Home sweet savings: discounted Mortgage closing costs!
Celebrate your new move with $1,200 off closing costs on a new purchase Home Mortgage1 or get $500 off closing costs on a refinanced Home Mortgage.2 Wherever your path leads, rest assured you'll save money along the way.
Accelerate your earnings with our 11-Month Promo CD.3
Get 4.51% APY on an 11-Month Promo CD with Advantage Plus Rewards (4.25% APY otherwise).3 CDs offer a set rate, which will not change even in a volatile market. Maximize your money while enjoying peace of mind.
HELOC as low as 6.49% intro APR with Advantage Plus Rewards.4
Turn dreams to reality with a low-rate Home Equity Line of Credit. Enjoy low-to-no closing costs5 and interest-only payments for 10 years. Get flexible access to funds to cover big plans or unexpected costs.
Visa® $3K Giveaway: Endless Entertainment6
Score the best seats in the house! Use your Advia Visa® Credit or Debit card on entertainment related purchases for a chance to win $3,000.6 Earn up to three entries per week whether you spend your time catching up on the latest shows, cheering on your favorite team, or listening to your favorite podcasts. See Official Rules for complete details, retailer restrictions, and how to enter without making a purchase.
3.50% APY High Yield Savings with Advantage Plus Rewards.7
Elevate your savings! Earn 3.50% APY when you qualify for Advantage Plus Rewards and maintain a minimum $10,000 daily balance.7 Plus, enjoy unlimited withdrawals and deposits.
Auto Loans as low as 5.99% APR.8
Hit the road in style, without breaking the bank! Secure your new low-rate Auto Loan and enjoy no payments for 90 days.9 We’re here to make buying or refinancing your car simple.
Never miss a beat with our Enhanced Push Notifications.
Simply log into the Digital Banking app and select Security & Settings from the menu to opt into Enhanced Push Notifications; you'll be notified with important account information, service updates, money-saving offers, and more.
Navigating updates to social security, including new identification validation.
There have been several recent updates that may impact your Social Security benefits. Some changes include a cost-of-living adjustment, an update to the ID verification process, and more. As always, your savings are safe and secure with Advia.
- $1,200 Closing Cost promotion is on purchase transactions and saves you $1,200 off the current administration and underwriting fees on your closed home loan. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Application must be taken between April 1, 2025 and August 31, 2025. Mortgage amount must be between $40,000 and $806,500 to be eligible. Mortgage rates current as of 03/17/2025, and assume a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan with a 30 year term and an amount of $225,000 at an interest rate of 6.5% and an APR of 6.633% has a payment of $1,422.15 with 0.0 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Up to date rate information can be found at mortgagecenter.com/advia/rates/purchase. Offer applies to Residential Conventional First Mortgages financed with Mortgage Center and excludes FHA, VA, Hobby Farm, Right Choice, Non-Warrantable Condo, PMI Saver, Home Equity Loans and Lines of Credit. This offer can only be used once in a 24-month time period. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply.
- $500 Closing Cost promotion is on refinance transactions and saves you $700 off the current administration and underwriting fees on your closed home loan. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Application must be taken between April 1, 2025 and August 31, 2025. Mortgage amount must be between $40,000 and $806,500 to be eligible. Mortgage rates current as of 03/17/2025, and assume a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan with a 30 year term and an amount of $225,000 at an interest rate of 6.5% and an APR of 6.633% has a payment of $1,422.15 with 0.0 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Up to date rate information can be found at mortgagecenter.com/advia/rates/refinance. Offer applies to Residential Conventional First Mortgages financed with Mortgage Center and excludes FHA, VA, Hobby Farm, Right Choice, Non-Warrantable Condo, PMI Saver, Home Equity Loans and Lines of Credit. This offer can only be used once in a 24-month time period. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply.
- Annual Percentage Yield of 4.51% to be paid on balances in 11-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 04/08/2025 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. 11-Month promo rate terms to revert to non-promo 12-Month terms upon maturity. $500 minimum balance. Rates subject to change at any time. See Advantage Plus Rewards for qualifications.
