Advancial


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

Advancial is headquartered in Dallas and is the 14th largest credit union in the state of Texas. It is also the 193rd largest credit union in the nation. It was established in 1937 and as of December of 2021, it had grown to 237 employees and 102,436 members at 12 locations. Advancial's money market rates are 84% higher than the national average, and it has an A 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 Credit Union Announces CD Yields as high as 2.09% - 3/1/2022

These yields are for Advancial Regular, IRA, and Business Jumbo Certificates ($50,000 minimum) 5 years 2.09% 4 years 2.04% 3 years 1.99% 2 years 1.77% 18 mos 1.56% 1 year   1.35% 6 mos   0.92% 3 mos   0.54% somewhat lower yields for Junior Jumbo CDs ($25,000 minimum) and non-jumbo certificates ($1000 minimum) https://www.advancial.org/current-market-interest-rate/#savings

Advancial Raises Short-Term Jumbo Certificate Rates - 12/2/2021

Advancial has raised the rates on its 6-month, 1-year, 18-month, and 2-year Jumbo Certificates to very competitive levels. Minimum deposit is $50k.

Advancial 5 Yr Jumbo CD Now 2.23% APY - 11/1/2021

Rates increases across the board on CDs at Advancial. Biggest ones are occurring at 2 years and above. The 5 Yr jumbo was previously 2.02%. No increase on the premium money market, though. That's still .81% for $100K+. https://www.advancial.org/current-market-interest-rate/#certificates

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Awesome CU

Posted by: |

Just joined last month. Great CD rates. Had to complete a paper application, but customer service has been strong so far.

Great CU So Far!

Posted by: |

Their process to open an account online is still a little cumbersome. After completing your application, they send you an email where you have to log into their secure email to get your account # and then use that to access your account. It's a small hassle. You also have to fund the account with a debit card for the $5 to open your share account. After that, you can open and fund a money market or CD account with money you ACH in from your other bank. It's nothing once you get the hand of it. CU are always a little different than banks because you are a shareholder, not just a customer.

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: |

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.

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Health

Health Grade Components

Overall
NCUA #2285
Year Chartered1937
Employees237
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD8.9%
Annual Interest Income$61.3MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$2.16B$1.82B
LoansQ4 2021vs Q4 2020$1.36B$1.44B
DepositsQ4 2021vs Q4 2020$1.90B$1.58B
Equity CapitalQ4 2021vs Q4 2020$171.6MM$158.8MM
Loan Loss AllowanceQ4 2021vs Q4 2020$7.0MM$7.4MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$10.2MM$11.2MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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
0.81%$100k-Premium Money Market
0.21%*$50k*-Money Market Savings Accounts
OTHER TIERS: 0.11% $2.5k - $25k | 0.16% $25k - $50k
0.21%*$50k*-Business Money Market
OTHER TIERS: 0.11% $2.5k - $25k | 0.16% $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
2.09%$50k-5 Year Jumbo Certificate
2.09%$50k-Business 5 Year Jumbo Certificate
2.04%$50k-4 Year Jumbo Certificate
2.04%$50k-Business 4 Year Jumbo Certificate
1.99%$25k$50k5 Year Junior Jumbo Certificate
1.99%$50k-3 Year Jumbo Certificate
1.99%$50k-Business 3 Year Jumbo Certificate
1.99%$25k$50kBusiness 5 Year Junior Jumbo Certificate
1.94%$25k$50k4 Year Junior Jumbo Certificate
1.94%$25k$50kBusiness 4 Year Junior Jumbo Certificate
1.89%$1k$25k5 Year Certificate
1.89%$25k$50k3 Year Junior Jumbo Certificate
1.89%$25k$50kBusiness 3 Year Junior Jumbo Certificate
1.89%$1k$25kBusiness 5 Year Certificate
1.84%$1k$25k4 Year Certificate
1.84%$1k$25kBusiness 4 Year Certificate
1.78%$1k$25k3 Year Certificate
1.78%$1k$25kBusiness 3 Year Certificate
1.77%$50k-2 Year Jumbo Certificate
1.77%$50k-Business 2 Year Jumbo Certificate
1.67%$25k$50k2 Year Junior Jumbo Certificate
1.67%$25k$50kBusiness 2 Year Junior Jumbo Certificate
1.57%$1k$25k2 Year Certificate
1.57%$1k$25kBusiness 2 Year Certificate
1.56%$50k-18 Month Jumbo Certificate
1.56%$50k-Business 18 Month Jumbo Certificate
1.46%$25k$50k18 Month Junior Jumbo Certificate
1.46%$25k$50kBusiness 18 Month Junior Jumbo Certificate
1.36%$1k$25k18 Month Certificate
1.36%$1k$25kBusiness 18 Month Certificate
1.35%$50k-1 Year Jumbo Certificate
1.35%$50k-Business 1 Year Jumbo Certificate
1.25%$25k$50k1 Year Junior Jumbo Certificate
1.25%$25k$50kBusiness 1 Year Junior Jumbo Certificate
1.15%$100-Money Musketeers Starter Certificate
1.15%$250-Dinero Teens Starter Certificate
1.15%$1k$25k1 Year Certificate
1.15%$1k$25kBusiness 1 Year Certificate
0.92%$50k-6 Month Jumbo Certificate
0.92%$50k-Business 6 Month Jumbo Certificate
0.82%$25k$50k6 Month Junior Jumbo Certificate
0.82%$25k$50kBusiness 6 Month Junior Jumbo Certificate
0.72%$1k$25k6 Month Certificate
0.72%$1k$25kBusiness 6 Month Certificate
0.54%$50k-3 Month Jumbo Certificate
0.54%$50k-Business 3 Month Jumbo Certificate
0.44%$25k$50k3 Month Junior Jumbo Certificate
0.44%$25k$50kBusiness 3 Month Junior Jumbo Certificate
0.34%$1k$25k3 Month Certificate
0.34%$1k$25kBusiness 3 Month Certificate

Advancial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.09%$50k-5 Year Jumbo IRA
2.04%$50k-4 Year Jumbo IRA
1.99%$50k-3 Year Jumbo IRA
1.99%$25k$50k5 Year Junior Jumbo IRA
1.94%$25k$50k4 Year Junior Jumbo IRA
1.89%$25k$50k3 Year Junior Jumbo IRA
1.89%$1k$25k5 Year IRA
1.84%$1k$25k4 Year IRA
1.78%$1k$25k3 Year IRA
1.77%$50k-2 Year Jumbo IRA
1.67%$25k$50k2 Year Junior Jumbo IRA
1.57%$1k$25k2 Year IRA
1.56%$50k-18 Month Jumbo IRA
1.46%$25k$50k18 Month Junior Jumbo IRA
1.36%$1k$25k18 Month IRA
1.35%$50k-1 Year Jumbo IRA
1.25%$25k$50k1 Year Junior Jumbo IRA
1.15%$1k$25k1 Year IRA
0.92%$50k-6 Month Jumbo IRA
0.82%$25k$50k6 Month Junior Jumbo IRA
0.72%$1k$25k6 Month IRA
0.54%$50k-3 Month Jumbo IRA
0.44%$25k$50k3 Month Junior Jumbo IRA
0.34%$1k$25k3 Month IRA
Locations

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