☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Advantage Financial Credit Union

iAdvertiser Disclosure

Advantage Financial Credit Union Rates & Review November 2026

Q: What are the current interest rates at Advantage Financial Credit Union?

Current rates for Advantage Financial Credit Union include: 12-Month CD: 3.56%, 24-Month CD: 3.30%, 60-Month CD: 3.04%, Savings: 0.05%, MMA: 0.20%

Q: What CD terms does Advantage Financial Credit Union offer?

Advantage Financial Credit Union CD rates are 3.56% APY for a 12 month CD, 3.40% APY for a 2 year CD, 3.14% APY for a 3 year CD, 3.14% APY for a 4 year CD and 3.14% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Advantage Financial Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Advantage Financial Credit Union's 24 Month Bonus CD rates are at 3.40%, 36 Month Bonus CD rates are at 3.14%, 48 Month Bonus CD rates are at 3.14%, 60 Month Bonus CD rates are at 3.14%, Regular & IRA CDs - 12 month rates are at 3.56%. Advantage Financial Credit Union's savings rates are at 0.05%. Advantage Financial Credit Union's money market rates are at 0.20%. Advantage Financial Credit Union's Personal Loan Rates are as low as 6.39%. Advantage Financial Credit Union's Credit Card Rates are at 11.74%. Advantage Financial Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Advantage Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.87%. Rates last updated and verified on 10/30/2026.

Advantage Financial 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 Advantage Financial Credit Union? Share your experience about Advantage Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Advantage Financial Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.87%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Advantage Financial Credit Union
1319 F ST NW

1319 F St NW Ste 500
WASHINGTON, DC 20004-1146

https://www.advfcu.org

Customer Reviews

Be the first to review

Write a Review

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.

Advantage Financial Credit Union CD Rates

Product	Rate	APY	Term
Regular & IRA Certificates - 12 month	3.50%	3.56%	12 months
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.28% → 3.56% ▲ 1.28 pts · high 3.56% / low 2.28% Oct 30, 20263.56%▲ from 2.28% Sep 14, 20262.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
24 Month Bonus Certificate	3.35%	3.40%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Bonus certificates may be regular or IRA certificates; Daily Avg. Balance/Min. Deposit $50,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.38% → 3.40% ▲ 1.02 pts · high 3.40% / low 2.38% Oct 30, 20263.40%▲ from 2.38% Sep 14, 20262.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Regular & IRA Certificates - 24 month	3.25%	3.30%	24 months
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.28% → 3.30% ▲ 1.02 pts · high 3.30% / low 2.28% Oct 30, 20263.30%▲ from 2.28% Sep 14, 20262.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Regular & IRA Certificates - 6 month	3.25%	3.30%	6 months
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.02% → 3.30% ▲ 1.28 pts · high 3.30% / low 2.02% Oct 30, 20263.30%▲ from 2.02% Sep 14, 20262.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
36 Month Bonus Certificate	3.10%	3.14%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Bonus certificates may be regular or IRA certificates; Daily Avg. Balance/Min. Deposit $50,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.38% → 3.14% ▲ 0.76 pts · high 3.14% / low 2.38% Oct 30, 20263.14%▲ from 2.38% Sep 14, 20262.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
48 Month Bonus Certificate	3.10%	3.14%	48 months
Min Deposit $50,000 Min Balance $50,000 Details Bonus certificates may be regular or IRA certificates; Daily Avg. Balance/Min. Deposit $50,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 3.14% ▲ 0.61 pts · high 3.14% / low 2.53% Oct 30, 20263.14%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
60 Month Bonus Certificate	3.10%	3.14%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Bonus certificates may be regular or IRA certificates; Daily Avg. Balance/Min. Deposit $50,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.79% → 3.14% ▲ 0.35 pts · high 3.14% / low 2.79% Oct 30, 20263.14%▲ from 2.79% Sep 14, 20262.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Regular & IRA Certificates - 36 month	3.00%	3.04%	36 months
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.28% → 3.04% ▲ 0.76 pts · high 3.04% / low 2.28% Oct 30, 20263.04%▲ from 2.28% Sep 14, 20262.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Regular & IRA Certificates - 48 month	3.00%	3.04%	48 months
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.43% → 3.04% ▲ 0.61 pts · high 3.04% / low 2.43% Oct 30, 20263.04%▲ from 2.43% Sep 14, 20262.43%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Regular & IRA Certificates - 60 month	3.00%	3.04%	60 months
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.69% → 3.04% ▲ 0.35 pts · high 3.04% / low 2.69% Oct 30, 20263.04%▲ from 2.69% Sep 14, 20262.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%

