Credit Union Savings Accounts
Compare Advia's credit union savings accounts and find the right fit for your goal. Every account is federally insured by the NCUA and backed by our member-owned credit union, so your money earns interest and stays safe while you save. Rates are updated regularly, so check back often.
Explore all our credit union savings account options.
Every Advia savings account is federally insured by the NCUA and backed by our member-owned credit union. Pick the account that matches your goal, or add a joint owner to save with a partner.
Regular (Primary) Savings
Our most straightforward savings account. Regular Savings, sometimes called a share savings account, is the foundation of your Advia membership. It's perfect for any long- or short-term goal, and gives you easy access to your money whenever you need it.
Earn up to
0.05% APY1
- $5 minimum balance
- Pays dividends quarterly on balances of $500+
- Optional overdraft for Checking
Advantage Plus High Yield Savings
Take your savings to the next level. When you meet Advantage Plus Rewards qualifications, your Advantage Plus High Yield Savings can earn a rate premium. Making it a strong choice for growing an emergency fund or long-term savings faster.
Earn up to
3.50% APY2
with Advantage Plus Rewards
- $10,000 minimum balance to earn dividends
- Interest paid monthly
- Unlimited withdrawals and deposits
Ultimate Savings
Open an Ultimate Savings account and take advantage of a promotional rate for your first five months. Great for new savers looking to grow their money with a strong initial boost.
Earn up to
2.50%
Promo APY3
- Available for personal and commercial accounts
- Interest paid monthly
- 24/7 access within Digital Banking
Health Savings Account (HSA)
Save for future medical expenses tax-free with an HSA from Advia. Enjoy the peace of mind that comes with a triple tax advantage on qualified healthcare costs.
Earn up to
2.00% APY1
- No minimum balance
- Competitive interest rates
- Free HSA Debit Card
Holiday Club Savings
Save all year for holiday gifts, travel, and seasonal spending. Your Holiday Club balance automatically transfers on November 1, right when you need it.
Earn up to
0.20% APY1
- No minimum balance
- Higher interest rate
- No monthly fee
Secondary Savings
Organize your money by goal with a Secondary Savings account. Great for building an emergency fund, saving for a vacation, or splitting savings across multiple goals.
Earn up to
0.05% APY1
- Earn interest quarterly on balances of $500+
- 24/7 access within Digital Banking
- No minimum balance
Money Market Savings
Get more from your money with progressive rates that grow as your balance does. Money Market Savings is a strong choice for members with larger balances who want more earning power without giving up flexibility.
Earn up to
0.60% APY4
- $1,000 minimum balance to earn dividends
- Interest paid monthly
- Progressive rates
UTMA Savings
A Uniform Transfer to Minors Act (UTMA) account lets you save on behalf of a child with a custodial account. Works like a savings account for kids, giving you tax-advantaged custodial control until they reach the age of majority.
Earn up to
0.60% APY4
- Earns quarterly dividends on balances of $5.00 or more
- Save for education expenses
- No limit to number or amount of financial contributions
Non-Interest Savings
A no-frills savings option for setting money aside without earning interest. Perfect if you just need a safe place to hold funds with 24/7 Digital Banking access.
You Get
24/7
Access
- No minimum balance
- No interest earned on your balance
- 24/7 access within Digital Banking
Tools & Calculators
We have your savings covered with our free calculators.
- The Impact of Saving More: See how your monthly savings adds up
- What Will My Savings Be Worth?: Project the value of your savings
- Save to Be a Millionaire: See how much to save to reach $1 million
- Save for College: Start planning for education expenses today
Frequently Asked Questions
A share savings account is the credit union term for a savings account. It's called a "share" because opening one gives you an ownership share in the credit union. It works exactly like a bank savings account, but the credit union structure means the earnings and benefits stay with members, not shareholders.
A savings account keeps your money separate from your everyday spending, earns you interest, and gives you a foundation for every other financial goal. Whether you're building an emergency fund, saving for a specific purchase, or just organizing your money, a savings account is often the simplest and safest place to start.
A checking account is built for spending — think everyday transactions, bill pay, and debit card use. A savings account is built for growing — you deposit money, earn interest, and access it less frequently. Most members use both: a checking account for daily needs and a savings account for goals.
Yes. You can add a joint owner to any Advia savings account. Joint savings accounts are a great option for couples, family members, or anyone saving toward a shared goal. Both account owners have full access to the funds and can make deposits and withdrawals.
For an emergency fund, most members choose an account that earns a competitive rate and gives you quick access when you need it. Our Advantage Plus High Yield Savings or a Regular Savings account are both strong options. The right choice depends on your balance and how you want to grow your savings.
You can open a savings account online through Digital Banking, over the phone at 844.238.4228, or at any Advia branch. You'll need a government-issued ID and your Social Security number to get started. Most accounts can be opened in about 10 minutes.
Not sure which type of savings account works best for you?
Fees may reduce earnings on account. See Disclosures page to review service charges that may apply.
- Annual Percentage Yield.
- APY of 3.50% 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 0.05%. A minimum $10,000 daily balance is required to earn dividends. No minimum balance to open. See adviacu.org/APlus for qualifications.
- Promotional Annual Percentage Yield locked in at time of account opening; available on new Ultimate Savings Accounts for first five monthly statement cycles only; no minimum opening balance, no minimum balance required to earn dividends during the promotional period. After the promotional period, a minimum $1,000 daily balance is required to earn dividends; the standard tiered rates will apply: $0-$999=0.00% APY, $1,000-$99,999=0.35% APY; $100,000-$249,999=0.70% APY; $250,000+=1.00% APY. No additional Advantage Plus Rewards rate incentives may be applied. Visit adviacu.org for more details. See our Service Charges for minimum balance fee.
- A minimum $1,000 daily balance is required to earn dividends. The following tiered rates will apply: $1,000-$24,999 = 0.40% APY; $25,000-$74,999 = 0.50% APY; $75,000+ = 0.60% APY.
Annual Percentage Yield (APY) is accurate as of 08/01/2026. All offers and rates subject to change at anytime. Restrictions apply.