Rates
Whether you're looking to earn great dividends on your deposits or get a low rate on your loan, Advancial has some of the most competitive rates in the industry.
| Certificate Type | Term | Minimum Balance to Open and Earn | Dividend Rate | APY |
|---|---|---|---|---|
| Regular, IRA & Business Certificates | 3 months | $1,000.00 | 2.71% | 2.74% |
| Regular, IRA & Business Certificates | 6 months | $1,000.00 | 2.75% | 2.78% |
| Regular, IRA & Business Certificates | 1 year | $1,000.00 | 2.83% | 2.87% |
| Regular, IRA & Business Certificates | 18 months | $1,000.00 | 2.91% | 2.95% |
| Regular, IRA & Business Certificates | 2 years | $1,000.00 | 3.01% | 3.05% |
| Regular, IRA & Business Certificates | 3 years | $1,000.00 | 3.17% | 3.22% |
| Regular, IRA & Business Certificates | 4 years | $1,000.00 | 3.47% | 3.53% |
| Regular, IRA & Business Certificates | 5 years | $1,000.00 | 3.82% | 3.89% |
| Regular, IRA & Business Junior Jumbo Certificates | 3 months | $25,000.00 | 2.81% | 2.85% |
| Regular, IRA & Business Junior Jumbo Certificates | 6 months | $25,000.00 | 2.85% | 2.89% |
| Regular, IRA & Business Junior Jumbo Certificates | 1 year | $25,000.00 | 2.93% | 2.97% |
| Regular, IRA & Business Junior Jumbo Certificates | 18 months | $25,000.00 | 3.01% | 3.05% |
| Regular, IRA & Business Junior Jumbo Certificates | 2 years | $25,000.00 | 3.11% | 3.15% |
| Regular, IRA & Business Junior Jumbo Certificates | 3 years | $25,000.00 | 3.27% | 3.32% |
| Regular, IRA & Business Junior Jumbo Certificates | 4 years | $25,000.00 | 3.57% | 3.63% |
| Regular, IRA & Business Junior Jumbo Certificates | 5 years | $25,000.00 | 3.92% | 3.99% |
| Regular, IRA & Business Jumbo Certificates | 3 months | $50,000.00 | 2.91% | 2.95% |
| Regular, IRA & Business Jumbo Certificates | 6 months | $50,000.00 | 2.95% | 2.99% |
| Regular, IRA & Business Jumbo Certificates | 1 year | $50,000.00 | 3.03% | 3.07% |
| Regular, IRA & Business Jumbo Certificates | 18 months | $50,000.00 | 3.11% | 3.15% |
| Regular, IRA & Business Jumbo Certificates | 2 years | $50,000.00 | 3.21% | 3.26% |
| Regular, IRA & Business Jumbo Certificates | 3 years | $50,000.00 | 3.37% | 3.42% |
| Regular, IRA & Business Jumbo Certificates | 4 years | $50,000.00 | 3.67% | 3.73% |
| Regular, IRA & Business Jumbo Certificates | 5 years | $50,000.00 | 4.02% | 4.09% |
| Money Musketeers® Starter Certificate¹ | 1 year | $100.00 | 2.83% | 2.87% |
| Dinero Teens® Starter Certificate¹ | 1 year | $250.00 | 2.83% | 2.87% |
All Certificate dividend rates and corresponding Annual Percentage Yields (APYs) effective as of 11/30/2024 CST, and may change without notice. APY = Annual Percentage Yield. Fees may reduce earnings. There is a penalty for early withdrawal. All IRA account types include Traditional and Roth IRAs. Advancial membership required to receive any advertised product. Advancial membership subject to qualifications and requires a minimum $5 membership share deposit.
1
Must meet age requirements to participate.
