The holiday season is a time for joy, celebration, and creating memories—but it can also bring financial stress when big purchases start adding up. Whether you’re planning festive gatherings, buying gifts for loved ones, or booking holiday travel, Advia Credit Union helps you manage expenses without breaking your budget.
0% Intro APR on Visa® Credit Card Balance Transfers1
If you’re carrying balances on high-interest credit cards or retail store cards, now is the perfect time to take advantage of Advia’s Visa® Platinum Credit Cards. Consolidating your balances can help simplify payments and save significantly on interest. Advia’s members save an average of nearly $4,000 when transferring outside balances to Advia.1 For a limited time, enjoy 0% introductory APR on purchases and balance transfers when you open a new card.2 Plus, there are no annual fees, and you’ll have access to convenient digital tools like Card Management and fraud monitoring for peace of mind.
Signature Loans: A Seasonal Solution
For those who prefer a fixed-rate option, Advia’s Signature Loan is designed to make seasonal spending easier. With low rates, flexible terms, and no payments for the first 90 days, this loan is perfect for covering gifts, travel, or even consolidating holiday debt. You can also save up to 1% APR with Advantage Plus Rewards,3 making this an affordable way to lighten the load of holiday spending and keep your budget on track. Applications are quick and easy online, so you can focus on enjoying the season.
Introducing Buy Now, Pay Later
Advia’s newest feature—Buy Now, Pay Later4—offers even more flexibility for managing holiday expenses. This option enables you to split purchases into manageable payments or plan your purchase in advance without the stress of credit approvals or applications. Buy Now, Pay Later is a great way to stay in control of your spending while still enjoying everything the season has to offer.
At Advia, we believe the holidays should be about celebration, not financial worry. With solutions like 0% Visa® Balance Transfer,1 low-rate Signature Loans, and Buy Now, Pay Later,4 you have the tools to make this season bright without compromising your financial wellness. Ready to get started? Apply online today or visit your nearest branch to learn more.
About Advia Credit Union: Our mission is to provide financial advantages to its members. With $3.7 billion in assets, Advia seeks to provide quick and easy access to money and time-saving financial tools to nearly 200,000 members in Michigan, Wisconsin, and Illinois. Advia’s team of over 600 professionals delivers excellent service and innovative products at 34 locations and via digital and mobile platforms. Advia is guided by its core values: driving progress, acting with integrity, building and strengthening relationships, and keeping people at the core. Visit adviacu.org to learn more about how Advia provides Real Advantages for Real People™.
1. Estimated member savings in 2024 were $3,937 in average interest saved per transferred loan.
2. 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 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 14.74% to 22.74% 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 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 12.74% to 20.74% 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.
3. Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate on personal loans only for the life of the loan; additional 0.25% APR discount if automatic monthly payments elected prior to first scheduled payment. Combined discounts may not go below floor rate at time of loan; offer excludes Home Equity Loans and Lines of Credit, Business/Commercial Loans, Mortgages, and Visa® Credit Cards. See adviacu.org/Aplus for qualifications.
Must be 18 or older to apply. All offers and rates are subject to change at any time. 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.
4. Eligibility for the Buy Now Pay Later program options is subject to qualifying amounts, and existing account relationship(s). Membership account must be in good standing with verifiable deposits. You can only participate in the BNPL program if you receive an offer within Advia’s online banking portal. Must be 18 or older to apply. All offers and rates are subject to change at any time. Advia is an Equal Opportunity Lender.