With Advantage Plus Rewards.
It's like getting a high-five every month.
As low as 5.49% intro APR for 12-months* when you:
Open a new line or add to your pre-existing HELOC, with a minimum of $25,000.
Qualify for Advantage Plus Rewards!
OR
Have an Advia Checking account with an ACH Direct Deposit of $400 or more.
Even if you don’t meet all the above promotional requirements, you can still access a great introductory rate.
Three simple qualifications each month to earn rewards:
Have a Checking Account
e-Deposit at least $400
Make minimum 20 purchases
$10 Advantage Bucks.
Credits up to $10 of 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.5
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.
Annual Percentage Yield (APY) is accurate as of . The dividend declaration date is the last day of the dividend period and for the examples above is 12/31/2023.
- APY; subject to change. APY to be paid on balances held in Regular and Assurance Checking when account activity meets qualifications as Advantage Plus $500 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.
- APY of 5.00% 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 1.00%. A minimum $10,000 daily balance is required to earn dividends. No minimum balance to open. Dividends will be compounded and credited monthly based on daily average balances. 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. Rates subject to change at any time. See Advantage Plus Rewards page for qualifications.
- 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.
- Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate (APR) 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.
- 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.
Restrictions apply. All offers and rates subject to change at any time. All loans subject to approval.
*December 11, 2023 – May 31, 2024: Annual Percentage Rate of 5.49% for first 12 billing cycles after closing is a promotional offer tied to having an Advia Credit Union Checking account and meeting all the following qualifications: (1) minimum credit score of 680 at time of application, (2) combined Loan-to-Value (CLTV) of 70% or below, (3) min line of $25,000 selected (or added to a pre-existing HELOC already held with Advia Credit Union), AND (4) evidence of Checking Account and incoming recurring direct deposit of $400 or more monthly via employer payroll, pension, social security or other recurring governmental payment at time of loan closing, OR (5) must have met Advantage Plus Rewards criteria (see program details at adviacu.org/aplus) in the prior month to be eligible. Estimated monthly payment for a $10,000 HELOC during the promo period for the following APR: 5.49% = $45.75 (interest only). Following the promo period of 12 months, the APR will revert to a variable rate, which may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to as low as the Prime index + or - a margin. Ask about current rates. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial non-promotional loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and CLTV of secured real estate at the time of application. Some products and services may vary based on geographical region. Offer and rates subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.