Advantage Financial Credit Union Savings Rates

Product	Rate	APY
Holiday & Vacation Club	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 or more; $5 minimum balance; Holiday club withdrawals may be subject to an early withdrawal fee; dividends calculated on average daily balance Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Share Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Balance: $100.01 or more; Dividend rates are variable, declared, compounded and paid monthly; $5 minimum balance required for membership Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Share Savings	0.00%	0.00%
Min Deposit $5 Min Balance $0 Details Balance: Less than $100.00; Dividend rates are variable, declared, compounded and paid monthly; $5 minimum balance required for membership Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%

Advantage Financial Credit Union Money Market Rates

Product	Rate	APY
High Yield Money Market	0.20%	0.20%
Min Balance $175,000 Details Balance: $175,000.00 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
High Yield Money Market	0.15%	0.15%
Min Balance $75,000 Details Balance: $75,000.00 - $174,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
High Yield Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500.00 - $74,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
High Yield Money Market	0.00%	0.00%
Min Balance $1 Details Balance: $1.00 - $2,499.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%

Advantage Financial Credit Union Checking Rates

Product	Rate	APY	View More
Free Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0.00; No minimum balance required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%

Advantage Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
1st Lien Home Equity Loan - Fixed	-	-	4.00%	5 year
Details As Low As; Loan to Value: Up to 70%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	4.25%	5 year
Details As Low As; Loan to Value: 70.01% - 75%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	4.50%	10 year
Details As Low As; Loan to Value: Up to 70%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	4.50%	5 year
Details As Low As; Loan to Value: 75.01% - 80%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	4.75%	10 year
Details As Low As; Loan to Value: 70.01% - 75%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	5.00%	15 year
Details As Low As; Loan to Value: Up to 70%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	5.00%	10 year
Details As Low As; Loan to Value: 75.01% - 80%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	5.00%	5 year
Details As Low As; Loan to Value: 80.01% - 85%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	5.25%	15 year
Details As Low As; Loan to Value: 70.01% - 75%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
2nd Lien Home Equity Loan - Fixed - 10 year	-	-	5.25%	10 year
Details As Low As; Loan to Value: 75.01% - 80% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
2nd Lien Home Equity Loan - Fixed - 15 year	-	-	5.25%	15 year
Details As Low As; Loan to Value: up to 70% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
2nd Lien Home Equity Loan - Fixed - 5 year	-	-	5.25%	5 year
Details As Low As; Loan to Value: 80.01% - 85% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	5.50%	15 year
Details As Low As; Loan to Value: 75.01% - 80%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	5.50%	10 year
Details As Low As; Loan to Value: 80.01% - 85%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	5.50%	5 year
Details As Low As; Loan to Value: 85.01% - 90%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
2nd Lien Home Equity Loan - Fixed - 15 year	-	-	5.50%	15 year
Details As Low As; Loan to Value: 70.01% - 75% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
2nd Lien Home Equity Loan - Fixed - 10 year	-	-	5.75%	10 year
Details As Low As; Loan to Value: 80.01% - 85% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
2nd Lien Home Equity Loan - Fixed - 15 year	-	-	5.75%	15 year
Details As Low As; Loan to Value: 75.01% - 80% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
2nd Lien Home Equity Loan - Fixed - 5 year	-	-	5.75%	5 year
Details As Low As; Loan to Value: 85.01% - 90% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	6.00%	15 year
Details As Low As; Loan to Value: 80.01% - 85%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	6.00%	10 year
Details As Low As; Loan to Value: 85.01% - 90%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
2nd Lien Home Equity Loan - Fixed - 10 year	-	-	6.25%	10 year
Details As Low As; Loan to Value: 85.01% - 90% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
2nd Lien Home Equity Loan - Fixed - 15 year	-	-	6.25%	15 year
Details As Low As; Loan to Value: 80.01% - 85% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
1st Lien Home Equity Loan - Fixed	-	-	6.50%	15 year
Details As Low As; Loan to Value: 85.01% - 90%; 1st lien (no 1st mortgage) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
2nd Lien Home Equity Loan - Fixed	-	-	6.75%	15 year
Details As Low As; Loan to Value: 85.01% - 90%; Second lien; Rates based on combined LTV ratio and loan term Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%

