Advantage Plus High Yield Savings
Grow your money faster with a credit union high yield savings account built for members who want more from every dollar. Advantage Plus High Yield Savings pays up to 3.50% APY1 when you meet Advantage Plus Reward qualifications — with unlimited access, monthly dividend payouts, and the trust of a member-owned credit union behind every deposit.
Not a member? Join Advia today to unlock all the financial advantages of banking with Advia.
What is an Advantage Plus High Yield Savings account?
An Advantage Plus High Yield savings account is a federally insured deposit account that earns a significantly higher annual percentage yield (APY) than a standard savings account. It's Advia's premium option — a tiered savings product that rewards deeper banking relationships with higher earnings on every dollar you deposit.
- Premium 3.50% APY with Advantage Plus Reward status¹
- $10,000 minimum balance to earn the full tier
- Unlimited withdrawals and deposits
- Dividends paid monthly
- 24/7 Digital Banking access
- Federally insured by NCUA up to $250,000
- No monthly maintenance fee
Why open an Advantage Plus High Yield Savings account with Advia?
The benefits of a high yield savings account come down to one thing: your money works harder without giving up access. When you open an Advantage Plus High Yield Savings with Advia, you get the earning power of a credit union high yield savings account plus the relationship rewards only a member-owned institution can offer:
- Earn more on every dollar with our highest savings APY
- Keep unlimited access with no withdrawal limits, no penalties
- Watch dividends compound monthly, not quarterly
- Grow an emergency fund that earns while it waits
- Save with federally insured confidence
Is a high yield savings account the same as a money market or CD?
Same category, different tradeoffs. Here's how Advantage Plus High Yield Savings compares to your other Advia savings options:
|
HYSA Column1
|
Advantage Plus High Yield Savings
|
Money Market Savings
|
Certificate of Deposit
|
|---|---|---|---|
| Access to funds |
Unlimited withdrawals |
Limited withdrawals |
Locked until maturity |
| APY |
Up to 3.50% APY |
Progressive tiered rate |
Fixed rate for full term |
| Best for |
Emergency fund + goal growth |
Larger balances with flexibility |
Locked-in savings goal |
| Early withdrawal penalty |
None |
None |
Yes |
| Minimum to earn |
$10,000 balance |
$1,000 balance |
Varies by term |
| Rate structure |
Rewards-based tiered |
Balance-based tiered |
Fixed at open |
An account like Advantage Plus High Yield Savings gives you the strongest APY of our liquid savings options without locking away your cash. A Money Market Savings account offers a progressive rate for larger balances with occasional access. A Certificate of Deposit trades flexibility for a guaranteed fixed return. Many Advia members use all three — Advantage Plus High Yield Savings for growth, Money Market for larger reserves, and a CD ladder for long-term goals.
How much you could earn in one year with our 3.50% APY High Yield Savings with Advantage Plus Rewards:*
Earn $350
Earn $1,750
Earn $3,500
Earn $8,750
*Graphic is for illustrative purposes and may vary based on account. Example earnings based on stated deposit and interest, compounded monthly, remaining in account for one calendar year. Earnings have been rounded down to the nearest dollar amount.
How an Advantage Plus High Yield Savings account works:
A high yield savings account works by paying you a higher dividend rate on your deposits than a standard savings account. Here's how it works at Advia in four simple steps:
Open your Advantage Plus High Yield Savings through Digital Banking
Deposit $10,000 or more to reach the top earning tier
Unlock the full premium APY through Advantage Plus rewards
Dividends compound monthly with 24/7 access whenever you need it
Estimate your savings with Advantage Plus High Yield Savings.
Ready to start earning more with an Advantage Plus High Yield Savings?
Open yours today and put your money to work. Whether you're building an emergency fund, saving for a major goal, or maximizing a larger balance, Advia is here to help.
Frequently Asked Questions
A high yield savings account is a federally insured deposit account that earns a significantly higher annual percentage yield (APY) than a standard savings account. At Advia, Advantage Plus High Yield Savings pays up to 3.50% APY1 when you maintain a $10,000 balance and meet Advantage Plus Reward qualifications — with unlimited access and monthly dividend compounding.
A high yield savings account works by paying dividends on your deposits at a rate substantially higher than standard savings. At Advia, dividends on Advantage Plus compound monthly, meaning your earnings generate their own earnings over time. You keep unlimited access to your money with no locked terms, no withdrawal penalties, and your balance remains federally insured by the NCUA up to $250,000.
The benefits of a high yield savings account include: (1) significantly higher earnings than a standard savings account, (2) full liquidity with unlimited access to your funds, (3) federal deposit insurance protecting your balance, and (4) no risk to principal. With Advia's Advantage Plus, members also unlock relationship rewards including reduced loan rates, service charge credits, and CD rate premiums.
A high yield savings account gives you a premium APY with unlimited access to your money. A money market account offers a progressive tiered rate for larger balances but with limited withdrawal frequency. A certificate of deposit (CD) locks your funds for a fixed term in exchange for a guaranteed rate. Many Advia members use all three together — Advantage Plus for accessible growth, Money Market for larger reserves, and CDs for locked-in goals.
Yes, a high yield savings account is one of the safest and simplest ways for beginners to start earning meaningful interest. There's no market risk, deposits are federally insured, and you can withdraw anytime. If you're new to saving, Advia's Regular Share Savings is a $5-minimum starting point, and you can graduate to Advantage Plus once you reach the $10,000 balance tier.
Yes. Dividends earned on Advantage Plus High Yield Savings are taxed as ordinary income at your federal and state rate. Advia issues a 1099-INT each January for members who earn $10 or more in dividends. Consult a tax advisor for your specific situation.
Build your complete savings plan.
Advantage Plus High Yield Savings is designed for your primary savings. Add specialized accounts to cover every goal:
- Holiday Club Savings — Set aside money all year for holiday expenses — funds available November 1
- Secondary Savings — Create dedicated accounts for vacations, emergencies, or specific goals alongside your High Yield Savings
- HSA — Save tax-free for medical expenses with up to 2.00% APY2
- UTMA Savings — Save for a child's education or future with no contribution limits
Have questions about an Advantage Plus High Yield Savings?
We're here to help. Chat with Ava, call 844.238.4228, schedule an appointment, or stop by any branch.
Annual Percentage Yield (APY) is accurate as of 08/01/2026.
- APY of 3.50% to be paid on balances in Advantage Plus High Yield Savings when account activity meets qualifications as Advantage Plus and daily balance is $10,000 or above. Account activity that does not meet Advantage Plus qualifications will earn an APY of 0.05%. A minimum $10,000 daily balance is required to earn dividends. No minimum balance to open. See adviacu.org/APlus for qualifications.
- Annual Percentage Yield (APY) is accurate as of 03/01/2025. Dividends will be compounded and credited monthly based on daily average balance. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow the same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31. If an account is closed before dividends are credited, accrued dividends will not be paid. Limited one per primary member. Not available for Business Accounts. Members are responsible for determining their qualifications for an HSA. Coverage type, self-only or family coverage, is determined by the member's health insurance plan. Members should consult with their insurance provider and qualified tax advisor with eligibility questions.
Restrictions apply. All offers and rates subject to change at anytime. All loans subject to approval.