Advia Credit Union Has Rate-Leading Long-Term CDs

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Deal Summary: Advantage Plus Rewards CDs – 48-month (1.20% APY) and 60-month (1.45% APY), $500 minimum deposit.

Availability: Residents of Michigan's Lower Peninsula, nine southern Wisconsin counties, and seven northeast Illinois counties.

Two years ago this week, Advia Credit Union (Advia CU) unveiled three limited-time Promo Rate CDs (5-, 10-, and 25-month), each earning 2.25% APY. DA readers who opened a 25-month Promo Rate CD are probably on the look-out for somewhere to place the soon-to-be maturing funds.

It’s possible Advia CU may offer some promotional CDs in the next few weeks, but if that doesn’t happen, Advia CU’s 48-month and 60-month Advantage Plus Rewards CDs currently earn excellent rates. The minimum opening deposit is $500, with no stated balance cap.

The non-Advantage Plus Rewards CDs have rates that are 25 bps lower. The additional 25 bps are available through the Member Advantage Rewards program. Advia has simplified the Member Advantage Rewards monthly qualifications, making it quite easy to qualify.

Have a Checking Account – including Regular, Assurance, or Money Market Checking.

e-Deposit at least $400 – Direct Deposit, ATM, and Mobile Deposit (RDA) all qualify.

Make at least 20 purchases – with your Advia® Visa Credit and Debit Cards.

As stated in the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads as follows,

  • If your account has an original maturity of 48 months: The penalty we may impose will equal 270 days dividends on the amount withdrawn subject to penalty.
  • If your account has an original maturity of 60 months: The penalty we may impose will equal 360 days dividends on the amount withdrawn subject to penalty.
  • Funding a CD can be done by ACH, wire transfer, or a transfer from an Advia CU checking or savings account. Advia CU participates in both the CO-OP and Alliance One Shared Branch networks, facilitating the transfer of funds.

    Maturing funds can be distributed through a wire transfer, a check to the address on file, or transferred into an Advia CU checking or savings account. There is a seven calendar day grace period before a CD will automatically renew.

    Availability

    Headquartered in Parchment, Michigan, Advia Credit Union’s field of membership (FOM) is community-based, with individuals who live, work, or attend school in the following areas, eligible to join.

    Michigan: All of the Lower Peninsula’s 68 counties

    Wisconsin: Dane, Green, Jefferson, Kenosha, Milwaukee, Racine, Rock, Walworth, and Waukesha Counties

    Illinois: Boone, Cook (north of Irving Park Road), DuPage, Kane, Lake, McHenry, and Winnebago Counties

    Joining Advia CU and/or opening a CD can be done online, or at any of 19 full-service Michigan branches located in Battle Creek (2), Brownstown Township, Fort Gratiot, Kalamazoo (4), Marysville, Mattawan, New Baltimore, Parchment, Plainwell, Port Huron, Portage, Richland, Royal Oak, St. Clair, and Southgate. Advia CU also has seven full-service Wisconsin branches located in Beloit (2), Burlington, Elkhorn, Janesville, Salem, and Williams Bay, and three Illinois branches located in Cary, Crystal Lake, and Woodstock. While all branch locations are open to walk-in traffic, appointments are “highly encouraged” and can be scheduled online.

    A minimum $5 deposit into a Regular Savings account is required to establish a new membership.

    Participating in the Alliance One and CO-OP Shared Branch networks, Advia CU offers its members,

    access to 1,700 fee-free ATMs in Michigan and nearly 35,000 nationwide.

    Credit Union Overview

    Advia Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 4.51% (excellent), based on September 30, 2021 data. In the past year, Advia CU has increased its total non-brokered deposits by $232.83 million, an excellent annual growth rate of 11.16%. Please refer to our financial overview of Advia Credit Union (NCUA Charter # 61503) for more details.

    Nearly six years ago, Advia Credit Union made its debut. On January 1, 2016, the merger between First Community Federal Credit Union (est. 1938) and E & A Credit Union (est. 1935) became official, and Advia CU came into being. Eight months later, Advia CU acquired Mid America Bank in Janesville, Wisconsin, gaining four branches, more than 3,000 of the former bank’s customers, and expanding the FOM into eight Wisconsin counties. Advia CU is currently Michigan’s seventh largest credit union, with nearly 187,000 members and assets in excess of $2.6 billion.

    Our name means something – we provide advice, we are member advocates,
    and we offer advantages. We do this via innovated financial solutions.

    How the CDs Compare

    Given that Advia CU’s FOM includes three different states, a comparison to nationally available CDs is appropriate.

    When compared to 180 similar length-of-term CDs tracked by DepositAccounts.com that require a minimum deposit of $5k or less and are available nationwide, Advia Credit Union's 60-month Advantage Plus Rewards CD and 60-month CD APYs currently rank first and seventh, respectively.

    When compared to 168 similar length-of-term CDs tracked by DepositAccounts.com that require a minimum deposit of $5k or less and are available nationwide, Advia Credit Union's 48-month CD Advantage Plus Rewards and 48-month CD APYs currently rank first and ninth, respectively.

    The above information and rates are accurate as of 12/13/2021.

    To search for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

    Related Pages: Detroit CD rates, Grand Rapids CD rates, Chicago CD rates, Milwaukee CD rates, Madison CD rates, 5-year CD rates

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