Regular Savings Account
A credit union savings account that establishes your Advia membership. Whether you're building an emergency fund, saving for a new car, or working toward a dream home, this share savings account gives you a safe, dividend-earning place to grow your money at a member-owned credit union.
What is a Regular Savings account?
A Regular Savings account at Advia (also known as a share savings account) is your foundational credit union savings account that establishes your membership. It's the simplest way to start saving, build financial stability, and gain access to every product and service Advia offers.
- Earns quarterly dividends on balances of $500 or more
- $5 minimum to open
- Federally insured by NCUA up to $250,000 per depositor
- Optional overdraft protection for your Advia Checking
- 24/7 access through Digital Banking
- Current savings rates
Why open a Regular Savings account?
A Regular Savings account is more than a place to park your money. It's the starting point for every financial goal that comes after it. It's the starting point for every financial goal that comes after it:
- Establish your membership with Advia
- Save for a car, a home, or a dream vacation
- Build your emergency fund and give yourself a cushion
- Keep savings goals separate from spending
- Start where you are, with no large deposit needed
- Become part of something bigger as a member-owner
Credit Union Savings Account vs. Bank Savings Account: What's the difference?
While both accounts let you deposit money and earn interest, there are meaningful differences between a credit union savings account and a traditional bank savings account. Here's how they compare:
|
Regular Share Savings 01
|
Advia Regular Savings
|
Typical Bank Savings
|
|---|---|---|
| Access to funds |
Any time, through |
Any time, through |
| Deposit insurance |
NCUA-insured up to $250,000 |
FDIC-insured up to $250,000 |
| Earnings |
Dividends paid on balances |
Interest paid on balances |
| Ownership |
Member-owned |
Shareholder-owned |
| Profit destination |
Returned to members through |
Returned to shareholders |
| Terminology |
"Share" reflects your ownership stake |
No ownership in the bank |
| Who it's for |
Members of the credit union |
Customers of the bank |
When credit unions use the word "share," it's because members are the owners. When banks use the word "standard," it's because their savings accounts are considered just that. At Advia, our Regular Savings share account gives you the benefits of both a familiar savings experience with the member-first structure of a credit union.
How a Regular Savings account works:
A few simple steps to start growing your savings.
Become an Advia member with a $5 minimum opening deposit
Add money anytime — automatically, in person, or through Digital Banking
Once your balance hits $500, start earning quarterly dividends
Keep saving toward your goal with 24/7 access whenever you need it
Estimate your savings growth with a Regular Savings account.
Ready to start growing your savings with a Regular Savings account?
Open your Regular Savings account today. Whether you're saving a little or a lot, we're here to help you get started.
Frequently Asked Questions
A share savings account is the credit union term for a savings account. Opening one at Advia makes you a member-owner of the credit union — you hold a "share" in Advia. The account works exactly like a bank savings account, but earnings and benefits stay with members instead of shareholders.
It's a great fit if you're starting your savings journey, joining Advia for the first time, or looking for a foundation account you can build on. It's also a strong option if you want NCUA-insured savings with quarterly dividends and 24/7 access.
Both work the same way — you deposit money and earn a return on your balance. The difference is ownership. At a bank, "regular" savings accounts pay interest and profits go to shareholders. At Advia, our share savings account pays dividends and profits stay with members. That structure often means better rates, lower fees, and more member-focused service.
Your Regular Savings share account earns quarterly dividends on balances of $500 or more. You can open the account with as little as $5, but you'll need to reach the $500 threshold to start earning.
Yes. You can link your Regular (Primary) Share Savings to your Advia Checking account as optional overdraft protection. If your checking balance runs low, funds will transfer automatically from your share savings to cover the transaction.
You can open a Regular Savings share 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.
Ready to earn more?
Your Regular Savings account is a great starting point. When you're ready to grow your savings faster, explore our higher-rate options.
- Advantage Plus High Yield Savings — Earn up to 3.50% APY when you meet Advantage Plus Rewards status1
- Ultimate Savings — Earn up to 2.50% promo APY with no minimum opening balance2
- Money Market Savings — Earn progressive rates up to 0.50% APY with monthly interest3
- Secondary Savings — Open dedicated accounts to organize your savings by goal
Have questions about opening a Regular Savings account?
We're here to help. Chat with Ava, call 844.238.4228, schedule an appointment, or stop by any branch.
- 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. Annual Percentage Yield is accurate as of February 1, 2026. All offers and rates are subject to change at any time. Restrictions apply.
- 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. See our Service Charges for minimum balance fee.
All offers and rates are subject to change at any time. Restrictions apply.