Advantage Plus Rewards

Now there are even more perks to having your Personal Checking with Advia.
Open a Checking Account

Waived appraisal fee when you qualify with Advantage Plus Rewards.

Now through March 31, 2023, enjoy this additional savings when considering a Home Equity Line of Credit.5

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3% APY on Checking1
Up to $10 Advantage Bucks Monthly2
Up to 1% APR Loan Rate Discount3
0.25% APY CD Rate Premium4

Earn cash back equal to 0.25% annualized balance with Mortgage Advantage Bucks6

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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.

Apply Today

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.1

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.2

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.4

Waived Appraisal Fee5
Applies to a new Home Equity Line of Credit (HELOC).

At time of HELOC application
when you qualify with Advantage Plus Rewards if appraisal required.5

Mortgage Advantage Bucks6
Monthly cash deposit equal to 0.25% (annualized) of mortgage balance.

On the 15th day of the next month.
For mortgage loans (on accounts in good standing) obtained on or after February 1, 2023.6

$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

Open Checking Use e-Deposits

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.

Open Checking Get a Debit Card
  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. If line of credit application requires an appraisal, fee is waived if account qualifies with Advantage Plus Rewards at time of application. Offer good through March 31, 2023.
  6. Mortgage Advantage Bucks is a promotional offer tied to having an Advia Credit Union account meeting all following qualifications: (1) obtained first mortgage loan (applies to conventional residential first mortgages, FHA, and VA; excludes Home Equity Loans and lines of credit) with Advia Credit Union’s partner Mortgage Center on or after February 1, 2023, (2) must have met Advantage Plus Rewards criteria (see program details at adviacu.org/advantageplus) in the prior month to be eligible for the scheduled payout the following month, and (3) account is in good standing requirements as required to meet our Advantage Plus Rewards program criteria. When all qualifications are met, member will receive a promotional deposit into their primary share savings by the 15th of the month in an amount equivalent to 0.25% / 365 * # of days per month * prior month-end mortgage loan balance (payment example for $250,000 mortgage loan balance held within qualifying month with 30 calendar days = .0025/365*30*250,000 = $51.36). Promotional payout limited to only those months when all qualifications are met, up to concurrent twelve (12) payouts following month-end when mortgage loan is reported on Advia’s member operating system. Promotional deposits earned will be included in year-end 1099-INT. Promotional campaign effective February 1, 2023, and subject to change at any time. All loans subject to approval. Other restrictions may apply.