Advantage Plus Rewards

Now there are even more pluses to having your Personal Checking with Advia.
3% APY on Checking1
Up to $10 Advantage Bucks Monthly2
Up to 1% APR Loan Rate Discount3
0.25% APY CD Rate Premium4

0.125% Off Mortgage Rate5 + $300 off admin fees5

Mortgage Options

Here’s all you need to qualify for rewards:

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 minimum 20 purchases

combined with your Advia Visa® Debit and Credit Card.

Apply for a Visa® Credit Card.

Maximize your Advantage Plus Rewards with a Visa® Platinum Credit Card.

Rewards applied based on previous month’s activity.

Check your status and daily activity in Digital Banking.

3% APY Checking1
Applies to balances up to $5,000 in Regular and Assurance Checking only.

On the first day of the month interest begins to accrue.
Interest is applied to Checking at month end.

Up to $10 Advantage Bucks2
Applies to paper statement fees, out-of-network ATM charges, CU Service Center transactions, check orders, & overdraft transfer fees.

On the first day of the next month, your account will be credited back.
Applied to service charges received in the previous month. Advantage Bucks do not carry over to the next month.

Up to 1% APR Loan Discount3
Auto, RV, and Signature Loans.

At the time of acquiring your new loan.
Get discounts up to 0.75% APR for your Advantage Plus relationship and 0.25% APR when you elect automatic monthly payments.3

0.25% APY CD Premium4
Non-promotional CDs and IRA CDs.

At the time of opening your new CD.
Applies to new and renewing CDs.

$300 Off5
Mortgage Admin Fees

At time of Mortgage application.
Applies to new and refinanced mortgage loans.

0.125% Off5
Your Mortgage Rate

At time of Mortgage closing.
Applies to new and refinance mortgage loans.

$10 Advantage Bucks.

Credits up to $10 on previous month’s paid service charges: CU Service Center transactions, paper statements, non-Advia ATM charges, Advia check orders, and overdraft transfers. It is applied 1st day of each month for charges accrued the month prior.2

Youth and Seniors.

Youth and Seniors (under 25 and over 60). We’ve got you covered. Continue to enjoy FREE paper statements, money orders, cashier’s checks, and check printing.

  1. Annual Percentage Yield; subject to change. APY to be paid on balances held in Regular and Assurance Checking when account activity meets qualifications as Advantage Plus up to $5,000. Balances above $5,000 will earn our non-promotional stated rate with no maximum balance applicable. Dividend rate premium not eligible on balances held in Money Market Checking. Members may hold multiple Checking shares, however, promotional rate will be paid on first Regular or Assurance Checking share ID only. See Advantage Plus Rewards page for qualifications.
  2. A credit for the amount of service charges incurred, up to $10, will be applied to member’s share account following month-end processing for months in which member qualifies as Advantage Plus Rewards status. The following service charges are eligible for credit: CU Service Center transactions, paper statement, Advia check orders, non-Advia ATM transactions, and overdraft transfer fees from shares or lines of credit. Advantage Bucks do not carry over to the next month.
  3. Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate on personal loans only for the life of the loan; additional 0.25% APR discount if automatic monthly payments elected prior to first scheduled payment. Combined discounts may not go below floor rate at time of loan; offer excludes Home Equity Loans and Lines of Credit, Business/Commercial Loans, Mortgages, and Visa® Credit Cards.
  4. Advantage Plus CD Rate Premium = 0.25% APY on new CDs (excluding promotional and EZ Saver CDs); will be applied for the full term of the CD held. Early CD withdrawal penalties may apply. See Certificate of Deposit for details.
  5. 5 To receive waived valuation fee, you must apply by December 31, 2022 and loan must close to receive refund of valuation cost. Mortgage must be between $40,000 and $647,200 to be eligible. Mortgage rates current as of September 16, 2022 and assumes a 30-year fixed-rate purchase or refinance of a detached, owner occupied property with loan to value ratio of 80% and credit score of 740. A loan amount of $200,000 at an interest rate of 5.625% and APR of 5.741% has a payment of $1,151.31 with 0.5 point due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Exclusive Advantage Plus Membership offer for $300 off admin fees, waived valuation fee, and 0.125 rate discount must apply by December 31, 2022 and loan must close to receive full offer. Offer applies to Conventional Residential First Mortgages financed with Mortgage Center and excludes FHA, VA, and Home Equity Loans and Lines of Credit. Advia Credit Union membership required. Offer may not be combined with any other promo or discount. The promo has no cash value and is non-transferrable. Terms subject to credit and mortgage approval. Other restrictions may apply. All loans subject to approval.