What are the current interest rates at Advancial Federal Credit Union?

Current rates for Advancial Federal Credit Union include: 12-Month CD: 2.96%, 18-Month CD: 3.29%, 24-Month CD: 3.68%, 60-Month CD: 4.66%, Savings: 0.30%, MMA: 1.22%

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Advancial Federal Credit Union

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Advancial Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Advancial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Advancial Federal Credit Union's top rates as of October 10, 2026 are 5.00% APY on its 11 Month IRA CD, 0.30% APY on savings, 1.22% APY on money market accounts, 0.10% APY on checking, 6.49% on its Current Mortgage - 15 Yr Fixed, personal loans from 9.90% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Advancial Federal Credit Union CD rates include 11 Month CD at 5.00%, 7 Month IRA CD at 5.00%, and 7 Month CD at 5.00%. Other Advancial Federal Credit Union mortgage rates include Mortgages - 15 Yr Fixed at 6.49%, Current Mortgage - 15 Yr Fixed Jumbo at 6.75%, and Mortgages - 15 Yr Fixed Jumbo at 6.75%. MonitorBankRates evaluates the financial stability of Advancial Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.30%. Rates last updated and verified on 10/10/2026.

Advancial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Advancial Federal Credit Union? Share your experience about Advancial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Advancial Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.30%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Advancial Federal Credit Union
Advancial Federal Credit Union

10000 N Central Expy Ste 1400
Dallas, TX 75231-2319

http://www.advancial.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Advancial Federal Credit Union CD Rates

