Advia 90 year anniversary!
We're proud to celebrate 90 years of serving members in Michigan, Wisconsin, and Illinois. Founded in 1935 and proudly evolving from Educators and Associates (E&A) Credit Union to Advia, we're continuing our legacy of providing financial advantages.
To celebrate, we're giving you lower rates on loans, bigger returns, and more great perks.
Not a member? Join today to unlock all the financial advantages of banking with Advia.
Celebrate with limited-time rates on CDs, loans, and more.
Our core values are what drives us.
We hold these as the foundation for every financial solution we offer.
Act with Integrity
Drive Progress
Build and Strengthen Relationships
Keep People at the Core
Do you have questions about our limited-time offers?
- Annual Percentage Yield of 4.90% to be paid on balances in 7-Month Promo CD when account activity meets qualifications as Advantage Plus Rewards at time of opening. Account activity that does not meet Advantage Plus Rewards qualifications will earn an APY of 4.63%. APY is accurate as of 10/01/2025 and is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. Early CD withdrawal penalties may apply. 7-Month Promo rate terms to revert to non-promo 6-Month terms upon maturity. $500 minimum balance. See adviacu.org/aplus for qualifications.
- Introductory Annual Percentage Rate (APR) of 5.90% for the first 12 months is a promotional offer available for new HELOC applications or those refinancing an existing HELOC from another financial institution, provided the application meets the following qualifications: (1) minimum credit score of 700 at time of application, (2) combined Loan-to-Value (CLTV) of 70% or below, and (3) minimum line of $10,000 selected. (4) Member is Advantage Plus status at the time of application. Estimated monthly payment for a $10,000 HELOC during the introductory period for the following APR: 5.90% = $48.49 (interest only). Applicants that meet the first three qualifications but do not meet Advantage Plus Rewards qualifications will have an APR of 6.15% for the first 12 months. Following the promotional period of 12 months, the APR will revert to a variable rate, which is as low as 7.00% APR as of 09/02/2025, which may change quarterly based on 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. 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.
- $900 Closing Cost promotion is on purchase and refinance transactions and saves you $900 on your closed home loan. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Application must be taken between September 1, 2025 and December 31, 2025. Mortgage amount must be between $40,000 and $806,500 to be eligible. Mortgage rates current as of 08/25/2025, and assume a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan with a 30 year term and an amount of $225,000 at an interest rate of 6.375% and an APR of 6.518% has a payment of $1,403.71 with 0.125 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Up to date rate information can be found at mortgagecenter.com/advia/rates/. Offer applies to Residential Conventional First Mortgages financed with Mortgage Center and excludes FHA, VA, Hobby Farm, Right Choice, Non-Warrantable Condo, PMI Saver, Home Equity Loans and Lines of Credit. This offer can only be used once in a 24-month time period. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval.
- Annual Percentage Rate of as low as 8.90% for thirty (30) months is for new Advia loans and loans transferred from outside institutions into a $2,500 or more Signature Loan. Offer applies to loan applications taken between October 1 and December 31, 2025. No more than 50% of aggregate refinanced loan amount may be currently held with Advia.
- Annual Percentage Rate – subject to market rate adjustments (see online rate sheet for details and search by zip code). Estimated monthly payment for $10,000 new vehicle loan for 42 months at 5.49% APR is $262.23. Cannot be combined with any other discounts. The Advantage Plus Personal Loan rate reduction will not apply beyond floor rate.
- Interest begins to accrue at the time of disbursement.
- Bonus points will be credited to eligible accounts within 45 days of qualifying activity. Offer valid for new cardholders who open a Visa® Advantage Points Credit Card and log in to the Amplifi Rewards platform during the promotional period from October 1, 2025 to December 31, 2025. Bonus points will be rewarded in two separate increments at the time of qualifying activity: 500 bonus points and an additional 400 bonus points. Bonus points are subject to the terms and conditions of the Amplifi Rewards program. Offers may be modified or withdrawn at any time. Other restrictions may apply.
- New member account to be opened with New Member Code NM1000 or by gaining membership through an indirect loan (at auto/RV dealership); offer not valid for current or previous members. New Loan must be funded and/or must qualify for Advantage Plus Rewards on Checking within 90 days of membership; Mortgage must close within 120 days. $500 deposited into Share Savings for funded & disbursed mortgage of $125K or more. $250 deposited in Share Savings for Advantage Plus Rewards qualification; see details: Advantage Plus Rewards. $250 deposited into Share Savings for funded & disbursed Home Equity Line of Credit, personal term Auto, RV type, or Signature loan of $10K or more. If a new account is opened via an indirect relationship (at an auto/RV dealership), the initial indirect loan obtained to open an account does not qualify for this incentive, to earn the $250, it must be for an additional loan. Incentive(s) paid within 45 days following month-end reporting showing qualification(s) have been met. Full account relationship must be in good standing at the time of incentive payout to qualify; if the account is closed within six (6) months of incentive payout, funds equal to incentive(s) paid may be withheld prior to account closing; incentives will be reported to the Internal Revenue Service. All offers and rates are subject to change at any time. Rate and terms may vary based on creditworthiness of borrower. All loans subject to approval. Floor rates and restrictions apply. Some products and services may vary based on geographical region. Equal Opportunity Lender. Federally Insured by NCUA.