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    Spring Forward with Better Banking.

    Save more with free checking from Ultimate Checking, unlimited rewards and our Save UpSM program that turns every purchase into automatic savings— it's like saving in your sleep!

    LEARN MORE Open an Account
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    Featured Rates

    Jumbo, 5 Year Term

    4.09%

    APY
    Certificates
    Certificates

    Rates as low as

    5.86%

    APR
    Auto Loans
    Auto Loans

    Rates as low as

    9.90%

    APR
    Credit Cards
    Credit Cards

    Rates as low as

    6.44%

    APR
    Mortgages
    Mortgages

    Quick Online Access
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    One-Time Loan Payment One-Time Loan Payment

    Banking Designed for You
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    Visa® Rewards Plus

    Apply now for our uncompromising credit card packed with the premium benefits you want, coupled with the competitive, low rates you need.
     
    • Unlimited rewards
    • No annual fee
    • No foreign transaction fee
    • 0% Intro APR for 12 months. After intro period, 9.90%-16.90% based on creditworthiness
    Learn More
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    Low-Rate Boat Loans

    Whether you’re cruising on a boat, zipping on a jet ski, or exploring new waters, we’ve got your financing covered. Enjoy the waves while we keep your budget afloat.
     
    • Same rates for new, used, or refinance
    • Low, fixed rates and monthly payments
    • Discounted rates when you sign up for automatic payments
    • Terms available up to 15 years
    Learn More
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    Youth & Teen Banking

    Rewards you 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

    Best Credit Union in DFW



    Thanks to our incredible members, Advancial has officially been voted as the Best Credit Union in DFW!

    Discover the Advancial difference and the many advantages of banking with the best!

    Best of Acadiana

    We're extremely proud of our deep roots in Lafayette and the surrounding communities. We've been honored to be named Best Bank in Acadiana seven years in a row, 2018 - 2024, Best Financial Planning Services for two years in a row, 2022-2023, and Best Mortgage Lending Company in 2023. The Times of Acadiana Best Of contest honors the top people, places, and businesses in Acadiana - all chosen by members of the local community!

    Best of Allen

    Advancial has been named the Best Credit Union in Allen in the Star Local Media Reader's Choice Awards for four years in a row, 2021 - 2024. Readers choose the best businesses in their community and we are proud to have been chosen in Allen!

    Best of Katy

    Advancial is honored to have been named the Best Credit Union in Katy for four years in a row, 2019 - 2022. The contest was not held in 2023. Nominations and votes were provided by the local Katy community and we are truly proud to have earned this recognition!

    Best of Frisco

    Advancial has been named the Best Credit Union in Frisco in the Star Local Media Reader's Choice Awards for three years in a row, 2022 - 2024. Readers choose the best businesses in their community and we are proud to have been chosen in Frisco!

    Best of Mesquite

    Advancial has been named the Best Credit Union in Mesquite in the Star Local Media Reader's Choice Awards for four years in a row, 2021 - 2024. Readers choose the best businesses in their community and we are proud to have been chosen in Mesquite!

    More Options for Better Banking

    Low-Rate Home Equity Loans

    Our home equity loans help turn your vision into reality by using the equity you've already built in your house— perfect for upgrades like a new kitchen, pool or patio. You can also use the loan to refinance high-interest debt, fund college or even plan a dream vacation!
     
    • Flexible terms (3-15 years) for manageable monthly payments
    • Fixed rates for predictable budgeting
    • Lower interest rates than most consumer loans
    Learn More

    Money Market

    Money market accounts offer the perfect balance of higher earnings and easy access to your funds. Ideal for members who want to keep a sizable savings balance liquid and readily available, with no minimum withdrawal amount required!

    • No monthly service fee
    • Higher dividend rates for higher balances
    • Easily access your money
    Learn More

    Savings Certificates

    Our Savings Certificates provide you with the higher returns you need with multiple term options to fit your specific situation, from three months to five years.
     
    • As low as $1,000 minimum balance
    • No maximum deposit
    • Multiple term options to fit your needs
    • Guaranteed rate that's safe from market downturns
    Open Now

    Featured Resources
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    Fraud & Security

    Protecting your privacy and keeping your data secure is a top priority. If you think you have been a victim of identity theft or you have had your card stolen or lost, contact Advancial immediately.
    Help Prevent Fraud

    How-To Hub

    Our How-To Hub delivers straightforward, practical guides that empower you to fully control your digital banking experience. Explore step-by-step guides that simplify everything from mobile app features to online account management.
    Explore the Hub

    News & Knowledge Center

    Savings Tips for Every Life Stage
    Whether you’re just starting out in your career or nearing retirement, maximizing your savings may help you reach your goals and overcome any financial bumps in the road.
    April 14, 2023

    A Guide to Avoiding Financial Fraud
    Every day, fraudsters are hard at work trying to steal personal financial information from hardworking, honest people like you. They are more clever than ever, so you need to stay informed about how to avoid falling victim to their schemes.
    March 13, 2023

    A Checklist for an Organized Estate
    Estate planning is a smart thing to do to protect your assets and ease an already difficult time for your loved ones. However, starting the process and executing it effectively can be challenging. Making plans for distributing your money, home and other assets after you’re gone may be uncomfortable, but it’s important to address the topic so you and your loved ones are prepared.
    July 19, 2022

    Incorporating Financial Education into Your Wellness Program
    When it comes to Workplace Financial Wellness, one of the first questions asked by Benefits Administrators is, “How do I incorporate this type of benefit into my overall wellness plan?”
    November 30, 2022

    Better Banking.
    After the 12-month intro period, your APR will be 9.90%-16.90% based on creditworthiness. APR=Annual Percentage Rate.
    0% Credit Card Balance Transfer Terms and Conditions: Introductory balance transfer offer must be used within the first 12 months after account opening and is available for a single balance transfer request. Multiple balances from other non-Advancial Federal Credit Union accounts may be combined into a single 0% balance transfer request, but the balance transfers must be requested at the same time. If you do not pay off a 0% balance transfer balance within twelve months of the transfer, the remaining balance will then be subject to the Standard Rate. Balance transfers performed after the initial introductory offer will incur the same APR as the account and will incur a 3% balance transfer fee, unless otherwise stated in a separate promotional offer.
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