Product	Rate	APY	Term
11 Month IRA Share Certificate	-	5.00%	11 Months
Min Deposit $5 Details IRA Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
11 Month Share Certificate	-	5.00%	11 Months
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
7 Month IRA Share Certificate	-	5.00%	7 Months
Min Deposit $5 Details IRA Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
7 Month Share Certificate	-	5.00%	7 Months
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Dinero Teens Starter Certificate1 - 1 year	2.92%	2.96%	1 year
Min Balance $250 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.82% → 2.96% ▲ 0.14 pts · high 2.96% / low 2.82% Oct 6, 20262.96%▲ from 2.82% Sep 18, 20262.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Musketeers Starter Certificate1 - 1 year	2.92%	2.96%	1 year
Min Balance $100 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.82% → 2.96% ▲ 0.14 pts · high 2.96% / low 2.82% Oct 6, 20262.96%▲ from 2.82% Sep 18, 20262.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Regular, IRA & Business Jumbo Certificates - 5 years	4.76%	4.87%	5 years
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49% Oct 1, 20264.87%▲ from 4.49% Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 5 years	4.66%	4.76%	5 years
Min Balance $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39% Oct 1, 20264.76%▲ from 4.39% Sep 18, 20264.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 5 years	4.56%	4.66%	5 years
Min Balance $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28% Oct 1, 20264.66%▲ from 4.28% Sep 18, 20264.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 4 years	4.38%	4.47%	4 years
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12% Oct 1, 20264.47%▲ from 4.12% Sep 18, 20264.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 4 years	4.28%	4.36%	4 years
Min Balance $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01% Oct 1, 20264.36%▲ from 4.01% Sep 18, 20264.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 4 years	4.18%	4.26%	4 years
Min Balance $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91% Oct 1, 20264.26%▲ from 3.91% Sep 18, 20263.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 3 years	4.16%	4.24%	3 years
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91% Oct 1, 20264.24%▲ from 3.91% Sep 18, 20263.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 3 years	4.06%	4.14%	3 years
Min Balance $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80% Oct 1, 20264.14%▲ from 3.80% Sep 18, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 3 years	3.96%	4.03%	3 years
Min Balance $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.03% ▲ 0.33 pts · high 4.03% / low 3.70% Oct 1, 20264.03%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 2 years	3.82%	3.89%	2 years
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 3.89% ▲ 0.29 pts · high 3.89% / low 3.60% Oct 1, 20263.89%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 2 years	3.72%	3.78%	2 years
Min Balance $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.49% → 3.78% ▲ 0.29 pts · high 3.78% / low 3.49% Oct 1, 20263.78%▲ from 3.49% Sep 18, 20263.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 2 years	3.62%	3.68%	2 years
Min Balance $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.39% → 3.68% ▲ 0.29 pts · high 3.68% / low 3.39% Oct 1, 20263.68%▲ from 3.39% Sep 18, 20263.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 18 month	3.44%	3.49%	18 months
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.28% → 3.49% ▲ 0.21 pts · high 3.49% / low 3.28% Oct 1, 20263.49%▲ from 3.28% Sep 18, 20263.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 18 month	3.34%	3.39%	18 months
Min Balance $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.18% → 3.39% ▲ 0.21 pts · high 3.39% / low 3.18% Oct 1, 20263.39%▲ from 3.18% Sep 18, 20263.18%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 18 month	3.24%	3.29%	18 months
Min Balance $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.07% → 3.29% ▲ 0.22 pts · high 3.29% / low 3.07% Oct 1, 20263.29%▲ from 3.07% Sep 18, 20263.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 1 year	3.12%	3.17%	1 year
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.02% → 3.17% ▲ 0.15 pts · high 3.17% / low 3.02% Oct 1, 20263.17%▲ from 3.02% Sep 18, 20263.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 1 year	3.02%	3.06%	1 year
Min Balance $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.92% → 3.06% ▲ 0.14 pts · high 3.06% / low 2.92% Oct 1, 20263.06%▲ from 2.92% Sep 18, 20262.92%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 1 year	2.92%	2.96%	1 year
Min Balance $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.82% → 2.96% ▲ 0.14 pts · high 2.96% / low 2.82% Oct 1, 20262.96%▲ from 2.82% Sep 18, 20262.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 6 month	2.85%	2.89%	6 months
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 2.89% ▲ 0.04 pts · high 2.89% / low 2.85% Oct 1, 20262.89%▲ from 2.85% Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 6 month	2.75%	2.78%	6 months
Min Balance $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.74% → 2.78% ▲ 0.04 pts · high 2.78% / low 2.74% Oct 1, 20262.78%▲ from 2.74% Sep 18, 20262.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 6 month	2.65%	2.68%	6 months
Min Balance $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.64% → 2.68% ▲ 0.04 pts · high 2.68% / low 2.64% Oct 1, 20262.68%▲ from 2.64% Sep 18, 20262.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 3 month	2.62%	2.65%	3 months
Min Balance $50,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55% Oct 1, 20262.65%▲ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 3 month	2.52%	2.55%	3 months
Min Balance $25,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45% Oct 1, 20262.55%▲ from 2.45% Sep 18, 20262.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 3 month	2.42%	2.45%	3 months
Min Balance $1,000 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34% Oct 1, 20262.45%▲ from 2.34% Sep 18, 20262.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.30%	0.30%
Min Deposit $25 Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market Savings	-	0.25%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Dinero Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Musketeers Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	1.21%	1.22%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.22% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market	0.56%	0.56%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market	0.51%	0.51%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market	0.46%	0.46%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Money Market Savings	-	0.25%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.56%	0.56%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Business Money Market	0.51%	0.51%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Business Money Market	0.46%	0.46%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Checking Rates