The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category.
| Money Market Type | Minimum Balance to Open and Earn | Dividend Rate | APY |
|---|---|---|---|
| Money Market | $2,500.00 | 0.46% | 0.46% |
| Money Market | $25,000.00 | 0.51% | 0.51% |
| Money Market | $50,000.00 | 0.56% | 0.56% |
| Premium Money Market | $100,000.00 | 1.21% | 1.22% |
| Business Money Market | $2,500.00 | 0.46% | 0.46% |
| Business Money Market | $25,000.00 | 0.51% | 0.51% |
| Business Money Market | $50,000.00 | 0.56% | 0.56% |
Money Market dividend rates and corresponding Annual Percentage Yields (APYs) are current prospective rates and yields as of 11/30/2024 CST, and may change without notice. APY = Annual Percentage Yield. Fees may reduce earnings. Advancial membership required to receive any advertised product. Advancial membership subject to qualifications and requires a minimum $5 membership share deposit.
The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category.
| Savings Type | Minimum Balance to Open and Earn | Dividend Rate | APY |
|---|---|---|---|
| Savings | $100.00 | 0.10% | 0.10% |
| Money Musketeers® Savings¹ | $5.00 | 0.10% | 0.10% |
| Dinero® Savings¹ | $100.00 | 0.10% | 0.10% |
| IRA Savings | $25.00 | 0.30% | 0.30% |
| Business Savings | $100.00 | 0.10% | 0.10% |
All Savings dividend rates and corresponding Annual Percentage Yields (APYs) are current prospective rates and yields as of 11/30/2024 CST, and may change without notice. APY = Annual Percentage Yield. Fees may reduce earnings. Advancial membership required to receive any advertised product. Advancial membership subject to qualifications and requires a minimum $5 membership share deposit.
1
Must meet age requirements to participate.
| Checking Type | Minimum Balance to Earn | Dividend Rate | APY |
|---|---|---|---|
| Ultimate Checking | $0.01 | 0.03% | 0.03% |
| Ultimate Checking | $10,000.00 | 0.10% | 0.10% |
| Dinero® Checking¹ | $0.01 | 0.03% | 0.03% |
| Dinero® Checking¹ | $10,000.00 | 0.10% | 0.10% |
| Business Rewards Checking | $0.01 | 0.03% | 0.03% |
All Checking dividend rates and corresponding Annual Percentage Yields (APYs) are current prospective rates and yields as of 11/30/2024 CST, and may change without notice. APY = Annual Percentage Yield. Fees may reduce earnings. Advancial membership required to receive any advertised product. Advancial membership subject to qualifications and requires a minimum $5 membership share deposit.
1
Must meet age requirements to participate.
All APRs reflect the lowest available rates |
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|---|---|---|---|---|---|---|---|---|
| Loan Type | 3 year | 4 year | 5 year | 6 year | 7 year | 10 year | 12 year | 15 year |
| Auto¹ | 5.63% | 5.69% | 5.86% | 6.59% | 7.21% | - | - | - |
| Auto Lease | Contact your branch or call us at 1.800.322.2709 for more information and help finding your next vehicle. | |||||||
| Boat² | - | 6.56% | 6.73% | 6.84% | 7.06% | 7.36% | 7.54% | 7.95% |
| Motor Home & Travel Trailer² | - | 6.94% | 7.11% | 7.23% | 7.44% | 7.65% | 7.84% | 7.88% |
| Motorcycle, Jet Ski, ATV & Pop-up Camper² | 7.46% | 7.52% | 7.71% | 7.84% | - | - | - | - |
| Home Equity | 6.67% | 6.94% | 7.36% | 7.54% | 7.58% | 7.82% | - | 7.98% |
| Home Equity Line of Credit | Rate as low as 7.50% until 12/31/24. After 12/31/24, the rate will be based on WSJ Prime + 2.5% or + 3.5%. Your rate will depend on your credit history. No application fee. Interest only during the draw period. Maximum APR 18%. Minimum loan advance $4,000. | |||||||
| Advancial Assistance³ | 6.67% | 6.94% | 7.36% | 7.54% | 7.58% | - | - | - |
| Stock-Secured | 5.97% | 6.46% | 6.69% | - | - | - | - | - |
| Signature⁴ | Rates as low as 9.90% | |||||||
| True Line of Credit | Rates as low as 9.90%. The term of these loan types is open-ended. | |||||||
| Savings-Secured⁴ | Savings-Secured Loans are quoted at 2% above the deposit account pledged as collateral | |||||||
| Student | Student loan rate is prime + 1% which changes July 1 of every year | |||||||
All loan rates current as of 11/30/2024 CST. All loans subject to approval. Rates, terms and conditions are subject to change without notice. APR = Annual Percentage Rate. All advertised as low as APR (Annual Percentage Rate) assume excellent borrower credit history. Your actual APR may be higher than the rate shown and will depend on your credit history and credit transaction. Advancial membership required to receive any advertised product. Advancial membership subject to qualifications and requires a minimum $5 membership share deposit.
