Credit Union CD Rates
Compare current CD rates and share certificate rates at Advia Credit Union. Our certificate accounts offer competitive APYs with flexible terms, and Advantage Plus Rewards members can earn even more. Rates are updated regularly, so check back often.
Regular CD Rates
Lock in a guaranteed return with a Regular CD. Compare current Regular CD rates and APYs across all available terms below.
| Account Type | Dividend Rate (interest) | Base APY* | Advantage Plus Rewards APY** |
|---|---|---|---|
| Regular CD 3-Month | 1.292% | 1.30% | 1.55% |
| Regular CD 6-Month | 1.490% | 1.50% | 1.75% |
| Regular CD 7-Month Promo | 4.169% | 4.25% | 4.51% |
| Regular CD 12-Month | 1.736% | 1.75% | 2.00% |
| Regular CD 21-Month Promo | 3.929% | 4.00% | 4.26% |
| Regular CD 24-Month | 1.982% | 2.00% | 2.25% |
| Regular CD 36-Month | 2.472% | 2.50% | 2.75% |
| Regular CD 48-Month | 2.716% | 2.75% | 3.01% |
| Regular CD 60-Month | 2.716% | 2.75% | 3.01% |
*Annual Percentage Yield (APY) is accurate as of 06/16/2026 and is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. Subject to penalty for early withdrawal. $500 minimum balance.
**Advantage Plus CD Rate Premium = 0.25% APR on new CDs (excluding EZ Saver CDs); will be applied for the full term of the CD held. See certificate for details. All rates and promotional offers associated with Advantage Plus are subject to change at any time. 7 and 21-month promotional rate terms to revert to non-promotional 6 and 24-month terms, respectfully, upon maturity. See adviacu.org/aplus for Advantage Plus qualifications.
All offers and rates are subject to change at any time. Restrictions apply.
EZ-Saver CD Rates
Start saving with just $50 and add money anytime during the term. Our EZ-Saver CD earns a fixed, guaranteed rate with interest paid monthly.
| Account Type | Dividend Rate (interest) | Base APY* |
|---|---|---|
| EZ Saver CD 24-Month | 1.884% | 1.90% |
| EZ Saver CD 12-Month | 1.638% | 1.65% |
| EZ Saver CD 6-Month | 1.391% | 1.40% |
*Annual Percentage Yield is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. $50 minimum balance. See Certificate of Deposit for details. EZ Saver CD Rates are subject to change at any time. Dividends are compounded and paid monthly. No Advantage Plus Rewards incentive may be applied. Fees may reduce earnings on account.
Frequently Asked Questions
CD rates can change at any time based on market conditions and Advia's rate policies. Once you open a CD, your rate is locked in for the full term — so even if rates change tomorrow, yours stays the same until your CD reaches the end of its term.
Both give you a guaranteed, fixed rate for the full term. The main difference is flexibility. A Regular CD requires a higher minimum deposit and locks in your opening amount — you can't add to it. An EZ-Saver CD opens with just $50 and lets you add money anytime during the term. Regular CDs typically offer higher rates in exchange for that trade-off.
Yes. Advantage Plus Rewards members earn a rate premium on new Regular CDs — an extra 0.25% APR on top of the base rate for the full term of the CD. EZ-Saver CDs are not eligible for the Advantage Plus rate premium. Learn more about Advantage Plus Rewards >
A share certificate is the credit union term for what banks call a certificate of deposit (CD). Both work the same way: you deposit money for a fixed term in exchange for a guaranteed interest rate. At Advia, our Regular CD and EZ-Saver CD are both share certificates — federally insured and backed by our member-owned credit union.
Our EZ-Saver CD opens with just $50, making it a great option if you're starting small or building your savings over time. Our Regular CD has a higher minimum deposit and is best if you have a lump sum ready to lock in at our best available rates.
When your CD reaches the end of its term, you have a few options. You can withdraw your money and the interest you've earned, roll it into a new CD at the current rate, or move it into a different Advia account. We'll send you a reminder before your CD matures so you have time to decide.