Advantage Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - Same Rate on New or Used Vehicles	-	-	3.89%	up to 36 months
Details As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loan - Same Rate on New or Used Vehicles	-	-	3.99%	up to 36 months
Details As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loans	-	-	3.99%	up to 36 months
Details As Low As; w/ Auto Pay Discount: as low as 3.89% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loan - Same Rate on New or Used Vehicles	-	-	4.14%	37 - 48 months
Details As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loan - Same Rate on New or Used Vehicles	-	-	4.24%	37 - 48 months
Details As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loans	-	-	4.24%	37 - 48 months
Details As Low As; w/ Auto Pay Discount: as low as 4.14% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loan - Same Rate on New or Used Vehicles	-	-	4.39%	49 - 60 months
Details As Low As; w/ Auto Pay Discount; Rates are based on applicant's credit worthiness; Your actual rate may vary Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loan - Same Rate on New or Used Vehicles	-	-	4.49%	49 - 60 months
Details As Low As; APR; Rates are based on applicant's credit worthiness; Your actual rate may vary Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loans	-	-	4.49%	49 - 60 months
Details As Low As; w/ Auto Pay Discount: as low as 4.39% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loan - Same Rate on New or Used Vehicles	-	-	4.64%	61 - 72 months
Details As Low As; w/ Auto Pay Discount; Only available for loan amounts in excess of $20,000; Eligible vehicles are model year 2020 or newer with less than 80K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loan - Same Rate on New or Used Vehicles	-	-	4.74%	61 - 72 months
Details As Low As; APR; Only available for loan amounts in excess of $20,000; Eligible vehicles are model year 2020 or newer with less than 80K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loans	-	-	4.74%	61 - 72 months
Details As Low As; w/ Auto Pay Discount: as low as 4.64%; Only available for loan amounts in excess of $20,000; Eligible vehicles are model year 2020 or newer with less than 80K miles Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loan - Same Rate on New or Used Vehicles	-	-	4.89%	73 - 84 months
Details As Low As; w/ Auto Pay Discount; Only available for loan amounts in excess of $30,000; Eligible vehicles are model year 2021 or newer with less than 60K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loan - Same Rate on New or Used Vehicles	-	-	4.99%	73 - 84 months
Details As Low As; APR; Only available for loan amounts in excess of $30,000; Eligible vehicles are model year 2021 or newer with less than 60K miles; Rates are based on applicant's credit worthiness; Your actual rate may vary Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Auto Loans	-	-	4.99%	73 - 84 months
Details As Low As; w/ Auto Pay Discount: as low as 4.89%; Only available for loan amounts in excess of $30,000; Eligible vehicles are model year 2021 or newer with less than 60K miles Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%