PAYMENT EXAMPLES
Monthly payment amounts vary by loan term and rate. Contact us or apply online to have us calculate your rate. Payment example is for educational purposes only and may not reflect our current or actual loan rate offers or available percentage rates.
Auto: For example, a loan amount of $40,000 over 60 months at an APR of 5.86% would yield a payment of $770.71.
Motor Home & Travel Trailer: For example, a loan amount of $50,000 over 84 months at an APR of 7.44% would yield a payment of $765.43.
Motorcycle, Jet Ski, ATV & Pop-up Camper: For example, a loan amount of $20,000 over 60 months at an APR of 7.71% would yield a payment of $402.76.
Home Equity: For example, a loan amount of $50,000 over 120 months at an APR of 7.82% would yield a payment of $601.89.
Advancial Assistance: For example, a loan amount of $10,000 over 60 months at an APR of 7.36% would yield a payment of $199.71.
Stock-Secured: For example, a loan amount of $10,000 over 60 months at an APR of 6.69% would yield a payment of $196.55.
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Advertised as low as APR includes a discount of 0.25% APR for enrollment in automatic loan payments. For classic cars (25+ years) add 1.00% to the advertised rate. Loans subject to the collateral’s MSRP or NADA Retail value at the time of the loan and loan rate may be adjusted up to 0.50% lower or higher based on the final loan-to-value amount. MSRP or NADA Retail value greater than $20,000 required for 6-year automobile terms and greater than $35,000 for 7-year automobile terms.
2
Advertised as low as APR includes a discount of 0.25% APR for enrollment in automatic loan payments. Loans subject to the collateral’s MSRP or NADA Retail value at the time of the loan and loan rate may be adjusted up to 0.50% lower or higher based on the final loan-to-value amount.
3
Maximum loan amount of $20,000. Documented proof of loss or purchase of preventative measures may be required. Loan funding is dependent upon loan approval of and review of submitted documents such as (1) copy of a submitted FEMA application, (2) copy of a submitted insurance claim, (3) photos of property damage, (4) copy of contractor’s bid to repair damages or (5) purchase order or invoice for a preventative improvement, including but not limited to a storm cellar, a hardwired generator or storm windows.
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Repayment terms vary. Contact us for more information on available repayment terms.
| Mortgage Type | Rate | APR | Discount Point | Origination Point |
|---|---|---|---|---|
| 30 Yr Fixed | 6.375% | 6.45% | 0.80% | 0.00% |
| 20 Yr Fixed | 8.750% | 8.40% | -2.59% | 0.00% |
| 15 Yr Fixed | 5.750% | 5.84% | 0.56% | 0.00% |
| 30 Yr Fixed Jumbo | 6.500% | 6.60% | 1.06% | 0.00% |
| 15 Yr Fixed Jumbo | 6.875% | 7.02% | 0.87% | 0.00% |
All mortgage rates current as of 11/30/2024 CST. Advertised rates and/or points may change without notice. All loans are subject to approval. Advancial membership required to receive any advertised product. Advancial membership subject to qualifications and requires a minimum $5 membership share deposit. For current rates, fees and other terms that may apply, or for information on other mortgage loans not advertised, contact us at 1.888.876.2328.
