*Interest begins to accrue at the time of disbursement. All loans subject to approval. Rates and terms may vary based on credit worthiness of borrower. Member Advantage Program Current Discounts: eChecking & Advantage Plus Checking = 0.50%; Advantage Checking = 0.25%; Automatic monthly payment from Advia deposit account = 0.25%. Floor rates apply, and Member Advantage loan discount rewards not applicable to commercial loans, lines of credit, mortgage, home equity or Visa Credit Cards.