Featured Savings Rates
Featured Accounts

Advantis Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.75%Reward CheckingFusion Checking
2.00%5-year CD60 Month CD
0.40%1-year CD13 Month Bump CD

Overview / Commentary
503-785-2528
10501 S.E. Main St
Milwaukie, OR 97222

Advantis Credit Union is headquartered in Clackamas and is the 4th largest credit union in the state of Oregon. It is also the 190th largest credit union in the nation. It was established in 1928 and as of September of 2016, it had grown to 195 employees and 66,401 members at 8 locations. Advantis Credit Union's money market rates are 25% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to anyone who lives, attends school or works in the state of Washington. Membership is also open to those who live or work in the Portland, Oregon area or in Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Wasco, Washington, and Yamhill Counties in Oregon.
See current membership details

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Reviews (6)

Great Service

Posted by: hjk | Feb 25, 2015

I've had nothing but good service from Advantis. Their online banking tools are very easy to use and I've benefited from good rates for the Fusion checking account. The information was quite clear as to what the requirements are to qualify for the highest interest and I've had no trouble meeting them. Staff at my local branch are very friendly and helpful.

Great Checking Rates & Great Service

Advantis recently expanded its territory to include ALL of Washington State, and 24 counties in Oregon. I went online to switch our checking to Advantis in November 2013 and do not regret it, despite the fact that their nearest office is 40+ miles from our house. Since we wanted personalized PINS, we did have to visit an Advantis office in person, but everything else was done online. I got a free set of 6 "starter checks" when I opened up the account, which I used to give a VOIDED check to set up direct deposit with my employer. I was able to change over ALL of my other checking debit functions with billers & credit card payments ONLINE without using any voided checks. Their Billpayer service works fine for my automatic monthly donation to a local charity. When I was about to bounce a payment to American Express because I accidentally listed my Advantis checking as "savings", I phoned up Advantis before they got the bounced check listing from the ACH, and ADVANTIS WAIVED MY overdraft fee! No other bank or CU in pays more than 2.25% for folks in Salem area, and on such a large maximum balance ($25K)! And their transaction notification system alerts allows lots of customization. Only need 12 Debit Card uses per month (without any requirements for signatures versus PINs).

Advantis Building Customer Relationships

Posted by: tblazed | Mar 30, 2014

Advantis is very good at communicating with customers, email or phone calls, and works hard to develop the client relationship. They usually are quick on deposits and normally will not charge excessive (if any) fees for accounts. Getting consumer secured loans usually doesn't mean competitive rates though, and if you don't have exceptional credit, I would shop for a car or home loan elsewhere, and actively. ATM fees are waived until you pass the 5th one in a month, then $1 is charged. Kind of ridiculous being they only have a few locations around the city. When buying a car, they hard sell you on binders and life insurance, much like a dealer. Overall, not a bad place to go, unless you want good, solid and reasonable rates to rebuild credit.

Not Good For Couples Or Multiple Account Holders

Posted by: michaelo | Mar 3, 2012

My wife and I are in the process of closing our two FUSION checking accounts with Advantis because they have become more rule-bound and impersonal than any of the three other local credit unions or two large, national banks that we also do business with currently.  We're moving the majority of our cash deposits back to Point West Credit Union, which by the way, currently offers higher rates of return (2.5%) with easier and fewer requirements in their version of  "fusion" accounts...

It is unfortunate because we originally liked our relationship with Advantis.  However, like what we found years ago with Onpoint/Portland Teachers, when Advantis started their expansion and building/developing their own branches, it seems the organization began getting a bit too full of themselves.  Also like what we saw with PTCU, after this began, the competitiveness of their service and products really started to drop off.

In particular, we think couples with multiple accounts really should examine the local market beyond Advantis.  Why?  We found that Advantis' policies are discriminatory against couples with multiple accounts.

For example:  To gain the higher rate of interest in their FUSION account (currently 2%), one of the requirements is to complete 12 ATM-based transactions each "statement" cycle.  They give one exception, one time, no matter how many accounts you have.  