Rates and/or points are subject to change at any time until you submit a loan application and opt to “lock-in” a rate. Each quote above represents a “lock-in” period of 30 days; meaning that if you applied for a loan today and choose to “lock-in”, we will guarantee the rate and points for 30 days. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. Rates and points vary widely for jumbo loans (see below) and/or for investment property loans.
Each quote above is based on a purchase money mortgage with a minimum loan amount of $250,000 (except jumbo loans). Mortgage rates assume the property is an owner-occupied, single-family home with a Loan-To-Value (LTV) ratio of 75%, and a minimum credit score of 760.
JUMBO LOANS
Loans over a certain amount are called jumbo loans. In most states, mortgage loans on a single-family residence greater than $766,550 are jumbo loans. In certain high cost areas, including Alaska and Hawaii, a single-family mortgage loan over $1,149,825 is considered a jumbo loan.
PAYMENT EXAMPLES
The examples provided below assume the purpose of the loan is to purchase an existing single family home to be used as a primary residence. Taxes and insurance not included, therefore the actual payment obligation will be greater. Your actual rate may be higher depending on your specific credit history, loan purpose, loan amount, down payment, and collateral type. Payment example is for educational purposes only and may not reflect our current or actual loan rate offers or available percentage rates.
Fixed Rate Mortgage: As an example, for a 30 year mortgage in the amount of $250,000 at a APR of 6.45%, the monthly principal and interest payment, exclusive of any escrow for taxes or insurance, would be $1,559.67.
Adjustable Rate Mortgage (ARM): As an example, for a 5/6 ARM with a 30 year term in the amount of $250,000 at an APR of 7.515%, the monthly principal and interest payment, exclusive of any escrow for taxes or insurance, would be $1,642.32 for the first 5 years and would be adjusted every 6 months thereafter, according to the market index.
IMPORTANT INFORMATION FOR ADJUSTABLE RATE MORTGAGES (ARMs)
Adjustable-rate mortgages are variable, and your annual percentage rate may increase or decrease after the original fixed rate period.
Interest Rate Adjustments. Your interest rate under an ARM is fixed for the initial 5, 7, or 10 years, then adjusts every 6 months thereafter based upon an index, plus a margin. Your interest rate cannot increase or decrease more than 2.00 percentage points at first adjustment for 5/6 ARMs or 5.00 percentage points for 7/6 and 10/6 ARMs and will not increase more than 1.00 percentage points per subsequent adjustment from the initial interest rate, excluding any buydown. Your interest rate will never be greater than 5.00 percentage points above the initial interest rate.
How Your Payments Are Determined. Your initial monthly payment of principal and interest will be determined based on the interest rate, loan term, and balance when your loan is closed. If your interest rate changes, your payment will be adjusted to fully amortize the loan by the end of the loan term.
Frequency of Payment Changes. Based on increases or decreases in the index, payment amounts under an ARM loan can increase or decrease substantially after the initial fixed period and every 6 months thereafter. However, your monthly payment amount could change more frequently if there is a change in the taxes, assessments, insurance premiums, or other charges required to be made into an escrow or impound account.
Adjustment Notices. You will be notified at least annually if interest rate changes occur. When an interest rate change will also involve a change in your monthly payment, you will be notified in writing (at least 60 calendar days, but not more than 120 calendar days) before the first payment at the adjusted level is due. The notice will indicate the adjusted payment amount, interest rate, Index value, and the outstanding loan balance at the time.
Rates and/or points are subject to change at any time until you submit a loan application and opt to “lock-in” a rate. Each quote above represents a “lock-in” period of 30 days; meaning that if you applied for a loan today and choose to “lock-in”, we will guarantee the rate and points for 30 days. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. Rates and points vary widely for jumbo loans (see below) and/or for investment property loans.
