Savings Certificates
The returns you need with the security you deserve.
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.
Can be used as collateral to secure a loan
Fixed, steady growth
Highest dividend rates
Terms available from three months to five years
Low minimum deposit of $1,000
Higher rates with junior jumbo and jumbo certificates
Milestone Certificate
Get rewarded with a higher rate as your savings grow! Our Milestone Certificate is a great way to reach your savings goals in steps. As your savings increases and reaches new “milestones,” your rate will automatically increase. It’s perfect for those who don’t have a large sum of money initially but want to commit to a savings goal with great rates.
Low Minimum Opening Deposit of $100
Make Additional Deposits Whenever You Want
Dividend Rate Increases When You Hit Milestones
As you grow your savings, you're rewarded with higher dividend rates. The milestones for rate increases are $250, $500, $750, and $1,000
Featured Rates
Savings Calculators
Saving for the future can feel daunting if you don't have a plan. Use our calculators to set targets so that you can achieve your financial goals.
- Becoming a millionaire
- Compare two certificates
- How long will it take to reach my savings goal?
- The impact of saving more
- What will my savings be worth?
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.
Frequently Asked Questions about Savings Certificates
Once you have opened a savings account, you will have access to cuAnywhere® Online Banking. Here, you can open or apply for other accounts and products.
Visit joinadvancial.org to get started. Applying for membership online is fast, easy and secure. The process only takes about 10 minutes.
You’ll need a state issued ID and a credit or debit card to fund the membership savings account. We only require a $5 initial deposit.
Please note: You must be a U.S. citizen or permanent resident alien and at least 18 years of age to apply online.
You’ll need a state issued ID and a credit or debit card to fund the membership savings account. We only require a $5 initial deposit.
Please note: You must be a U.S. citizen or permanent resident alien and at least 18 years of age to apply online.
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.
Regular membership is for anyone over the age of 18. Money Musketeers membership is for children 12 and under. Dinero Teens membership is for anyone between the ages of 13 and 18.
All employees of Advancial's select employer groups and their subsidiaries are eligible to join Advancial. This benefit is also open to their immediate family members. Additionally, you are eligible to join if you live, work, worship or attend school in one of these eight Louisiana parishes: Acadia, Avoyelles, Evangeline, Iberia, Lafayette, St. Landry, St. Martin or Vermillion. More information on how to apply for membership can be found here.
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
Credit Scores 101
Three simple digits. That’s all it takes to capture the quality of your credit history. It seems simple, but credit scores are an important tool that lenders use for virtually all loan and credit applications. Those three digits help lenders determine if they can trust you to repay a loan fully and on time.
January 18, 2023
Dinero Teens: A Guide to Tipping
Knowing how and when to tip is a key part of growing up. Tipping is a way to show appreciation for good service and support people in jobs that often rely on tips to make a decent living. Here's a guide to help you navigate the sometimes-confusing world of tipping etiquette.
August 09, 2024
Dos and Don'ts of Credit Repair
If you've recently been rejected from a credit or loan application, it may be because of your credit score being too low. If that’s the case, there are a number of reasons why that may be.
February 28, 2023