Product	Rate	APY
Dinero Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Ultimate Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Dinero Checking	0.03%	0.03%
Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Ultimate Checking	0.03%	0.03%
Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Rewards Checking	0.03%	0.03%
Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Current Mortgage - 15 Yr Fixed	6.49%	0.95%	6.85%	15 years
Details Origination Point: 0.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Mortgages - 15 Yr Fixed	6.49%	0.95%	6.85%
Details Origination Point: 0.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Current Mortgage - 15 Yr Fixed Jumbo	6.75%	0.87%	6.99%	15 years
Details Origination Point: 0.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Mortgages - 15 Yr Fixed Jumbo	6.75%	0.87%	6.99%
Details Origination Point: 0.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Current Mortgage - 30 Yr Fixed Jumbo	7.125%	0.92%	7.28%	30 years
Details Origination Point: 0.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.28% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Mortgages - 30 Yr Fixed Jumbo	7.125%	0.92%	7.28%
Details Origination Point: 0.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.28% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Current Mortgage - 30 Yr Fixed	7.125%	0.63%	7.33%	30 years
Details Origination Point: 0.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.33% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Mortgages - 30 Yr Fixed	7.125%	0.63%	7.33%
Details Origination Point: 0.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.33% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Current Mortgage - 20 Yr Fixed	7.25%	1.00%	7.56%	20 years
Details Origination Point: 0.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.56% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Mortgages - 20 Yr Fixed	7.25%	1.00%	7.56%
Details Origination Point: 0.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.56% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	6.24%	3 year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.09% → 6.24% ▲ 0.15 pts · high 6.24% / low 6.09% Oct 1, 20266.24%▲ from 6.09% Sep 18, 20266.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Home Equity	-	-	6.98%	4 year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.68% → 6.98% ▲ 0.30 pts · high 6.98% / low 6.68% Oct 1, 20266.98%▲ from 6.68% Sep 18, 20266.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Home Equity Line of Credit	-	-	7.50%
Details Rate as low as 7.50% until 12/31/26. After 12/31/26, 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. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Home Equity	-	-	7.51%	5 year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.17% → 7.51% ▲ 0.34 pts · high 7.51% / low 7.17% Oct 1, 20267.51%▲ from 7.17% Sep 18, 20267.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Home Equity	-	-	7.68%	6 year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.32% → 7.68% ▲ 0.36 pts · high 7.68% / low 7.32% Oct 1, 20267.68%▲ from 7.32% Sep 18, 20267.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Home Equity	-	-	7.68%	7 year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.32% → 7.68% ▲ 0.36 pts · high 7.68% / low 7.32% Oct 1, 20267.68%▲ from 7.32% Sep 18, 20267.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Home Equity	-	-	7.91%	10 year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.53% → 7.91% ▲ 0.38 pts · high 7.91% / low 7.53% Oct 1, 20267.91%▲ from 7.53% Sep 18, 20267.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Home Equity	-	-	8.05%	15 year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.69% → 8.05% ▲ 0.36 pts · high 8.05% / low 7.69% Oct 1, 20268.05%▲ from 7.69% Sep 18, 20267.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.05%	3 year
Details 1New vehicle rates. Used vehicle rates are 1.00% higher. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.83% → 5.05% ▲ 0.22 pts · high 5.05% / low 4.83% Oct 1, 20265.05%▲ from 4.83% Sep 18, 20264.83%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Auto Loan	-	-	5.28%	4 year
Details 1New vehicle rates. Used vehicle rates are 1.00% higher. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.98% → 5.28% ▲ 0.30 pts · high 5.28% / low 4.98% Oct 1, 20265.28%▲ from 4.98% Sep 14, 20264.98%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Auto Loan	-	-	5.49%	5 year
Details 1New vehicle rates. Used vehicle rates are 1.00% higher. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.17% → 5.49% ▲ 0.32 pts · high 5.49% / low 5.17% Oct 1, 20265.49%▲ from 5.17% Sep 14, 20265.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Auto Loan	-	-	6.25%	6 year
Details 1New vehicle rates. Used vehicle rates are 1.00% higher. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.91% → 6.25% ▲ 0.34 pts · high 6.25% / low 5.91% Oct 1, 20266.25%▲ from 5.91% Sep 18, 20265.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Auto Loan	-	-	6.85%	7 year
Details 1New vehicle rates. Used vehicle rates are 1.00% higher. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.50% → 6.85% ▲ 0.35 pts · high 6.85% / low 6.50% Oct 1, 20266.85%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan	-	6.61%	4 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.31% → 6.61% ▲ 0.30 pts · high 6.61% / low 6.31% Oct 1, 20266.61%▲ from 6.31% Sep 18, 20266.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Boat Loan	-	6.81%	5 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.81% ▲ 0.32 pts · high 6.81% / low 6.49% Oct 1, 20266.81%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Boat Loan	-	6.96%	6 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.62% → 6.96% ▲ 0.34 pts · high 6.96% / low 6.62% Oct 1, 20266.96%▲ from 6.62% Sep 18, 20266.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motor Home & Travel Trailer Loan	-	6.98%	4 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.68% → 6.98% ▲ 0.30 pts · high 6.98% / low 6.68% Oct 1, 20266.98%▲ from 6.68% Sep 18, 20266.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Boat Loan	-	7.17%	7 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.80% → 7.17% ▲ 0.37 pts · high 7.17% / low 6.80% Oct 1, 20267.17%▲ from 6.80% Sep 18, 20266.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motor Home & Travel Trailer Loan	-	7.20%	5 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.88% → 7.20% ▲ 0.32 pts · high 7.20% / low 6.88% Oct 1, 20267.20%▲ from 6.88% Sep 18, 20266.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motorcycle, Jet Ski, ATV & Pop-up Camper Loan	-	7.33%	3 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.11% → 7.33% ▲ 0.22 pts · high 7.33% / low 7.11% Oct 1, 20267.33%▲ from 7.11% Sep 18, 20267.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motor Home & Travel Trailer Loan	-	7.35%	6 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.00% → 7.35% ▲ 0.35 pts · high 7.35% / low 7.00% Oct 1, 20267.35%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Boat Loan	-	7.46%	10 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.07% → 7.46% ▲ 0.39 pts · high 7.46% / low 7.07% Oct 1, 20267.46%▲ from 7.07% Sep 18, 20267.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Boat Loan	-	7.47%	12 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.15% → 7.47% ▲ 0.32 pts · high 7.47% / low 7.15% Oct 1, 20267.47%▲ from 7.15% Sep 18, 20267.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motor Home & Travel Trailer Loan	-	7.55%	7 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.19% → 7.55% ▲ 0.36 pts · high 7.55% / low 7.19% Oct 1, 20267.55%▲ from 7.19% Sep 18, 20267.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motorcycle, Jet Ski, ATV & Pop-up Camper Loan	-	7.56%	4 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.26% → 7.56% ▲ 0.30 pts · high 7.56% / low 7.26% Oct 1, 20267.56%▲ from 7.26% Sep 18, 20267.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motor Home & Travel Trailer Loan	-	7.75%	10 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.36% → 7.75% ▲ 0.39 pts · high 7.75% / low 7.36% Oct 1, 20267.75%▲ from 7.36% Sep 18, 20267.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motor Home & Travel Trailer Loan	-	7.77%	12 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.46% → 7.77% ▲ 0.31 pts · high 7.77% / low 7.46% Oct 1, 20267.77%▲ from 7.46% Sep 18, 20267.46%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motorcycle, Jet Ski, ATV & Pop-up Camper Loan	-	7.80%	5 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.48% → 7.80% ▲ 0.32 pts · high 7.80% / low 7.48% Oct 1, 20267.80%▲ from 7.48% Sep 18, 20267.48%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motor Home & Travel Trailer Loan	-	7.95%	15 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.58% → 7.95% ▲ 0.37 pts · high 7.95% / low 7.58% Oct 1, 20267.95%▲ from 7.58% Sep 18, 20267.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Motorcycle, Jet Ski, ATV & Pop-up Camper Loan	-	7.96%	6 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.62% → 7.96% ▲ 0.34 pts · high 7.96% / low 7.62% Oct 1, 20267.96%▲ from 7.62% Sep 18, 20267.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Boat Loan	-	8.03%	15 year
Details 2Rates for new RVs, Motor Homes, Travel Trailers, Boats, Motorcycles, Jet Skis, ATVs and Pop-up Campers. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.66% → 8.03% ▲ 0.37 pts · high 8.03% / low 7.66% Oct 1, 20268.03%▲ from 7.66% Sep 18, 20267.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Credit Card Rates

