You will love banking at Advia Credit Union.
Advia is member-owned, which means real advantages for you. From low rates to personalized banking solutions, you’ll experience the real difference a financial partner truly dedicated to you can make.
Better banking at your fingertips.
You'll get personalized service with cutting edge new technology designed to make your financial life even better.
- 24/7 Digital and Mobile Banking capabilities
- Over 35,000 fee-free ATMs and 5,000 shared branches nationwide
- Free credit score monitoring and fraud prevention in our app
- Easily send payments to friends and family
- Text alerts for loan payments, account balances, and fraudulent charges
Plus, get rewarded for being an active member and bonuses for referring others.
See what real people like you are saying about Advia.
Personalized service for a better banking experience.
Big On Service
Advia's services are similar to those of a big bank. However, unlike a big bank,
our only goal is to serve you and our community. Our wins are lower service charges,
better rates on deposits and loans, and free access to convenient services.
Real Advantages for Real People™
Advia’s mission is to provide financial advantages. We hold ourselves accountable to do what's right. Explore our Core Values to learn more about what we stand for.
NCUA Insured
Secured by National Credit Union Administration (NCUA) coverage, we can guarantee your
Advia Credit Union membership up to $250,000. Think of this as the same protection the
Federal Deposit Insurance Corporation (FDIC) provides to traditional banks, only with the added
benefit of a vested interest in you.
Open your account online today!
Experience real financial advantages.
- Estimated member savings in 2025 were $4,031 in average interest saved per transferred loan.
- Annual Percentage Yield; subject to change. APY to be paid on balances held in Regular and Assurance Checking when account activity meets qualifications as Advantage Plus $500 up to $5,000. Balances above $5,000 will earn our non-promotional stated rate with no maximum balance applicable. Dividend rate premium not eligible on balances held in Money Market Checking. Members may hold multiple Checking shares, however, promotional rate will be paid on first Regular or Assurance Checking share ID only. See Advantage Plus Rewards page for qualifications.
- Rates as low as 6.50% Annual Percentage Rate (APR). APR is variable and may change quarterly based on an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to as low as the Prime index + or - a margin. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial non-promotional loan rate). Advertised rate available to well-qualified borrowers and subject to creditworthiness, combined loan-to-value (CLTV), and underwriting criteria. Estimated monthly payment for a $10,000 HELOC for the following APR: 6.50% = $54.87 (interest only). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and CLTV of secured real estate at the time of application. No closing costs unless an appraisal is required for Home Equity Lines of Credit (HELOC). Consult a tax advisor regarding tax deductibility as tax laws are subject to change.
- Visa® Platinum Advantage Points Credit Card New Cardholder Offer: Intro APR as low as 0% on purchases made with Advia Visa Platinum Advantage Points Credit Card for the first 6 billing cycles after date of card issuance. Balance transfers made within 3 months from card issuance receive intro APR for 6 billing cycles from date of first balance transfer. The non-promotional variable APR will apply beginning the first day of the new billing cycle after the 6-month intro period. The non-promotional rate has a range of 14.49% to 22.49% APR, based on your creditworthiness. Visa® Platinum Variable Rate Credit Card New Cardholder Offer: Intro APR as low as 0% on purchases made with Advia Visa Variable Rate Credit Card for the first 12 billing cycles after date of card issuance. Balance transfers made within 3 months from card issuance receive intro APR for 12 billing cycles from date of first balance transfer. The non-promotional variable APR will apply beginning the first day of the new billing cycle after the 6-month intro period. The non-promotional rate has a range of 12.49% to 20.49% APR, based on your creditworthiness. A balance transfer fee of either $10 or 3% of the amount transferred, whichever is greater, will be assessed for each balance transfer processed on that account. Late payments or other account violations may result in the loss of the intro APR. If account is delinquent or over-limit at time of transfer, the intro rate will not apply. Promotional offer does not extend to Business Visa Platinum Credit Card. Loans held with Advia are ineligible for this promotion. Must be 18 or older. Rates as of 10/01/2026.
- 20,000 bonus points valid only on Visa® Platinum Advantage Points Credit Card. Not valid on Visa® Business and Variable Rate Credit Card, card reissues, or multiple cardholders. Must meet all qualifications in initial sixty (60) days following date of card issuance to receive credit of 20,000 points: 1) aggregate purchases of at least $2,000, and 2) aggregate purchases must be made within the first sixty (60) days of card issuance; credits or returns to card within this timeframe will be deducted from aggregate amount. Cash advances and balance transfers don’t apply. Points will be applied to member’s point balance within 45 days of meeting stated qualifications.
- Rates effective as of 11/09/2026. Annual Percentage Rate is subject to market rate adjustments (see adviacu.org/autorates for details and search by ZIP code). East Michigan, Wisconsin, and Illinois: Estimated monthly payment for a $10,000 new vehicle loan for 42 months at 5.29% APR is $261.34. West Michigan: Estimated monthly payment for a $10,000 new vehicle loan for 42 months at 5.39% APR is $261.80. Floor rates and restrictions apply. Discounts will not reduce the loan rate below the applicable floor rate.
- New member account to be opened with New Member Code NM1000; offer not valid for current or previous members and is not available to Advia Credit Union employees. To qualify for the incentives, members must achieve individual qualifications within 90 days of account origination date. Earn $250 with new Loan funded & disbursed: Home Equity Line of Credit, personal term Auto, RV type, or Signature loan of $10K or more. If a new member account is opened via an indirect relationship (at an auto/RV dealership), the initial indirect loan obtained to open an account does not qualify for this incentive. To earn $250 on a New Loan, it must be for an additional loan. Earn $250 with Advantage Plus Rewards status; see qualification details: adviacu.org/APlus. Earn $500 with a new or refinanced Mortgage. Incentive(s) deposited into Share Savings within 45 days following month-end reporting showing qualification(s) have been met. Full account relationship must be in good standing at the time of incentive payout to qualify; if the account is closed within six (6) months of incentive payout, funds equal to incentive(s) paid may be withheld prior to account closing. This offer may not be used in combination with other promotional offers. Other restrictions may apply.
Some products and services may vary based on geographical region. Offer and rates subject to change at any time. APR = Annual Percentage Rate. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.