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    From classrooms to carpools, refinancing your auto loan helps you save money.

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    Jumbo, 5 Year Term

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    5.59%

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    Rates as low as

    9.90%

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    Banking Designed for You

    Ultimate Checking

    All the essentials, without the fees. Ultimate Checking is crafted to help you save more, spend smarter and stress less.

    • No monthly maintenance fees
    • No minimum balance 
    • Unlimited free ATMs worldwide
    • Unlimited Debit card rewards
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    Low-Rate Auto Loans

    From test drive to tail wags, we make it easy to roll down the windows and ride into savings.
     
    • Same rates for new, used, or refinance
    • Finance up to 110% of vehicle's MSRP
    • Automatic payments mean discounted rates
    • Fixed rates & payments
    • Flexible terms
    Learn More
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    Youth & Teen Banking

    Reward your kids for saving with our Youth & Teen banking options tailored to teach financial responsibility with tools and perks that make banking easy and fun.
     
    • Designed to reward your kids and teens for saving
    • Competitive interest rates help young savers grow their money
    • Keep an eye on spending and transfers while teaching financial independence
    Learn More

    What Our Members Say About Advancial
    James A.

    "Great service and family culture. Easy to work with and they make me feel valued."
    Tenesia S.

    "I love banking here. It doesn't matter which location. The staff is always courteous, helpful and professional. I am a 15 year customer!"
    Ginger C.

    "All of your Branches I have visited so far have been so nice, friendly, thorough, helpful. I have two banks, Advancial is my favorite by far. I always walk out feeling good about people and the Banking Industry."
    Everetta C.

    "I’ve been with Advancial since I was a teenager. It’s a sense of family."
    Leda R.
    "Been with this bank for years. They have always helped me out and are very kind. Customer service is and has always been super!!!!!!!!!!!!!!!!!!!!"

    (Yes— This member used that many exclamation points.)

    News & Knowledge Center
    graphic of teens heping eachother with finances and understanding interest

    Dinero Teens: Understanding Principal vs. Interest: What You Need to Know
    When you borrow money—whether for a car, a house, or even a student loan—you don’t just pay back what you borrowed. Lenders charge you extra money for lending it to you. This is where principal and interest come in. But what do these terms mean, and why do they matter?
    June 11, 2025
    animation of password security icons with an alert saying "beware - don't share!"

    Strengthen Your Password, Strengthen Your Security
    At Advancial, we’re committed to helping you protect your accounts. Here's how to build better passwords and reduce the risk of compromise.
    June 25, 2025

    Dinero Teens: Your College Prep Checklist
    You’ve decided on a college and sent in your enrollment deposit — now it’s time to organize your finances and prepare for your move. Moving away to college may be the first time you’re living independently and making your own financial decisions.
    May 03, 2023

    Better Banking.
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