Product	Rate	APR
Dinero Teens Visa	-	9.90%
Details Intro rate expires: 6 months; Regular APR: 9.90%; Earns unlimited 1% rewards on all purchases up to $2,500 and unlimited 1.5% rewards on all purchases when you spend $2,500+ in one statement cycle. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Dinero Visa	-	9.90%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Visa Rewards Plus	-	9.90%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Visa Business	-	11.90%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%
Secured Visa	-	17.90%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 17.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.90%
Details 4Rates as low as 9.90%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Advancial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
True Line of Credit	-	-	9.90%
Details Rates as low as 9.90%. The term of these loan types is open-ended. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.30%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Advancial Federal Credit Union’s Texas Ratio rose from 8.06% in Q3 2023 to 12.30% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.4B	12.30%	5.0	A
March 31, 2026	$2.4B	10.42%	5.0	A
December 31, 2025	$2.4B	11.78%	5.0	A
September 30, 2025	$2.4B	9.94%	5.0	A
June 30, 2025	$2.4B	10.37%	5.0	A
March 31, 2025	$2.4B	8.61%	5.0	A
December 31, 2024	$2.4B	10.46%	5.0	A
September 30, 2024	$2.4B	10.66%	5.0	A
June 30, 2024	$2.4B	10.51%	5.0	A
March 31, 2024	$2.4B	10.24%	5.0	A
December 31, 2023	$2.4B	9.37%	5.0	A
September 30, 2023	$2.3B	8.06%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Advancial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Advancial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Advancial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Advancial Federal Credit Union

