Regular Certificate of Deposit (CD)
Ready to give your savings a boost? Advia's Regular CD is a simple way to grow your money with a guaranteed return. No market ups and downs to worry about. Open a Regular CD with as little as $500 and start earning today.
Not a member? Join Advia today to unlock all the financial advantages of banking with Advia.
Earn up to 4.51% APY with Advantage Plus Rewards.1
What is a Regular CD?
A Regular CD (Certificate of Deposit) is a savings account at Advia Credit Union where you deposit a set amount for a fixed term in exchange for a guaranteed interest rate. Your money stays federally insured and grows steadily until the CD reaches the end of its term.
- Guaranteed return with a fixed rate and set term
- $500 minimum balance
- Federally insured by NCUA up to $250,000 per depositor
- Flexible 3 to 60-month terms to match your savings timeline
- No incoming wire transfer fee
- Highly competitive interest rates
Why open a Regular CD?
A Regular CD is a steady, predictable way to grow your savings with no market ups and downs to worry about. Right now, you can lock in one of our best rates yet:
- Earn 4.51% APY on a 7-Month Promo CD
with Advantage Plus Rewards¹ - Earn 4.26% APY on a 21-Month Promo CD
with Advantage Plus Rewards² - Standard rates as high as 4.25% APY¹
- Pair it with an IRA CD (Traditional & Roth options) to grow your retirement savings
See how Advia's Regular CD stacks up.
Earn Regular CD rates 2X above the national average, so your savings work harder for you.3
Annual Percentage Yield (APY) is accurate as of 06/16/2026.
How a Regular CD works.
A few simple steps to start growing your savings with a guaranteed return.
Open online in Digital Banking, visit your local branch, or give us a call
Pick the Regular CD term that fits your savings goals
Make your opening deposit of $500 or more
Watch your savings grow with a rate that won't change until your CD reaches the end of its term
Estimate your savings growth with a Regular CD
Ready to start earning a guaranteed return on your savings?
Open a Regular CD at Advia today. Whether you're saving toward a goal or just want to lock in a competitive fixed rate, we're here to help you get started.
Frequently Asked Questions
A Regular CD is a certificate of deposit that lets you lock in a fixed interest rate for a set term. It's also called a share certificate at credit unions. Think of it as one of the safest ways to grow your savings — you know exactly what you'll earn, right from day one.
A Regular CD is a good fit for people who have savings they won't need immediate access to and want a guaranteed, predictable return.
Here's the short version: you deposit at least $500, pick a term that works for you, and your money earns a fixed interest rate until the CD reaches the end of its term. When it does, you can take your money and the interest you've earned, or roll it into a new CD.
Yes, your money is federally insured by the NCUA up to $250,000 per depositor. That's the credit union version of FDIC insurance, so both your deposit and the interest you earn are protected. You can rest easy knowing your savings are secure.
Yes. If you take money out of your Regular CD before the end of the term, an early withdrawal penalty may apply. Check our certificate agreement for the full details, or give us a call we're happy to walk you through it.
A Regular CD locks in a fixed rate for a set term, which usually means you earn more than you would in a standard savings account. A savings account gives you flexible access to your money but typically earns a lower rate. CDs work best for money you don't need to touch right away.
Do you have questions about opening a Regular CD?
We're here to help. Chat with Ava, call 844.238.4228, schedule an appointment, or stop by any branch.
Annual Percentage Yield (APY) is accurate as of 06/16/2026.
- Annual Percentage Yield of 4.51% 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 4.25%. 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. 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.
- Annual Percentage Yield of 4.26% to be paid on balances in 21-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 4.00%. 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. Early CD withdrawal penalties may apply. 21-Month Promo rate terms to revert to non-promo 24-Month terms upon maturity. $500 minimum balance. See adviacu.org/APlus for qualifications.
- Source: S&P Capital IQ Pro; SNL Financial Data. Calculations: FDIC. Savings and interest checking account rates are based on the $2,500 product tier, while money market and certificate of deposit rates represent an average of the $10,000 and $100,000 product tiers. Account types and maturities published in these tables are those most commonly offered by the banks and branches for which we have data (on-tenor maturities).
All offers and rates subject to change at any time. Restrictions apply.