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 its CDs through the Member Advantage Rewards program, the Promo CDs are excluded.
According to CSR, the Early Withdrawal Penalty for any of the Promo CDs is 90 days interest on the amount being withdrawn.
Headquartered in Parchment, Michigan, Advia Credit Union’s field of membership (FOM) is residency 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 Promo Rate CD can be done online, or at any of 21 full-service Michigan branches located in Battle Creek (3), Brownstown Township, Fort Gratiot, Kalamazoo (5), Marysville, Mattawan, New Baltimore, Parchment, Plainwell, Port Huron, Portage, Richland, Royal Oak, Southgate, and Springfield. Advia CU also has 11 full-service Wisconsin branches located in Beloit (2), Burlington, Elkhorn (2), Janesville (2), Madison, Salem, Waukesha, and Williams Bay, and four Illinois branches located in Cary, Crystal Lake, Rockton, and Woodstock.
A minimum $5 deposit into a Regular Savings account is required to establish a new membership.
In addition to participating the CO-OP Shared Branch network, Advia CU members,
have access to 1,700 fee-free ATMs in Michigan and nearly 30,000 nationwide.
Credit Union Overview
Advia Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas ratio of 5.94% (excellent), based on June 30, 2019 data. In the past year, Advia CU has increased its total non-brokered deposits by $94.26 million, an excellent annual growth rate of 6.47%. Please refer to our financial overview of Advia Credit Union (NCUA Charter # 61503) for more details.
Nearly four 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 eighth largest credit union, with nearly 160,000 members and assets in excess of $1.8 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 Promo Rate CDs Compare
Given that Advia CU’s FOM includes three different states, a comparison to nationally available CDs is appropriate.
When compared to 199 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 5-month Promo Rate CD APY currently ranks first.
When compared to 218 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 10-month Promo Rate CD APY currently shares the top spot with 1-year CDs offered by Quontic Bank, CommunityWide Federal Credit Union, and Wheelhouse Credit Union.
When compared to 209 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 25-month Promo Rate CD APY currently ranks fourth.
The above rates are accurate as of 12/16/2019.
To search for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.