Website http://www.advancial.org

Address 10000 N Central Expy Ste 1400, Dallas, TX 75231-2319

Phone 800-322-2709

Fax 214-880-9501

President Mike McKee

CEO Brent Sheffield

Full-Time Employees 311

Part-Time Employees 2

Branch Locations 16

ATM Locations 16

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.30%

Return on Assets (ROA)

0.1241%

Return on Equity (ROE)

1.5557%

Non-Performing Loans Ratio (NPL)

1.33%

Total Assets

2,393,786,243

Total Amount of Shares and Deposits

1,937,795,386

Total Shares and Deposits < 1 Year

1,123,485,107

Total Shares and Deposits 1 3 Years

632,397,027

Total Shares and Deposits > 3 Years

181,913,251

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

481,138,163

Total Uninsured Shares and Deposits > $250K (F+J)

481,138,163

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,456,657,223

Total Interest Expense (Sum of items 6 8)

31,325,202

Share Certificates

13,195

Number of Accounts for Share Drafts

67,362

IRA KEOGH Accounts

4,815

Number of Accounts for Regular Shares

148,631

Money Market Shares

3,407

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

179,099,339

Total Liabilities

2,202,876,488

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Advancial Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Advancial Federal Credit Union

How many branches does Advancial Federal Credit Union operate?

Advancial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Advancial Federal Credit Union?

Yes, to access services at Advancial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Advancial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Advancial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Advancial Federal Credit Union offer online and mobile banking?

Most modern institutions like Advancial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.advancial.org.

Current Advancial Federal Credit Union Rates

12-Month CD2.96%
18-Month CD3.29%
24-Month CD3.68%
60-Month CD4.66%
Savings0.30%
MMA1.22%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Advancial Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Advancial Federal Credit Union Texas Ratio

Advancial Federal Credit Union Health Trend

Advancial Federal Credit Union CD Rates

Advancial Federal Credit Union Business CD Rates

Advancial Federal Credit Union Savings Rates

Advancial Federal Credit Union Business Savings Rates

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Advancial Federal Credit Union Home Equity & HELOC

Advancial Federal Credit Union Auto Loan Rates

Advancial Federal Credit Union RV, Boat and Powersport Loan Rates

Advancial Federal Credit Union Credit Card Rates

Advancial Federal Credit Union Personal Loan Rates

Advancial Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Advancial Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Advancial Federal Credit Union

How many branches does Advancial Federal Credit Union operate?

Is a member application needed to join Advancial Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Advancial Federal Credit Union offer online and mobile banking?

Current Advancial Federal Credit Union Rates

Compare to Other Credit Unions