit union in the nation. It was established in 1937 and as of December of 2017, it had grown to 221 employees and 84,828 members at 15 locations. Advancial's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Advancial is open 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. Employees of several SEGs (petroleum refining industry) are also eligible to join. Membership is also by joining Connex for a $5 fee.(Membership requirements are listed on Advancial's application).
See current membership details

Related Posts

Advancial January CD Increases - 1/1/2018

Advancial has posted in January rate. For the highest tier ($50,000 minimum) yields have increased by one to six basis points. APYs are: 3 mo. 1.59% 6 mo. 1.76% 1 yr. 1.95% 18 mo 2.05% 2 yr. 2.14% 3 yr. 2.24% 4 yr. 2.37% 5 yr. 2.53%

Advancial's 1-Year Jumbo Certificate Rate Raised - 12/1/2017

Advancial has raised the rates on its shorter term Jumbo Certificates ($50k+): 6-month,1.75% APY; 1-year, 1.90% APY; 18-month, 2.01% APY; 2-year 2.10% APY.

Advancial Posts December Rates - 12/1/2017

at the highest tier (minimum $50,000), looks like increases for terms of 6 months through 3 years; decreases for 4 and 5 years. APYs for highest tier are: 3 mo. 1.56 6 mo. 1.75 1 yr. 1.90 18 mo 2.01 2 yr. 2.10 3 yr. 2.18 4 yr. 2.34 5 yr. 2.49 https://www.advancial.org/Rates/Savings-Rates.aspx P.S. to DepositAccounts.com The termination of the ability to edit posts, and to create clickable links, reduces the value of the website

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Reviews (6)

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. .

1

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.

3

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.

12

Great credit union

Posted by: gretchenwiggins2 | Mar 28, 2017

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.

4

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.

11

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.

20


Health
B+

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #2285
Year Chartered1937
Employees221
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD6.32%
Annual Interest Income$50.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.56B$1.37B
LoansQ4 2017vs Q4 2016$1.29B$1.19B
DepositsQ4 2017vs Q4 2016$1.30B$1.11B
Equity CapitalQ4 2017vs Q4 2016$128.7MM$121.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$7.2MM$7.0MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$9.5MM$7.4MM
Real Estate OwnedQ4 2017vs Q4 2016$648.00K$610.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.74%$100-Money Musketeers Starter Certificates
1.74%$250-Dinero Teens Starter Certificates
0.30%$25-IRA Savings Accounts
0.10%$100-Savings Accounts
0.10%--Money Musketeers Kids Club Savings Accounts
0.10%$100-Dinero Teens Savings Accounts
0.10%$100-Business Savings Accounts

Advancial Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$100k-Premium Money Market
0.21%*$50k*-Money Market Savings Accounts
OTHER TIERS: 0.11% → $2,500 - $25k | 0.16% → $25k - $50k
0.21%*$50k*-Business Money Market
OTHER TIERS: 0.11% → $2,500 - $25k | 0.16% → $25k - $50k

Advancial Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$50k-5 Year Jumbo Certificates
2.53%$50k-5 Year Business Jumbo Certificates
2.43%$25k$50k5 Year Junior Jumbo Certificates
2.43%$25k$50k5 Year Business Junior Jumbo Certificates
2.37%$50k-4 Year Jumbo Certificates
2.37%$50k-4 Year Business Jumbo Certificates
2.32%$1k$25k5 Year Regular Certificates
2.32%$1k$25k5 Year Business Certificates
2.26%$25k$50k4 Year Junior Jumbo Certificates
2.26%$25k$50k4 Year Business Junior Jumbo Certificates
2.24%$50k-3 Year Jumbo Certificates
2.24%$50k-3 Year Business Jumbo Certificates
2.16%$1k$25k4 Year Regular Certificates
2.16%$1k$25k4 Year Business Certificates
2.14%$25k$50k3 Year Junior Jumbo Certificates
2.14%$50k-2 Year Jumbo Certificates
2.14%$50k-2 Year Business Jumbo Certificates
2.14%$25k$50k3 Year Business Junior Jumbo Certificates
2.05%$50k-18 Month Jumbo Certificates
2.05%$50k-18 Month Business Jumbo Certificates
2.04%$1k$25k3 Year Regular Certificates
2.04%$25k$50k2 Year Junior Jumbo Certificates
2.04%$25k$50k2 Year Business Junior Jumbo Certificates
2.04%$1k$25k3 Year Business Certificates
1.95%$25k$50k18 Month Junior Jumbo Certificates
1.95%$50k-1 Year Jumbo Certificates
1.95%$50k-1 Year Business Jumbo Certificates
1.95%$25k$50k18 Month Business Junior Jumbo Certificates
1.94%$1k$25k2 Year Regular Certificates
1.94%$1k$25k2 Year Business Certificates
1.85%$1k$25k18 Month Regular Certificates
1.85%$25k$50k1 Year Junior Jumbo Certificates
1.85%$25k$50k1 Year Business Junior Jumbo Certificates
1.85%$1k$25k18 Month Business Certificates
1.76%$50k-6 Month Jumbo Certificates
1.76%$50k-6 Month Business Jumbo Certificates
1.74%$1k$25k1 Year Regular Certificates
1.74%$1k$25k1 Year Business Certificates
1.66%$25k$50k6 Month Junior Jumbo Certificates
1.66%$25k$50k6 Month Business Junior Jumbo Certificates
1.59%$50k-3 Month Jumbo Certificates
1.59%$50k-3 Month Business Jumbo Certificates
1.56%$1k$25k6 Month Regular Certificates
1.56%$1k$25k6 Month Business Certificates
1.49%$25k$50k3 Month Junior Jumbo Certificates
1.49%$25k$50k3 Month Business Junior Jumbo Certificates
1.39%$1k$25k3 Month Regular Certificates
1.39%$1k$25k3 Month Business Certificates

Advancial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$50k-5 Year Jumbo IRA
2.43%$25k$50k5 Year Junior Jumbo IRA
2.37%$50k-4 Year Jumbo IRA
2.32%$1k$25k5 Year Regular IRA
2.26%$25k$50k4 Year Junior Jumbo IRA
2.24%$50k-3 Year Jumbo IRA
2.16%$1k$25k4 Year Regular IRA
2.14%$50k-2 Year Jumbo IRA
2.14%$25k$50k3 Year Junior Jumbo IRA
2.05%$50k-18 Month Jumbo IRA
2.04%$25k$50k2 Year Junior Jumbo IRA
2.04%$1k$25k3 Year Regular IRA
1.95%$50k-1 Year Jumbo IRA
1.95%$25k$50k18 Month Junior Jumbo IRA
1.94%$1k$25k2 Year Regular IRA
1.85%$25k$50k1 Year Junior Jumbo IRA
1.85%$1k$25k18 Month Regular IRA
1.76%$50k-6 Month Jumbo IRA
1.74%$1k$25k1 Year Regular IRA
1.66%$25k$50k6 Month Junior Jumbo IRA
1.59%$50k-3 Month Jumbo IRA
1.56%$1k$25k6 Month Regular IRA
1.49%$25k$50k3 Month Junior Jumbo IRA
1.39%$1k$25k3 Month Regular IRA
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