Advia Credit Union (MI/IL/WI) Adds 22-Month Promo Rate CD


Deal Summary: 22-month Promo Rate CD, 3.00% APY, $500 minimum deposit.

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

Michigan-based Advia Credit Union (Advia CU) has added a 22-month Promo Rate CD that earns 3.00% APY. The minimum opening deposit is $500, with no stated balance cap.

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

If your account has an original maturity of greater than one year and up to three years: The penalty we may impose will equal 180 days dividends on the amount withdrawn subject to penalty.

Funding a CD can be done by ACH, wire transfer, or internal 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.


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 68 Lower Peninsula 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 six full-service Wisconsin branches located in Beloit (2), 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, with a Texas Ratio of 3.45% (excellent), based on March 31, 2022 data. In the past year, Advia CU has increased its total non-brokered deposits by $152.23 million, an excellent annual growth rate of 6.65%. Please refer to our financial overview of Advia Credit Union (NCUA Charter # 61503) for more details.

More than 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 more than 191,000 members and assets in excess of $2.7 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 22-Month Promo CD Compares

When compared to similar length-of-term CDs tracked by which are available within the FOM and have minimum deposit requirements of $10k or less, no banks or credit unions have higher rates than currently offered on the Advia Credit Union 22-month Promo CD. The following table compares the 22-month Promo CD to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 7/19/2022.

To look 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, 1-year CD rates

  |     |   Comment #1
This 22 mo. short term CD is a good deal if you don't have the add-on CD's already in place. It's comparable to my GTE add-on that has about 20 months to go at 3.04% APY.
Advia Credit Union Has Rate-Leading Long-Term CDs
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...

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Advia Credit Union (MI/WI/IL) Adds 2.25% APY Holiday CDs
Deal Summary: Holiday Promo CDs, 2.25% APY available on 5-, 10-, and 25-month terms, $500 minimum deposit, available through December 23, 2019.

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

Now through December 23, 2019, Advia Credit Union (Advia CU) is offering “the best gift you can give yourself” – three Promo Rate CDs, each earning 2.25% APY. The minimum opening deposit is $500, with no stated balance cap.

While Advia CU offers additional basis points (5 or 10) on many of...

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Advia Credit Union (MI/WI/IL) Adds Trio Of Promo Rate CDs
Availability: Residents of Michigan's Lower Peninsula; the Illinois county of Winnebago; and the Wisconsin counties of Dane, Green, Jefferson, Milwaukee, Rock, Walworth, and Waukesha.

Advia Credit Union (Advia CU) is ending the year with a trio of Promo Rate CDs: 11-month (1.00% APY), 22-month (1.60% APY), and 70-month (2.30% APY). The minimum deposit is $500, with no stated balance cap.

Additional basis points for the Promo Rate CDs are available through the Member Advantage Rewards program. Members holding an Advantage Checking account qualify for an additional 5...

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Competitive CD Rates at First Community FCU In Michigan - Local Only

First Community Federal Credit Union is offering several competitive CD and IRA CD rates. The best rates require the Member Advantage Program. One of this blog's readers has CDs with this program, and she informed me that it requires a checking account with direct deposit and a balance of at least $25,000 in checking, savings and/or loans. An ACH transfer of at least $400 per month may also qualify. The following Member-Advantage CD rates are listed in the credit union's deposit rates page as of 8/15/2010:

  • 3.50% APY 60-month CD
  • 2.90% APY...
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3.00% 18-Month CD, 3.25% 23-Month CD & Other High CD Rates at First American Credit Union in WI & IL
First American Credit Union is having a CD promotion with several competitive rates. The rates range from 2.30% APY for 4 months to 3.40% APY for 30 months. Two of the most competitive include a 3.00% APY 18-month CD and a 3.25% APY 23-month CD. Minimum deposit is $500. CDs are also available in an IRA. These rates are listed on the credit union's front page and in this promotion page as of 3/25/09.

Membership is open to anyone who lives or works in Rock County, WI, Green County, WI, Walworth...

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More Past Offers

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.