Advantage Credit Union (IA)

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.acuiowa.org

641-792-5660

121 W 3rd St N
Newton, IA 50208

Advantage Credit Union (IA) is headquartered in Newton and is the 28^th largest credit union in the state of Iowa. It is also the 1,789^th largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 21 employees and 7,206 members at 1 location. Advantage Credit Union (IA)'s money market rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership to Advantage Credit Union is available to individuals who live or work in the Central Iowa counties of Appanoose, Benton, Boone, Davis, Iowa, Jasper, Keokuk, Lucas, Mahska, Marion, Marshall, Monroe, Polk, Poweshiek, Story, Tama, Wapello, Warren, or Wayne.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	64030
Year Chartered	1937
Employees	21
Primary Regulator

Profit Margin
Return on Assets - YTD	1.65%
Return on Equity - YTD	12.17%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$105.3MM$118.1MM
Loans	Q1 2025vs Q1 2024	$72.5MM$80.8MM
Deposits	Q1 2025vs Q1 2024	$90.4MM$101.7MM
Equity Capital	Q1 2025vs Q1 2024	$14.1MM$15.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2MM$1.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.3MM$2.9MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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

Advantage Credit Union (IA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	$15k^*	-	Health Savings Account
OTHER TIERS: 0.80% → $100 - $5k \| 1.01% → $5k - $15k
1.00%^*	$1	$2k	Life Happens Savings
OTHER TIERS: 0.30% → $2k+
0.75%	$100	-	Coverdell ESA
0.30%	$1	-	Golden Share Account
0.30%	$1	-	Christmas Club Account
0.30%	$1	-	Vacation Club Account
0.15%	$25	-	Prime Share Account

Advantage Credit Union (IA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.27%^*	$100k^*	-	Money Market Account
OTHER TIERS: 1.51% → $5k - $25k \| 1.76% → $25k - $50k \| 2.02% → $50k - $100k

Advantage Credit Union (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	$0	$10k	Cha-Ching Rewards
OTHER TIERS: 0.10% → $10k+
1.06%^*	$50k^*	-	Advantage Plus Checking
OTHER TIERS: 0.65% → $2k - $5k \| 0.75% → $5k - $15k \| 0.85% → $15k - $30k \| 0.95% → $30k - $50k

Advantage Credit Union (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.21%^*	$100k^*	-	6 Month Term Share Account
OTHER TIERS: 3.00% → $1k - $50k \| 3.10% → $50k - $100k
3.10%^*	$100k^*	-	12 Month Term Share Account
OTHER TIERS: 2.96% → $1k - $50k \| 3.00% → $50k - $100k
2.89%^*	$100k^*	-	24 Month Term Share Account
OTHER TIERS: 2.68% → $1k - $50k \| 2.79% → $50k - $100k
2.71%^*	$100k^*	-	36 Month Term Share Account
OTHER TIERS: 2.51% → $1k - $50k \| 2.61% → $50k - $100k

Advantage Credit Union (IA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%	$0	-	IRA Savings
0.75%	$100	-	Roth IRA Savings

Locations

Advantage Credit Union (IA) Locations
Branch Office	121 W 3rd St N	Newton, IA 50208-3040

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