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Certificates & Investments

Higher returns for members who are interested in more options for their savings.

Savings Certificates

If you’re trying to reach a specific savings goal and have money available for long-term investments, our high-rate savings certificates will help you get the most out of your deposits. Our flexible saving certificate terms are flexible enough to fit within any investment strategy.

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IRAs

It's never too early to start building your retirement funds. In fact – the sooner, the better. We offer a variety of IRA investment options to suit your needs. We can help with tax-free or tax-deferred retirement accounts, or help you save for your child's college education. Put your money to work for you today so that you can be prepared for tomorrow.

Prepare for Your Future

Money Market

Looking for a higher rate that still lets you use your money when you need it? Our money market account has a higher dividend rate than a savings account with the same ease of access.

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Investment Services

Some investment services companies put their profits above yours. At Advancial, our investment services team is dedicated to investing in you and your future by helping you identify your financial goals and building a sound plan to pursue them. Our qualified advisors offer a full suite of financial investment services, including estimating your financial needs, minimizing the impact of taxes and portfolio diversification.

We'll provide you with personalized, professional guidance and direction.

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Trust Services

Preserve your wealth for your family's financial future.

Members who want to transition and distribute their wealth after they’ve passed away should consider a revocable family or living trust account with Advancial. To find out if our specialized custodial trust offerings are a good fit for your estate planning needs, visit a local branch or call us today. Our trust accounts include:

Revocable Family Trusts
Living Trusts
Individual, non-entity grantors or trustees
Available loans to trusts with a qualified personal guarantor
Deposit is insured up to $250,000 by NCUA

Frequently Asked Questions about Certificates & Investments

What is Share Insurance coverage?

Advancial is federally insured by The National Credit Union Administration (NCUA), which administers The National Credit Union Share Insurance Fund (NCUSIF). The NCUA, like its banking counterpart, the FDIC, assures Advancial members that their money is safe. Learn more about Share Insurance Coverage.

What types of trusts does Advancial offer?

Advancial offers only revocable family or living trusts. We do not offer complex trusts, entity-owned trusts, business trusts, or irrevocable trusts. Sub-trusts are offered as long as they meet qualifications.

Are there any circumstances where Advancial would require a trust to be closed?

Yes, if the primary member grantor is deceased, the trust must be closed within 12 months of discovery. If any event causes the trust to change from revocable to irrevocable, it must be closed. If a member wants to convert a trust account to a personal account, the trust account must be closed and a new account opened.

Does Advancial administer trusts?

No. Advancial only acts as a custodian, not a trustee.

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Savings Certificates

Budget Calculators

Certificates & Investments

Savings Certificates

IRAs

Money Market

Investment Services

Trust Services

Frequently Asked Questions about Certificates & Investments

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