So, if you are an individual member with one FUSION account, you get one exception.   Interestingly however, this one exception also applies to couples (two members) who, like us, had two FUSIONS accounts.  So, one of our accounts got this exception, the other was never even eligible for an exception.  Why not?

If you are single and opening one FUSION account, Advantis is probably an OK option-- particularly if their branches are convenient for you.  Their staff are nice and helpful.

If you're a couple and want or need multiple accounts -- definitely look elsewhere. There currently are better options in Portland.   Besides, it seems that Advantis' management is looking to attract and retain a customer base other than you anyway.

 

Advantis Poor Service

Posted by: brusser | Sep 27, 2015

We went to Advantis years ago. Back when you could actually call the branch itself. Seems last 3-5 years Advantis has slid down a sewer of incompetence and poor customer service. Just days ago someone else's money was transferred into my account. Yes! Money just showed up. We are trying to solve this mystery. How do you think the other guy feels? Some times the web site is down and calls about it go unreturned and emails the same. When you do call I sometimes can't understand the attempt at speaking English. Often the call taker who does speak English doesn't have a clue on solving the problem. So I say again we went to Advantis years ago because they were good at customer service, today they down right suck.

Bait And Switch!!

Posted by: mstahlne | Aug 10, 2013

BAIT AND SWITCH. They did not pay that rate, not once! I had months with more then 20 debit transactions (they require a minimum of 12 for promised rate) Some vendors ran my debit card differently then the way Advantis credits you for an transaction, keeping me from that rate.  SO Sketchy!!! ON TOP OF THAT, They bait you in with a decent interest rate, and hide behind that AND provide ABSOLUTELY no customer service to customers.  They charge you for everything as well! If you need a copy of a check, need temporary checks, they can't even provide these basic services. (cant even do that!)



Health
A

Health Grade Components

Overall
NCUA #62659
Year Chartered1928
Employees195
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD6.63%
Annual Interest Income$32.7MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$1.31B$1.21B
LoansQ3 2016vs Q3 2015$984.0MM$935.0MM
DepositsQ3 2016vs Q3 2015$1.15B$1.06B
Equity CapitalQ3 2016vs Q3 2015$138.1MM$128.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$5.9MM$5.7MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$3.9MM$3.1MM
Real Estate OwnedQ3 2016vs Q3 2015$0$75.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Advantis Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$50k*-Premium ESA Savings
OTHER TIERS: 0.05% $2,500 - $25k | 0.60% $25k - $50k
0.80%*$50k*-Premium Roth IRA Savings
OTHER TIERS: 0.05% $2,500 - $25k | 0.60% $25k - $50k
0.80%*$50k*-Premium IRA Savings
OTHER TIERS: 0.05% $2,500 - $25k | 0.60% $25k - $50k
0.30%*$50k*-IRA Savings
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $25k | 0.20% $25k - $50k
0.30%*$50k*-Roth IRA Savings
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $25k | 0.20% $25k - $50k
0.30%*$50k*-ESA Savings
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $25k | 0.20% $25k - $50k
0.20%*$10k*-HSA Interest Checking
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $10k
0.15%*$10k*-Regular Savings
OTHER TIERS: 0.05% $500 - $2,500 | 0.10% $2,500 - $10k
0.15%*$10k*-Tax Account
OTHER TIERS: 0.05% $500 - $2,500 | 0.10% $2,500 - $10k
0.15%--Youth Account
0.15%*$10k*-Business Savings Account
OTHER TIERS: 0.05% $500 - $2,500 | 0.10% $2,500 - $10k
0.15%*$10k*-Holiday Account
OTHER TIERS: 0.05% $500 - $2,500 | 0.10% $2,500 - $10k

Advantis Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$250k*-Premium Money Market
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $50k | 0.20% $50k - $100k | 0.40% $100k - $250k
0.50%*$250k*-Business Premium Money Market
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $50k | 0.15% $50k - $100k | 0.35% $100k - $250k
0.30%*$50k*-Standard Money Market
OTHER TIERS: 0.10% $2,500 - $25k | 0.20% $25k - $50k
0.30%*$50k*-Business Standard Money Market
OTHER TIERS: 0.10% $2,500 - $25k | 0.20% $25k - $50k

