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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 ADVANCIAL Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
ADVANCIAL's Regular, IRA & Business Jumbo CDs - 5 years rates are at 4.49%, Regular, IRA & Business Junior Jumbo CDs - 5 years rates are at 4.39%, Regular, IRA & Business CDs - 5 years rates are at 4.28%, Regular, IRA & Business Jumbo CDs - 4 years rates are at 4.12%, Regular, IRA & Business Junior Jumbo CDs - 4 years rates are at 4.01%. ADVANCIAL's savings rates are at 0.10%. ADVANCIAL's money market rates are at 0.46%. ADVANCIAL's Current Mortgage Rates - 15 Yr Fixed rates are at 6.12%, Current Mortgage Rates - 15 Yr Fixed Jumbo rates are at 6.50%, Current Mortgage Rates - 30 Yr Fixed Jumbo rates are at 6.62%, Current Mortgage Rates - 30 Yr Fixed rates are at 6.75%, Current Mortgage Rates - 20 Yr Fixed rates are at 6.88%. ADVANCIAL's Personal Loan Rates are as low as 9.90%. ADVANCIAL's Credit Card Rates are at 5.90%. MonitorBankRates evaluates the financial stability of ADVANCIAL with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.42%. Rates last updated and verified on 09/22/2026. ADVANCIAL 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? Share your experience about ADVANCIAL by leaving a review below, or read customer reviews before you decide to use ADVANCIAL. ADVANCIAL
Advancial Federal Credit Union 10000 N Central Expy Ste 1400
http://www.advancial.org Dallas, TX 75231-2319 
ADVANCIAL CD Rates
ADVANCIAL Savings Rates
ADVANCIAL Money Market Rates
ADVANCIAL Checking Rates
ADVANCIAL Mortgage Rates
ADVANCIAL Home Equity & HELOC
ADVANCIAL Auto Loan Rates
ADVANCIAL RV, Boat and Powersport Loan Rates
ADVANCIAL Credit Card Rates
ADVANCIAL Personal Loan Rates
ADVANCIAL Other Rates
Financial Health HistoryADVANCIAL’s Texas Ratio rose from 7.78% in Q2 2023 to 10.42% in Q1 2026, so its financial health has weakened 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for ADVANCIAL 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 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's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
ADVANCIAL
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
308
Part-Time Employees
2
Branch Locations
16
ATM Locations
16
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.42%
Return on Assets (ROA)
0.0545%
Return on Equity (ROE)
0.6880%
Non-Performing Loans Ratio (NPL)
1.13%
Total Assets
2,391,266,673
Total Amount of Shares and Deposits
1,948,988,327
Total Shares and Deposits < 1 Year
1,108,486,406
Total Shares and Deposits 1 3 Years
471,516,230
Total Shares and Deposits > 3 Years
368,985,690
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
482,855,973
Total Uninsured Shares and Deposits > $250K (F+J)
482,855,973
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,466,132,354
Total Interest Expense (Sum of items 6 8)
15,523,290
Share Certificates
13,237
Number of Accounts for Share Drafts
66,034
IRA KEOGH Accounts
4,783
Number of Accounts for Regular Shares
147,631
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)
192,669,001
Total Liabilities
2,201,827,128
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About ADVANCIALHow many branches does ADVANCIAL operate?ADVANCIAL 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?Yes, to access services at ADVANCIAL, 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 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 provides members with tools to manage their accounts and build a solid financial history. Does ADVANCIAL offer online and mobile banking?Most modern institutions like ADVANCIAL 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 Rates
Retrieved from our database of financial products. Rates subject to change.
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