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Advantage Plus Federal Credit Union

Popular Accounts at this Credit Union

2.30%Reward CheckingKasasa Cash
1.00%Reward SavingsKasasa Saver
1.50%5-year CD60 Months Share Certificate

Overview / Commentary
2133 E Center St
Pocatello, ID 83201-2616

Advantage Plus Federal Credit Union is headquartered in Pocatello and is the 12th largest credit union in the state of Idaho. It is also the 1,372nd largest credit union in the nation. It was established in 1953 and as of June of 2016, it had grown to 52 employees and 14,658 members at 7 locations. Advantage Plus Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, or attend school in Bannock, Power, Caribou or Bear Lake counties in Idaho.
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Reviews (2)

Advantage Plus Credit Union

My experience with Advantage Plus Credit Union has always been very positive. If I ever had an issue, they were always very prompt, and great to work with, and they kept in touch very well when dealing with any issues. They have two three locations, and my only negative comment would be regarding password change on an account. That particular service can only be dealt with at their main branch across town, and when the customer goes to do that, they are escorted to a small room back in the back of the Credit Union, and the transaction then takes place with their security person witnessing it. While this is a very, very good security measure, it also is kind of inconvenient traveling clear across town just in order to change a pass code which may have been forgotten, or time-wise, which may have become very old and just needs to be changed.

Advantage Plus also had very good rates on their savings and investments, and their fees were also quite reasonable.

Review, Advantage Plus Federal Credit Union, Pocatello, ID

I am a former account holder with Advantage Plus Credit Union in Pocatello, ID. My rating would be a four star as I liked most everything except for their proximity. If business with them required going into the credit-union one branch was approximately five miles away, ten round trip and the other was about three one way but when one is without a vehicle it required a bit of walking including up a steep hill which was below the local hospital. Although the route there and back was also one that is popular with students who walk to the university, or who are out jogging, during Winter it was also a little hard to deal with. Their main branch was also on the far side of Pocatello which was also hard and required a bus-trip. Other than that, their customer service was very good, they were prompt in answering questions, and most of the time their deposits to accounts were also quick and timely as was their direct deposit. They had good interest rates, and their per month charges were low. I would also recommend them to anyone with transportation, or who lives in proximity of their branches.


Health Grade Components

NCUA #8428
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD5%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$122.9MM$109.8MM
LoansQ2 2016vs Q2 2015$87.0MM$78.9MM
DepositsQ2 2016vs Q2 2015$109.6MM$97.1MM
Equity CapitalQ2 2016vs Q2 2015$10.8MM$10.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$450.00K$526.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.2MM$1.8MM
Real Estate OwnedQ2 2016vs Q2 2015$336.00K$233.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Advantage Plus Federal Credit Union Savings Account Rates

1.00%*-$15kKasasa Saver
OTHER TIERS: 0.25% $15k+
0.31%--Christmas Club Savings
0.25%--IRA Savings
0.25%--Roth IRA Savings
0.25%--CESA Savings
0.20%*$25k*-Share Plus Savings
OTHER TIERS: 0.10% $25 - $10k | 0.15% $10k - $25k
0.10%*$4k*-Regular Share Savings
OTHER TIERS: 0.01% Up to $4k
0.10%-$2kMedical Savings

Advantage Plus Federal Credit Union Money Market Rates

0.35%*$150k*-Money Market Savings
OTHER TIERS: 0.10% $100 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k | 0.30% $100k - $150k

Advantage Plus Federal Credit Union Checking Account Rates

2.30%*-$15kKasasa Cash
OTHER TIERS: 0.25% $15k+

Advantage Plus Federal Credit Union CD Rates

1.50%$1k-60 Months Share Certificate
1.25%$1k-48 Months Share Certificate
1.10%--11 Month Share Certificate Promo
1.00%$1k-36 Months Share Certificate
0.85%$1k-24 Months Share Certificate
0.65%$1k-12 Months Share Certificate
0.65%$1k-18 Months Share Certificate
0.25%$1k-3 Months Share Certificate
0.25%$1k-6 Months Share Certificate

Advantage Plus Federal Credit Union IRA Rates

1.50%--60 Months IRA Share Certificate
1.25%--48 Months IRA Share Certificate
1.00%--36 Months IRA Share Certificate
0.85%--24 Months IRA Share Certificate
0.65%--12 Months IRA Share Certificate
0.65%--18 Months IRA Share Certificate
0.25%--3 Months IRA Share Certificate
0.25%--6 Months IRA Share Certificate

Advantage Plus Federal Credit Union Locations
Branch Office2133 E Center StPocatello, ID 83201-2616
Branch Office150 W Chubbuck RdChubbuck, ID 83202-2313
Branch Office70 E 2nd SSoda Springs, ID 83276-1408
Branch Office465 Hillcrest AveAmerican Falls, ID 83211
Branch Office177 N 4th StMontpelier, ID 83254-1535
Branch Office3415 Johnny Creek RdPocatello, ID 83204-4458
Branch Office311 S Highway 91Preston, ID 83263