1 Interest begins to accrue at the time of disbursement. 2 Annual Percentage Rate. Member Advantage Program Current Discounts: eChecking & Advantage Plus Checking = 0.50%; Advantage Checking = 0.25%; Automatic monthly payment from Advia deposit account = 0.25%. Member Advantage loan discount rewards not applicable to Commercial Loans, Lines of Credit, Mortgage, Home Equity or Visa® Credit Cards. Floor rates and restrictions apply. All loans subject to approval. Rates and terms may vary based on creditworthiness of borrower. We do business in accordance with the Equal Credit Opportunity Act.