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    As your local credit union, you’ll have access to the great rates, fewer fees and exceptional service that make Advancial a smarter and better way to bank.

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    Like to Save? We'll Save You the Time.

    If you're constantly searching for the best value for the products or services you purchase, make sure you're also taking a look at the best banking options available to you! You'd be surprised how much money you'd be able to save by just switching to a more well-rounded banking experience.

    Ultimate Checking

    Advancial
    Tinker FCU
    TTCU
    First Fidelity
    MidFirst Bank
    Features & Benefits 
    Ultimate Checking
    Classic Checking
    Free Checking
    Freestyle Checking
    LiveFree Checking
    No monthly service fee1
    ✔
    		✔✔✔✖
    No minimum balance requirement
    ✔
    		✔✔✔✖
    No minimum opening deposit
    ✔
    		✖✖✖✖
    Unlimited free ATMs worldwide
    ✔
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    Unlimited debit card rewards
    ✔
    		✖✖✔✖
    No foreign transaction fees
    ✔
    		✖✖✖✖
    Free instant-issue debit card
    ✔
    		✔✖✔✖
    Receive direct deposit up to 2 days early2
    ✔
    		✖✔✔✔

    All data based on Advancial, Tinker Federal Credit Union, TTCU Federal Credit Union, First Fidelity Bank and MidFirst Bank websites as of 4.23.2025.
    1 Monthly service fees can be waived if certain conditions are met. For MidFirst Bank's LiveFree Checking, the monthly service fee can be waived if you enroll in eStatements.
    2 Early access to direct deposit funds is a free feature that you must opt-in to in cuAnywhere, and depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Standard fraud prevention restrictions apply. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday. Not all direct deposits qualify.

    2 At TTCU Federal Credit Union, receive Early Pay with approved credit. Some restrictions apply. Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to two days earlier than the payer’s scheduled payment date. Exceptions may apply.

    2 At First Fidelity Bank, the timing is dependent upon when your payroll provider submits their payroll file. As soon as we receive the file, we will post the funds within two business days of scheduled payday, but we do not have control over when the file is sent. For many companies, the date the file is sent may vary by a day or two from pay period to pay period based on holiday or weekend schedules. For some pay periods, your direct deposit may show up earlier than others, but it will never be later than your regular payday.

    2 At MidFirst Bank, Early Pay requires eligible direct deposit to your MidFirst account. Direct deposits eligible for Early Pay include transactions that MidFirst can reasonably determine as employment compensation or government benefit payments. When a payer, such as an employer, submits payment files to MidFirst before the scheduled payment date, MidFirst may generally make funds available up to two days earlier than the scheduled payment date. Timing of access to these funds is dependent on the payer’s payment instructions, how the transaction is coded, and the timing of submission of payment files to MidFirst from the payer. Timing of available funds may vary between payment periods. MidFirst does not guarantee that you will receive early access to eligible direct deposits. You should confirm your Available Balance before attempting to make a withdrawal or purchase. Nonpayroll and tax payments may not be available for Early Pay. We may cancel Early Pay at any time and without notice. You may cancel Early Pay at any time by contacting your MidFirst personal banker or by calling us at 888.MIDFIRST (888.643.3477). Early Pay is not available for MidFirst payroll direct deposits to MidFirst Bank accounts. New accounts must be opened for 30 days to be eligible for Early Pay.

    Visa® Rewards Plus

    Advancial
    Tinker FCU
    TTCU
    First Fidelity
    MidFirst Bank
    Features & Benefits 
    Visa Rewards Plus
    Visa® Classic
    Visa® Platinum
    Signature Credit Card
    Rewards Credit Card
    No annual fee
    ✔
    		✔✔✔✔
    Lowest available APR1
    9.90% Fixed
    		13.00% Variable11.15% Variable13.90% Variable18.24% Variable
    0% introductory APR period1
    12 months
    		✖✖✔✔
    No balance transfer fee2
    ✔
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    0% balance transfer introductory APR2
    ✔
    		✖✖✔✔
    Unlimited reward points
    ✔
    		✔✔✔✔
    No foreign transaction fee
    ✔
    		✖✖✖✖
    No penalty rate3
    ✔
    		✔✖✔✖

    All data based on Advancial, Tinker Federal Credit Union, TTCU Federal Credit Union, First Fidelity Bank and MidFirst Bank websites as of 4.23.2025.
    1 Rates displayed only show the lowest possible APR for promoted credit cards. Actual rates may vary depending on creditworthiness. For Advancial’s Visa Rewards Plus credit card, the fixed APR range is between 9.90%-16.90%. For Tinker Federal Credit Union’s Visa® Classic credit card, the variable APR range is between 13.00%-18.00%. For TTCU Federal Credit Union’s Visa® Platinum credit card, the variable APR range is between 11.15%-18.00%. For First Fidelity Bank’s Signature credit card, the variable APR range is between 13.90%-22.90%. For MidFirst Bank’s Rewards credit card, the variable APR range is between 18.24%-24.24%. Rates for Tinker Federal Credit Union, TTCU Federal Credit Union, First Fidelity Bank and MidFirst Bank may vary with the market based on the Prime Rate.
    2 For Advancial, the 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.

    2 With Tinker Federal Credit Union's Visa Classic credit card, a 2.5% balance transfer fee will be assessed on balances transfers done outside of promotional or introductory periods.
    3 For TTCU Federal Credit Union, if your account is subject to a Penalty APR, that rate and conditions for imposing the Penalty APR will be disclosed to you in the account opening statement, or in a change of account terms notice.

    3 For MidFirst Bank, your penalty rate will be up to 24.99% APR based on your creditworthiness.

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    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!

    Better Banking.
    All accounts subject to approval. Restrictions and limitations apply.
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