Ultimate Savings Account
When you open this high interest savings account, you can earn 2.50% Promo APY for five statement cycles.1 After that, earn tiered rates up to {{RatePlaceholder}} APY1 — with no qualifications, no minimum balance, and unlimited access to your money.
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What is an Ultimate Savings account?
An Ultimate Savings account is a high-interest savings account from Advia Credit Union that pays an elevated promotional APY for your first five statement cycles, then transitions to competitive tiered rates. It requires no qualifications to earn, has no minimum opening balance, and gives you unlimited access to your money with interest paid monthly.
- 2.50% Promo APY for five statement cycles1
- No qualifications required to earn
- Unlimited withdrawals and deposits
- Uncapped earnings — no ceiling on what you can earn
Why open an Ultimate Savings account?
An Ultimate Savings account is ideal when you want to maximize your savings quickly without jumping through hoops. The 2.50% Promo APY1 gives your savings an immediate boost for five statement cycles, and because there are no qualifications and no minimum balance, every member can start earning right away, with full access to their money.
- Low risk with funds federally insured by the NCUA
- 24/7 access through Digital Banking
- Interest paid monthly
- No minimum opening balance
Is Ultimate Savings the same as Advantage Plus or Money Market Savings?
All three help you earn more than a standard savings account but each is built for different savings goals.. Here's how Ultimate Savings compares:
|
Ultimate Savings Col 1
|
Ultimate Savings
|
Advantage Plus High Yield Savings
|
Money Market Savings
|
|---|---|---|---|
| How You Earn Top APY |
2.50% Promo APY1 for five statement cycles |
Up to {{RatePlaceholder}} APY2 |
Progressive tiered rate |
| Qualifications Required |
None |
Advantage Plus Rewards qualifications |
None |
| Minimum Opening Balance |
None |
Standard requirements apply |
Standard requirements apply |
| Access to Funds |
Unlimited, 24/7 |
Unlimited |
Limited withdrawals |
| Best for |
A promotional-rate head start with no strings |
Active Advantage Plus members seeking highest ongoing APY |
Larger balances wanting tiered flexibility |
| NCUA Insured |
Checked
|
Checked
|
Checked
|
Choose Ultimate Savings when you want a high promotional rate with no qualifications and no minimum. Choose Advantage Plus High Yield Savings when you're active in the rewards program and want the highest ongoing APY. Choose Money Market Savings when you want tiered earning with occasional withdrawal flexibility.
Compare current Ultimate Savings account rates:
| Account Type | Promo Period APY** | APY* |
|---|---|---|
| Ultimate Savings ($250,000 and above) | 2.50% | 1.00% |
| Ultimate Savings ($100,000 – $249,999) | 2.50% | 0.70% |
| Ultimate Savings ($1,000 – $99,999) | 2.50% | 0.35% |
| Ultimate Savings ($0 - $999) | 2.50% | 0.00% |
How an Ultimate Savings account works:
Ultimate Savings works by paying tier-based dividends automatically as your balance grows. Each balance tier earns a progressively higher APY, and dividends compound on the schedule set by Advia (verify with current rate sheet). Your money remains liquid — no locked terms, no withdrawal penalties — and every deposit is federally insured by the NCUA up to $250,000.
Become an Advia member (or add to your existing membership)
Open Ultimate Savings and fund your account
Balance grows and APY tier upgrades automatically
Dividends post to your account on the scheduled cycle
What will your Ultimate Savings account balance be worth?
Ready to earn more automatically with Ultimate Savings?
Open your Ultimate Savings account today and let higher balances start earning higher APYs with no qualifications, no monthly fees, and no hoops. Just simple, automatic earning power.
Frequently Asked Questions
An Ultimate Savings account is a high-interest savings account that earns a {{RatePlaceholder}} Promotional APY1 for your first five statement cycles with no qualifications, no minimum opening balance, and no monthly fees. After the promotional period, your balance earns the competitive standard tiered APY automatically, so your money keeps growing without any action on your part.
You earn the {{RatePlaceholder}} Promotional APY1 automatically. There are no qualifications to meet, no direct deposit requirement, and no minimum balance needed to unlock the rate. Simply open your Ultimate Savings account and the promo rate applies for your first five statement cycles. After that, your balance transitions to the standard tiered APY.
No. There is no minimum opening balance and no minimum balance requirement to keep your Ultimate Savings account open or to earn the promotional rate. You can start saving with any amount and still receive the full {{RatePlaceholder}} Promo APY1 during your first five statement cycles.
After your five promotional statement cycles, your Ultimate Savings balance automatically earns the competitive standard tiered APY with no action required from you. Your account stays open, your funds remain fully accessible, and you continue earning interest at the current standard rate for your balance tier.
No, they're built for different goals. Ultimate Savings offers a promotional rate with no qualifications, making it ideal for members who want a high rate automatically. Advantage Plus rewards you with a higher rate when you meet monthly qualifications, and Money Market Savings pairs tiered rates with limited check-writing access. If you want a strong rate without hoops to jump through, Ultimate Savings is the simplest choice.
You can open an Ultimate Savings account online in minutes, at any branch, or by calling our member service team. Once your account is funded, your {{RatePlaceholder}} Promo APY1 starts immediately for your first 5 statement cycles with no qualifications and no minimum balance to worry about.
More ways to save.
After your promotional period, explore other ways to keep earning competitive rates.
- Advantage Plus High Yield Savings — Earn up to 3.50% APY2 with Advantage Plus Rewards — our highest savings rate
- Money Market Savings — Earn progressive rates up to 0.60% APY3 with no term commitment
- Holiday Club Savings — A dedicated account that helps you save year-round for holiday expenses
- Secondary Savings — Open goal-specific savings accounts alongside your Ultimate Savings
Still have questions about opening an Ultimate Savings account?
- 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.
- 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. >
- 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.