- Introductory Annual Percentage Rate (APR) of 6.49% for the first 12 months is a promotional offer available for HELOC applications submitted based on the following qualifications: (1) minimum credit score of 700 at time of application, (2) combined Loan-to-Value (CLTV) of 70% or below, and (3) minimum line of $10,000 selected. (4) Member is Advantage Plus status at the time of application. Estimated monthly payment for a $10,000 HELOC during the introductory period for the following APR: 6.49% = $55.12 (interest only). Applicants that meet the first three qualifications but do not meet Advantage Plus Rewards qualifications will have an APR of 6.74% for the first 12 months. Following the promotional period of 12 months, the APR will revert to a variable rate, which is as low as 7.00% APR as of 02/01/2025, which 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). 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).
- TWO WAYS TO ENTER: Purchase Entry Method: An Advia CU member, who is the primary cardholder on their account, will receive one (1) automatic Sweepstakes entry, up to a maximum of three (3) entries each week, when they make an eligible purchase at any of the following merchant category codes: 4812 - Telecommunication Equipment and Telephone Sales, 4814 - Telecommunication Services including Local and Long Distance Calls, Credit Card Calls, Calls Through Use of Magnetic Strip Reading Telephones, and Fax Services, 4816 - Computer Network/Information Services, 4899 - Cable, Satellite, and Other Pay Television/Radio/Streaming Services, 5971 - Art Dealers and Galleries, 5815 - Digital Goods Media – Books, Movies, Digital artwork/images, Music, 5816 - Digital Goods, 5818 - Digital Goods – Large Digital Goods Merchant - All regions (excluding Europe), 5968 - Direct Marketing – Continuity/Subscription Merchant, 7832 - Motion Picture Theaters, 7922 - Ticket Agencies and Theatrical Producers, 7929 - Bands, Orchestras, and Miscellaneous Entertainers, 7941 - Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters, 7991 - Tourist Attractions and Exhibits, 7993 - Video Amusement Game Supplies, 7994 - Video Game Arcades/Establishments, 7996 - Amusement Parks, Circuses, Carnivals, and Fortune Tellers, 7998 - Aquariums, Seaquariums, Dolphinariums, and Zoos with a valid Advia Credit Union Visa® Debit Card or Visa® Platinum Advantage Points, Fixed Rate, or Variable Rate Credit Card during the Sweepstakes Entry Period of April 1 - June 30, 2025. Qualifying purchases will be limited to three (3) per week. Entries received in excess of the allowable limit noted above will be void. Entries from unauthorized card use or purchases made on cards that are lost, stolen, or fraudulent credit or debit cards are void. To enter without any kind of purchase/payment/transaction or obligation: No purchase, payment, obligation, or card usage of any kind, necessary to enter or win. Limit of three (3) mail-in entries per person per week. Non-purchase entries and purchase entries have an equal chance of winning. Sweepstakes entries are limited to no more than a combination of three (3) per week regardless of entry method used throughout the Sweepstakes Entry Period. Prize awarded as one-time (1) deposit into Advia Credit Union Regular Savings Account. Ends June 30, 2025. Void outside of IL, MI & WI. Open to Advia Credit Union members in good standing who are legal residents of IL, MI & WI who are 18+ as of April 1, 2025. Void where prohibited. See Official Rules for complete details, retailer restrictions, and how to enter without making a purchase.
- APY of 3.50% to be paid on balances in Advantage Plus High Yield Savings when account activity meets qualifications as Advantage Plus and daily balance is $10,000 or above. Account activity that does not meet Advantage Plus qualifications will earn an APY of 0.50%. A minimum $10,000 daily balance is required to earn dividends. No minimum balance to open. Rates subject to change at any time. See Advantage Plus Rewards page for qualifications.
- Annual Percentage Rate – subject to market rate adjustments (see online rate sheet for details and search by zip code). Estimated monthly payment for $10,000 new vehicle loan for 66 months at 5.99% APR is $178.18. Cannot be combined with any other discounts. All rates and offers 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. The Advantage Plus Personal Loan rate reduction will not apply beyond floor rate. All loans subject to approval.
- Interest begins to accrue at the time of disbursement.
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. Equal Opportunity Lender. Federally Insured by NCUA.