Advantis Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*-$25kFusion Checking
OTHER TIERS: 0.20% $25k+
0.25%*$250k*-Platinum Checking
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k | 0.15% $50k - $100k | 0.20% $100k - $250k
0.15%*$50k*-Interest Checking
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $50k
0.15%*$50k*-Business Solutions Checking
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $50k

Advantis Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*-60 Month CD
OTHER TIERS: 1.70% $500 - $25k | 1.80% $25k - $50k | 1.90% $50k - $100k
1.50%*$100k*-48 Month CD
OTHER TIERS: 1.20% $500 - $25k | 1.30% $25k - $50k | 1.40% $50k - $100k
0.95%*$100k*-36 Months CD
OTHER TIERS: 0.80% $500 - $25k | 0.85% $25k - $50k | 0.90% $50k - $100k
0.95%*$100k*-Business 36 Month CD
OTHER TIERS: 0.80% $500 - $25k | 0.85% $25k - $50k | 0.90% $50k - $100k
0.70%*$100k*-24 Months CD
OTHER TIERS: 0.55% $500 - $25k | 0.60% $25k - $50k | 0.65% $50k - $100k
0.70%*$100k*-Business 24 Month CD
OTHER TIERS: 0.55% $500 - $25k | 0.60% $25k - $50k | 0.65% $50k - $100k
0.55%$500-24 - 36 Months HSA CD
0.45%*$100k*-12 Months CD
OTHER TIERS: 0.30% $500 - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k
0.45%*$100k*-Business 12 Month CD
OTHER TIERS: 0.30% $500 - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k
0.40%*$100k*-13 Month Bump CD
OTHER TIERS: 0.20% $2,500 - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k
0.40%*$100k*-Business 13 Month Bump Rate Special CD
OTHER TIERS: 0.20% $2,500 - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k
0.35%*$100k*-6 Months CD
OTHER TIERS: 0.20% $500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k
0.35%*$100k*-Business 6 Month CD
OTHER TIERS: 0.20% $500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k
0.20%$500-6 - 11 Months HSA CD

Advantis Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.90%*$250k*-457 (b) Accounts
OTHER TIERS: 2.75% Up to $50k | 2.80% $50k - $150k | 2.85% $150k - $250k
2.00%*$100k*-60 Month IRA
OTHER TIERS: 1.70% $500 - $25k | 1.80% $25k - $50k | 1.90% $50k - $100k
1.50%*$100k*-48 Month IRA
OTHER TIERS: 1.20% $500 - $25k | 1.30% $25k - $50k | 1.40% $50k - $100k
0.95%*$100k*-36 Month IRA
OTHER TIERS: 0.80% $500 - $25k | 0.85% $25k - $50k | 0.90% $50k - $100k
0.70%*$100k*-24 - 35 Month IRA
OTHER TIERS: 0.55% $500 - $25k | 0.60% $25k - $50k | 0.65% $50k - $100k
0.45%*$100k*-12 - 23 Month IRA
OTHER TIERS: 0.30% $500 - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k
0.35%*$100k*-6 - 11 Month IRA
OTHER TIERS: 0.20% $500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k
Locations


Advantis Credit Union Locations
Branch Office3515 NE 15th AvePortland, OR 97212
Branch Office10501 SE Main St Ste 300Milwaukie, OR 97222
Branch Office825 NE Multnomah St Ste 110Portland, OR 97232
Branch Office21900 Willamette Dr Ste 203West Linn, OR 97068-3284
Branch Office3010 SE Belmont StPortland, OR 97214
Branch Office120 SW Taylor StPortland, OR 97204
Branch Office7387 NE Butler StHillsboro, OR 97124
Branch Office9200 SE Sunnybrook Blvd Suite 300Clackamas, OR 97015