Advia Credit Union

Overview / Commentary
6400 W Main St
Kalamazoo, MI 49009

Advia Credit Union is headquartered in Kalamazoo and is the 7th largest credit union in the state of Michigan. It is also the 148th largest credit union in the nation. It was established in 1935 and as of December of 2023, it had grown to 518 employees and 193,172 members at 28 locations. Advia Credit Union's savings rates are 8X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Advia Credit Union is open to those who live in Michigan's Lower Peninsula; the Illinois counties of Boone, Cook (north of Irving Park Road), DuPage, Kane, Lake, McHenry, and Winnebago; or the Wisconsin counties of Dane, Green, Jefferson, Kenosha, Milwaukee, Racine, Rock, Walworth, and Waukesha.
See current membership details

Reviews (8)

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

Posted by: |

Great place to do you banking.

Great Credit Union

I like my credit union as I have been a member since I was 18 years old. They are very competitive and treat you very nice. Always a smile on their face. As I'm a senior citizen if I take a lot out they kind of hint as to where I'm using my withdrawal. I know they are looking out for my welfare with all the crazy people out there online that would like to steal you blind. I appreciate that. I was even able to have one of my loans transferred to them and got one half off of my percentage rate. That's service I really liked. When I needed information for my mortgage refi (from another mortgage company) they were great at working with my lender. Sometimes it's a bit hard to get a mortgage loan from them though. That's my only issue with them as my credit is good and not excellent.

Advia- my experiences

I have been a member of this credit union for about 20 years. I have both a checking and savings account. It was first known as First American credit union and then acquired by Advia. I would say that they have done a good job updating their offerings such as online banking, and online support, and online bill pay. I have no complaints about the services they offer. The way they update checking account purchases done by debit card is what I have an issue with. Most purchases made from about 5 pm on Fridays through Monday at about 6 AM are not debited from your account immediately. Also, I do not like that when I do use the bill pay, an actual check is sent that I must wait for the receiver to cash before it is taken from my account. The delivery time for bill pay is also awfully long in what seems to be an intentional act since I can pay more for it to be sent right away. Overdraft protection on my checking account, although declined many times, also keeps reappearing on my account which requires me to contact them for removal every time.

Advia Credit Union review

I have been a member of Advia Credit Union for a couple years now. While I have found that their web presence is a bit lacking, their customer service is pretty good and they have pretty good rates for fees. I have had some issues with my account over the years and they are always quick to help. I actually had an issue recently where I had some charges that I did not do. They were quick to help me with my account. They got the charges taken off of my account and refunded my money. Overall, they're a decent credit union to go through, one of the better ones I've used.

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.

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

Posted by: |

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.

Online Banking

Posted by: |

once you get locked out of online banking it's a pain to get it reset. after about 5 different pieces of personal info and they still can't get it unlocked over the phone. have to go to a branch to get it done.

First Community Credit Union Parchment Michigan

Posted by: |

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 Grade Components

NCUA #61503
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD13.02%
Annual Interest Income$145MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$2.99B$2.89B
LoansQ4 2023vs Q4 2022$2.31B$2.17B
DepositsQ4 2023vs Q4 2022$2.52B$2.45B
Equity CapitalQ4 2023vs Q4 2022$268.7MM$237MM
Loan Loss AllowanceQ4 2023vs Q4 2022$17.2MM$11.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$15.7MM$12MM
Real Estate OwnedQ4 2023vs Q4 2022$101K$54K
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Always verify rates and promotions with the bank or credit union. We are not Advia Credit Union; 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.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Advia Credit Union Savings Account Rates

5.00%$10k-Advantage Plus High Yield Savings
4.00%--Ultimate Savings - Promotional Rate
1.00%*$250k*-Ultimate Savings - After Promo Period
OTHER TIERS: 0.35% $500 - $100k | 0.70% $100k - $250k
1.00%$10k-High Yield Savings
0.40%$500-IRA Savings
0.35%--Health Savings Account (HSA)
0.20%--Holiday Club
0.15%$5-UTMA Savings
0.05%$500-Regular Savings
0.05%$5-Youth Savings
0.05%$500-Business Savings
0.05%$500-Secondary Savings
0.05%--Special Purpose Savings

Advia Credit Union Money Market Rates

0.60%*$75k*-Money Market Savings
OTHER TIERS: 0.40% $2k - $25k | 0.50% $25k - $75k
0.60%*$75k*-Business Money Market Savings
OTHER TIERS: 0.40% $2k - $25k | 0.50% $25k - $75k
0.20%*$75k*-Money Market Checking
OTHER TIERS: 0.05% $2.5k - $25k | 0.15% $25k - $75k

Advia Credit Union Checking Account Rates

5.00%*-$5kAdvantage Plus Regular Checking
OTHER TIERS: 0.05% $5k+
5.00%*-$5kAdvantage Plus Assurance Checking
OTHER TIERS: 0.05% $5k+
0.20%*$50k*-Interest Business Checking
OTHER TIERS: 0.05% $2.5k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.05%$500$25kRegular Checking
0.05%$500$25kClassic Business Checking
0.05%--Assurance Checking

Advia Credit Union CD Rates

5.06%$500-6 Month Advantage Plus CD
4.80%$500-6 Month CD
4.80%$500-7 Month Promo CD
3.80%$500-56 Month Promo CD
3.55%$500-21 Month Promo CD
3.25%$500-60 Month Advantage Plus CD
3.00%$500-60 Month CD
2.90%$500-48 Month Advantage Plus CD
2.70%$500-36 Month Advantage Plus CD
2.65%$500-48 Month CD
2.45%$500-36 Month CD
2.25%$500-24 Month Advantage Plus CD
2.10%$500-12 Month Advantage Plus CD
2.00%$500-24 Month CD
1.90%$50-24 Month EZ Saver Certificate
1.85%$500-12 Month CD
1.80%$50-12 Month EZ Saver Certificate
1.70%$500-3 Month Advantage Plus CD
1.60%$50-6 Month EZ Saver Certificate
1.45%$500-3 Month CD

Advia Credit Union IRA Rates

5.06%$500-6 Month Advantage Plus IRA
4.80%$500-6 Month IRA
4.80%$500-7 Month Promo IRA
2.50%$500-60 Month Advantage Plus IRA
2.25%$500-60 Month IRA
2.15%$500-48 Month Advantage Plus IRA
1.95%$500-36 Month Advantage Plus IRA
1.90%$500-48 Month IRA
1.70%$500-36 Month IRA
1.50%$500-24 Month Advantage Plus IRA
1.35%$500-12 Month Advantage Plus IRA
1.25%$500-24 Month IRA
1.10%$500-12 Month IRA
0.95%$500-3 Month Advantage Plus IRA
0.70%$500-3 Month IRA


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