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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

Advantage Bucks

Up to $10 Advantage Bucks Monthly2

Loan Rate discount

Up to 1%
APR Loan Rate
Discount3

CD Rate Premium

0.25% APY
CD Rate
Premium4

Open a Checking Account
More on Advantage Bucks
Apply for a Loan
Open a CD Online
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.
Open a Checking Account
More on Advantage Bucks
Current Loan Rates
Current CD 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. All promotional offers associated with Advantage Plus are effective January 21, 2022 and are subject to change at any time. Federally Insured by NCUA. All loans subject to approval. Advia is an Equal Opportunity Lender.