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Advantage Plus Rewards

Now there are even more pluses to having your Personal Checking with Advia.
3% APY

3% APY
on Checking1

Open a Checking
Advantage Bucks

Up to $10 Advantage Bucks Monthly2

Learn More
Loan Rate discount

Up to 1% APR Loan Rate Discount3

Apply for a Loan
CD Rate Premium

0.25% APY CD Rate Premium4

Open a CD Online

$300 Off5
Mortgage Admin Fees

Mortgage Options

0.125% Off5
Your Mortgage Rate

Mortgage Options
Advantage Plus Rewards is for personal accounts only. See more about Business Checking Accounts.

Easily qualify for Advantage Plus Rewards based on your previous month’s account activity.

We’ve simplified our monthly qualifications, so you'll only need to:
Get 1%

Have a Checking Account

including Regular, Assurance, or Money Market Checking.
Get 2%

e-Deposit at least $400

Direct Deposit, ATM, and Mobile Deposit (RDA) all qualify.
Get 3%

Make at least 20 purchases

combined with your Advia Visa® Credit and Debit Card.
Open a Checking Account
Use e-Deposits
Apply for a Visa Credit Card
Get a Visa Debit Card

Advantage Plus Rewards earned

based on meeting qualifications from the previous month:

How Advantage Plus Rewards are applied:

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.
Open a Checking Account
More on Advantage Bucks
Current Loan Rates
Current CD Rates
See Mortgage options and current rates.

More about your $10 Advantage Bucks.2

Advantage Bucks credits up to $10 on any previous month’s paid service charges: CU Service Center transactions, paper statements, non-Advia ATM charges, Advia check orders, and overdraft transfers. This will be applied to your account on the 1st day of each month for charges accrued the month prior. Unused Advantage Bucks do not carry forward to the following month.
Open a Checking Account
Use e-Deposits
Apply for a Visa Credit Card
Get a Visa Debit Card

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 a Checking Account
Use e-Deposits
Apply for a Visa Credit Card
Get a Visa Debit Card

How will we let you know where you stand?

See your current Advantage Plus status any time you log in to Digital Banking with our Rewards Tracker. You'll also receive two emails throughout the month to keep you updated and on track of your e-deposits and card purchases. You can also review your member statement or call us any time!
Open a Checking Account
Use e-Deposits
Get a Visa Debit Card
Apply for a Visa Credit Card

1 Annual Percentage Yield 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. 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 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 To receive waived valuation fee, you must apply by September 30, 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 June 20, 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 5.79% has a payment of $1,151.31 with 1 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 September 30, 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-transferable. Terms subject to credit and mortgage approval. Other restrictions may apply. All promotional offers associated with Advantage Plus are effective August 12, 2022 and are subject to change at any time. Federally Insured by NCUA. All loans subject to approval. Advia is an Equal Opportunity Lender. Mortgage Center is an Equal Housing Lender, NMLS #282701.