Featured Savings Rates
Featured Accounts

Advia Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%5-year CD60 Month CD
0.25%1-year CD12 Month EZ Saver Certificate
0.15%SavingsSecondary Savings

Overview / Commentary
866-993-2328
550 S Riverview Dr
Parchment, MI 49004

Advia Credit Union is headquartered in Parchment and is the 9th largest credit union in the state of Michigan. It is also the 206th largest credit union in the nation. It was established in 1935 and as of March of 2016, it had grown to 306 employees and 123,106 members at 24 locations. Advia Credit Union's money market rates are 14% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership requirements for joining Advia CU are that you hold residence on the lower Michigan Penninsula, the Illinois County of Winnebago, or in the Wisconsin Counties of Green, Rock, or Walworth.
See current membership details

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Reviews (6)

Great Credit Union, Many Options. Online Banking. Great Rates.

Posted by: Anonymous | Jan 25, 2011

Great place to do you banking.

My Post Is Above About The Issues After My Husband's Death.

Posted by: Ally6770 | Feb 27, 2014

Things were pretty much settled by the end of the year, before the 6 months was up with no NCUA insurance. They did continue to give the children the high interest rate until the CD's matured giving the children time to decide what and if and where they wanted have the IRA's moved to. We had 4 credit unions and banks to go through and this one is the only one that seemed not to know what to do.

Overall Okay Local Bank

Our family has been banking with First Community for around eleven years. We have discussed multiple times switching to more technologically savvy banks that came out with iphone apps three years sooner, mobile check deposits two years faster and streamlined online banking lightyears ahead of the crowd, but we stuck with Advia. In return we have been constantly rewarded with the same persistent average customer service and banking services. First Community is not a bad bank by any stretch of the imagination because they offer just enough - middle of the road checking, savings and business accounts, no fee atms, debit cards and 24 hour help for lost or stolen checking - but they never go that extra mile.

Maybe we have never gone to another bank because we know it's a huge pain to move all of our accounts, so First Community is just that bank that is not spectacular, but not failing either.

DO BUSINESS ELSEWHERE!

Our car dealer said Advia could beat our credit union by 1/4%, and they were in our State, so we agreed. What a MISTAKE.
1. They do NOT offer auto pay unless you maintain a checking/savings with them. They won't take the money from another bank.
2. If you pay over the phone with a debit or credit card, it's $10!! (Therefore requiring an account with them, or using the antiquated check method.)
3. So, we paid by check in the correct amt. They put the check through as 4 cents short, which generated a late payment fee of $15!!
4. Called today to fix the mess. I was 30th in line on hold!
No THANK YOU. I WILL be transferring this loan!

Worst Credit Union I've Had The Displeasure To Deal With

I've had a Visa credit card with Advia for years. Just recently, I received a replacement card in the mail. I cut up my old card and activated this new one per the instructions. Then I tried to use it and it was declined. Brand new card - never used. I call the credit union and I'm told the card is "frozen." I asked, "do I owe money?" Answer, "no." My next question, "why would Advia send me a credit card, allow me to activate it, then freeze it?" Her answer, "it was frozen already when it was sent to you."

Stunned silence. "OK, so unfreeze it," I said.

"No, you'll have to apply for another card."

WHAT? I have had a credit card with Advia for years. Their website is always down, rarely works. I wouldn't waste a penny or two seconds trying to deal with this institution of chaos and ridiculousness.

First Community Credit Union Parchment Michigan

Posted by: Ally6770 | Oct 10, 2012

My husband passed 2 months ago. I was just able to start on changing the bank accounts. Went to Flagstar Bank and they were wonderful. Went to First Community Credit Union in Parchment Michigan (THE MAIN OFFICE) and wanted to transfer my husbands Roth IRA's into my name and was told that I could not, even though I am the primary beneificiary because the money was not from my work earnings and I had to cash them out and I could put them in regular CD's if I wanted. I COULD NOT BELIEVE MY EARS. Her name was Jessica. I then told her it did not matter but the money was from my work earnings because my husband was disabled and these were spousal IRA's. Then I was told I could not take out the RMD from the traditional IRA, (even though they did it for my sister in law when my brother died and for my brother in law when my sister died. I would have to take the RMD out when I cashed in the IRA. They also told me I could not disclaim the traditional IRA even though their disclosure says I can. They told me if I cashed it in I still could not change the beneficiary on the accounts or the ones I have with them. The IRA's must all be left to the same person. I cannot leave one IRA to one son and the other to the other son and have their wives as contingent beneficiaries. They wanted the death certificate and I would not give it to them because they did not know what they were talking about. I did not want the IRA's cashed in. When I spoke to someone else they also said I could not disclaim and that it would take 2-3 months to cash in the IRA CD's. They have an estate planning attorney on their board Danielle Streed and I cannot believe that this is going on. SOMEONE NEEDS TRAINING. They also said they do not have many IRA CD's there even though my brother in law, sister in law and a few friends do.

Of course I called then emailed a formal complaint to NCUA. Hope this gets fixed soon.



Health
A

Health Grade Components

Overall
NCUA #61503
Year Chartered1935
Employees306
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD5.31%
Annual Interest Income$11.3MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.19B$1.12B
LoansQ1 2016vs Q1 2015$825.7MM$666.7MM
DepositsQ1 2016vs Q1 2015$1.01B$971.8MM
Equity CapitalQ1 2016vs Q1 2015$142.8MM$132.7MM
Loan Loss AllowanceQ1 2016vs Q1 2015$6.5MM$5.7MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$10.9MM$8.5MM
Real Estate OwnedQ1 2016vs Q1 2015$777.00K$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.

Advia Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%--Holiday Club
0.15%$500-Share Savings
0.15%--Youth Savings
0.15%$500-Business Savings
0.15%$500-Secondary Savings

Advia Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$75k*-Money Market Savings
OTHER TIERS: 0.25% $2k - $25k | 0.35% $25k - $75k
0.50%*$75k*-Business Money Market Savings
OTHER TIERS: 0.25% $2k - $25k | 0.35% $25k - $75k
0.35%*$75k*-Money Market Checking
OTHER TIERS: 0.15% $2k - $25k | 0.25% $25k - $75k

Advia Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$50k*-Interest Business Checking
OTHER TIERS: 0.25% $2,500 - $10k | 0.50% $10k - $25k | 0.65% $25k - $50k
0.05%$500$25kRegular Checking

Advia Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$300-60 Month CD
1.45%$300-48 Month CD
1.30%$300-36 Month CD
1.25%$500-22 Month CD Promo
0.75%$300-24 Month CD
0.45%$50-24 Month EZ Saver Certificate
0.40%$300-12 Month CD
0.25%$300-6 Month CD
0.25%$50-12 Month EZ Saver Certificate
0.15%$300-3 Month CD
0.10%$50-6 Month EZ Saver Certificate
Locations

Advia Credit Union has 24 locations. Click to view all Advia Credit Union locations.