5 star: | (9) | |
4 star: | (1) | |
3 star: | (0) | |
2 star: | (1) | |
1 star: | (5) |
I have been in this country for 15 years and had almost 800 credit score until I got a loan with those people. Now it’s 650 and they refuse to fix it.
this cu is extremely dangerous.beware.i was told that I can become a member here if I join usdaa th en I called usdaa they told me this was a scam and their are no memberships to their association and advancial cu refused to helpme out in any way.i bank all over the US and this was the worst experience I've ever had stay way from these people they are frauds
Hi all. Having successfully but with some difficulty opened an ira cd at Advancial, I was now ready to open a trust account and trust cd. I was sent most of the forms I needed but I noticed I needed one more. So quickly in one day I got that form emailed to me, and completed that form and the same day got the required notary . I used USPS certified tracked mail and that same day mailed it in with checks to both open a trust savings and purchase a trust cd. Well I had a repeat problem from my experience opening the trustee to trustee ira. I was hoping the problem was fixed. Advancial hours are 8-5 m-f with no backup dropbox available for the postmaster to leave mail, even I should say, if it is not certified or tracked. So the tracking for the trust savings and cd materials said there was no way to deliver on the first try ant 5:15 and the USPS would try again the following day. USPS tried and successfully delivered according to tracking. Next up- no one I could actually contact at advancial could actually say they had the package- I just need to wait and they will look for it and process it as time allows. I wanted the rate I requested, and rates change the 1st of the month normally. So, just a heads up- the people mean well but there are barriers to opening a trust cd there from out of state. I would have started earlier this month but did not have the funds earlier to do so. So be advised and good luck. I don't know if my requested trust cd will actually be opened before the end of the month. Today is the 26th.
Opened another 5-year jumbo today. Transfered money into the savings account earlier and then did a simple transfer to fund the CD. Took no more than a couple of minutes. Advancial 5-year CD rates are substantially higher than anyone else.
The worst on line application, membership enrollment, I have experienced. See for yourself. Respond to phone calls, if ever, or the next day or later.
Customer service processed my application timely with full communication along the way, including follow-up calls to ensure satisfaction. Reminds me of the full service banking of the past. Cudos to your employees
Sort of difficult to get them to open an account but once done I wired money from my Fidelity account.
It showed upon their website in an hour or two.
While waiting on hold to get someone to open the cd I looked around the website and realized you can open the cd in seconds online, can add or change POD status, and can add or change beneficiaries.
Probably the easiest app and website to use I have seen.
Interest can be toggled back and forth between adding to CD, transferring to savings or sending a check.
Becoming a member was very straight forward. If you must meet the requirements, then fill out an application. The review and approval takes no more than 2 days and in some cases same day if you meet eligibility through an existing family if already a member. Once you are approved, then you will receive a link to register where you will find a copy of your application and account number. You then use that account number or use your SSN to create your account login that is instant. Once you have account login, then it will take a few days to enable you to link external banks so that you can transfer funds. After that you can open CDs or additional savings accounts. Customer service is great through chat and through video calls. You can find many CUs around you that are shared partners, which means you can use them as Advancial CU to deposit funds, to withdraw funds, deposit checks etc. However the only thing you can not do at a shared CU branch is open an account, and also limit how much funds you can withdraw. If you intend to open a long term CD, then the EWP is 365 days of interest. If you open a long term CD and decide to terminate after 6 months, then you will lose 6 months of interest, and you will be required to pay another 6 months of interest from your principal because the penalty is 365 days of interest. It's the same as other banks or CUs, but I thought to let someone know who does not know how EWP works. I do not know or understand though why this CU is rated B.
Now the bad part is they will restrict you for any large ACH transfer from external bank into your Advancial CU account. Transferring fund through check will be placed on long hold. This is because of you are new member, so if you intend to put your money back to work with them, then you will find problems doing so until your account is not new to them anymore or established with them with transactions history.
Always the nicest, quickest, best of service at my local branch.
I wish their deposit rates were a little higher.
Just joined last month. Great CD rates. Had to complete a paper application, but customer service has been strong so far.
Advancial Credit Union offered a credit card which was the best I have ever seen. However, they did not let me (or anyone else) know of their policy changes which took place in the middle of a billing cycle. I know they have the legal right to do this and whatever else I agreed to, but I believe they have the ethical obligation to give us a few day's warning. It would have been nice to have received an email explaining the changes a week or more before the changes took place.
Advancial's Visa Rewards Plus credit card offers 0% interest for one year on all purchases and balance transfers. There is no balance transfer fee. The GREATEST benefit involved paying off the card. I could make payments on this Visa card using another credit card or debit card!!!! The restrictions on the payments were (A) The credit and debit cards used for payments could not be Visa cards. (B) The maximum allowed per month to use credit and debit cards for payments was $10,000. Needless to say, I paid off the card each month by first using many small (about $1) debit card payments to fulfill my Kasasa type requirements of having 10 debit card uses per month. Then near the end of the month, I would use my CITI DOUBLE CASH credit card to pay the rest of the $10,000 allowed. So I paid off the $10,000 balance transfer in one month and got my Advancial credit card balance down to $0. At that point, I could do another balance transfer with no fee and start the process over. So each month I was making about $200 in cashback on my CITI Double Cash card by using it to pay off the $10,000 . This could be done for a whole year. Note, I did not have to invest any money to make the $200 per month. I think at the end of the year I could perhaps close the card and apply for another one and repeat this process. I was also going to manage payments for friends and relatives after they opened the card. Luckily, I never got to the point of having friends and relatives open the Advancial card.
A couple of days ago I could no longer make payments on my Advancial card. New but undisclosed rules went into effect with no warning. These are : (A) no credit card payments are allowed at all (B) Debit card payments have a maximum of 4 payments per month and a maximum total of $5000 per month. The golden goose died.
I would not recommend this credit union because they changed the rules without having the decency to let us know beforehand. They may just change other rules too. If you want to take the chance, their credit card may still be worth getting today if you want a $20,000 "loan" interest-free for one year. (And you get $100 if you spend $500 in the 1st 90 days). Now I am planning to have my balance hover near my credit limit of $20,000 until the year is up and take advantage of the free loan. They may do what Alliant Credit Union did however and cancel your card without any reason.
Their process to open an account online is still a little cumbersome. After completing your application, they send you an email where you have to log into their secure email to get your account # and then use that to access your account. It's a small hassle. You also have to fund the account with a debit card for the $5 to open your share account. After that, you can open and fund a money market or CD account with money you ACH in from your other bank. It's nothing once you get the hand of it. CU are always a little different than banks because you are a shareholder, not just a customer.