Each quote above is based on a purchase money mortgage with a minimum loan amount of $250,000 (except jumbo loans). Mortgage rates assume the property is an owner-occupied, single-family home with a Loan-To-Value (LTV) ratio of 75%, and a minimum credit score of 760.
JUMBO LOANS
Loans over a certain amount are called jumbo loans. In most states, mortgage loans on a single-family residence greater than $766,550 are jumbo loans. In certain high cost areas, including Alaska and Hawaii, a single-family mortgage loan over $1,149,825 is considered a jumbo loan.
PAYMENT EXAMPLES
The examples provided below assume the purpose of the loan is to purchase an existing single family home to be used as a primary residence. Taxes and insurance not included, therefore the actual payment obligation will be greater. Your actual rate may be higher depending on your specific credit history, loan purpose, loan amount, down payment, and collateral type. Payment example is for educational purposes only and may not reflect our current or actual loan rate offers or available percentage rates.
Fixed Rate Mortgage: As an example, for a 30 year mortgage in the amount of $250,000 at a APR of 6.45%, the monthly principal and interest payment, exclusive of any escrow for taxes or insurance, would be $1,559.67.
Adjustable Rate Mortgage (ARM): As an example, for a 5/6 ARM with a 30 year term in the amount of $250,000 at an APR of 7.515%, the monthly principal and interest payment, exclusive of any escrow for taxes or insurance, would be $1,642.32 for the first 5 years and would be adjusted every 6 months thereafter, according to the market index.
IMPORTANT INFORMATION FOR ADJUSTABLE RATE MORTGAGES (ARMs)
Adjustable-rate mortgages are variable, and your annual percentage rate may increase or decrease after the original fixed rate period.
Interest Rate Adjustments. Your interest rate under an ARM is fixed for the initial 5, 7, or 10 years, then adjusts every 6 months thereafter based upon an index, plus a margin. Your interest rate cannot increase or decrease more than 2.00 percentage points at first adjustment for 5/6 ARMs or 5.00 percentage points for 7/6 and 10/6 ARMs and will not increase more than 1.00 percentage points per subsequent adjustment from the initial interest rate, excluding any buydown. Your interest rate will never be greater than 5.00 percentage points above the initial interest rate.
How Your Payments Are Determined. Your initial monthly payment of principal and interest will be determined based on the interest rate, loan term, and balance when your loan is closed. If your interest rate changes, your payment will be adjusted to fully amortize the loan by the end of the loan term.
Frequency of Payment Changes. Based on increases or decreases in the index, payment amounts under an ARM loan can increase or decrease substantially after the initial fixed period and every 6 months thereafter. However, your monthly payment amount could change more frequently if there is a change in the taxes, assessments, insurance premiums, or other charges required to be made into an escrow or impound account.
Adjustment Notices. You will be notified at least annually if interest rate changes occur. When an interest rate change will also involve a change in your monthly payment, you will be notified in writing (at least 60 calendar days, but not more than 120 calendar days) before the first payment at the adjusted level is due. The notice will indicate the adjusted payment amount, interest rate, Index value, and the outstanding loan balance at the time.
All APRs reflect the lowest available rates |
|
|---|---|
| Credit Card Type | APR |
| Visa® Rewards Plus | 9.90% |
| Dinero Visa | 9.90% |
| Secured Visa | 17.90% |
| Visa Business | 11.90% |
All credit card rates current as of 11/30/2024 CST. Credit cards subject to approval. Rates, terms and conditions are subject to change. Advertised as low as APR (Annual Percentage Rate) assumes excellent borrower credit history. Your actual APR may be higher than the rate shown and will depend on your credit history.
1
When you apply for a Visa Rewards Plus credit card, approved applicants with a credit limit of $5,000+ will receive Visa Signature card. Approved applicants with a credit limit less than $5,000 will receive a standard Visa card.
2
Available to Dinero members ages 16 and older with a qualified co-borrower.