Advantage Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans	-	4.39%	48 months or less
Details As Low As; w/ Auto Pay Discount; Rates based on <=80% LTV ratio Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.39% ▼ 0.10 pts · high 4.49% / low 4.39% Oct 19, 20264.39%▼ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Motorcycle Loans	-	4.49%	48 months or less
Details As Low As; w/ Auto Pay Discount: as low as 4.39%; Rates based on <=80% LTV ratio; higher for LTV between 80.01% and 100% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Motorcycle Loans	-	5.39%	49 - 60 months
Details As Low As; w/ Auto Pay Discount; Rates based on <=80% LTV ratio Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.39% ▼ 0.10 pts · high 5.49% / low 5.39% Oct 19, 20265.39%▼ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Motorcycle Loans	-	5.49%	49 - 60 months
Details As Low As; w/ Auto Pay Discount: as low as 5.39%; Rates based on <=80% LTV ratio; higher for LTV between 80.01% and 100% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Boat & RV Loans	-	6.15%	48 months or less
Details As Low As; w/ Auto Pay Discount; Rates reflect maximum LTV ratio of 80%; Rates are higher for LTVs between 80.01% and 100% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.15% ▼ 0.10 pts · high 6.25% / low 6.15% Oct 14, 20266.15%▼ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Boat & RV Loans	-	6.25%	48 months or less
Details As Low As; w/ Auto Pay Discount: as low as 6.15%; Rates reflect maximum LTV ratio of 80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Boat & RV Loans	-	6.65%	49 - 60 months
Details As Low As; w/ Auto Pay Discount; Rates reflect maximum LTV ratio of 80%; Rates are higher for LTVs between 80.01% and 100% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 6.65% ▼ 0.10 pts · high 6.75% / low 6.65% Oct 14, 20266.65%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Boat & RV Loans	-	6.75%	49 - 60 months
Details As Low As; w/ Auto Pay Discount: as low as 6.65%; Rates reflect maximum LTV ratio of 80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Boat & RV Loans	-	8.15%	61 - 120 months
Details As Low As; w/ Auto Pay Discount; Rates reflect maximum LTV ratio of 80%; Rates are higher for LTVs between 80.01% and 100% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.15% ▼ 0.10 pts · high 8.25% / low 8.15% Oct 14, 20268.15%▼ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Boat & RV Loans	-	8.25%	61 - 120 months
Details As Low As; w/ Auto Pay Discount: as low as 8.15%; Rates reflect maximum LTV ratio of 80% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%

Advantage Financial Credit Union Credit Card Rates

Product	Rate	APR
Visa - Variable Preferred Rate	-	11.74%
Details As Low As; Rate: WSJ Prime + 3.49%; Credit limit up to $20,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 11.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Visa - Variable Rewards	-	13.74%
Details As Low As; Rate: WSJ Prime + 5.49%; Credit limit up to $20,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 13.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Visa - Variable Cash Back	-	15.74%
Details As Low As; Rate: WSJ Prime + 7.49%; Credit limit up to $20,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 15.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%

Advantage Financial Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	6.39%	12 months or less
Details As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.39% ▼ 0.10 pts · high 6.49% / low 6.39% Oct 19, 20266.39%▼ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Personal Loans	6.49%	12 months or less
Details As Low As; w/ Auto Pay Discount: as low as 6.39% APR; Rates based on applicant's credit worthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Personal Loans	7.39%	13 - 24 months
Details As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.39% ▼ 0.10 pts · high 7.49% / low 7.39% Oct 19, 20267.39%▼ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Personal Loans	7.49%	13 - 24 months
Details As Low As; w/ Auto Pay Discount: as low as 7.39% APR; Rates based on applicant's credit worthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Personal Loans	8.39%	25 - 36 months
Details As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 8.39% ▼ 0.10 pts · high 8.49% / low 8.39% Oct 19, 20268.39%▼ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Personal Loans	8.49%	25 - 36 months
Details As Low As; w/ Auto Pay Discount: as low as 8.39% APR; Rates based on applicant's credit worthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Personal Loans	9.39%	37 - 48 months
Details As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 9.39% ▼ 0.10 pts · high 9.49% / low 9.39% Oct 19, 20269.39%▼ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Personal Loans	9.49%	37 - 48 months
Details As Low As; w/ Auto Pay Discount: as low as 9.39% APR; Rates based on applicant's credit worthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Personal Loans	10.39%	49 - 60 months
Details As Low As; w/ Auto Pay Discount; Rates based on applicant's credit worthiness Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 10.49% → 10.39% ▼ 0.10 pts · high 10.49% / low 10.39% Oct 19, 202610.39%▼ from 10.49% Sep 14, 202610.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Personal Loans	10.49%	49 - 60 months
Details As Low As; w/ Auto Pay Discount: as low as 10.39% APR; Rates based on applicant's credit worthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%

Advantage Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Bonus Certificate - 24 months	3.35%	-	3.40%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Daily Avg. Balance/Min. Deposit: $50,000.00; Bonus certificates may be regular or IRA certificates; Dividends fixed for the term, compounded and paid monthly Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Bonus Certificate - 36 months	3.10%	-	3.14%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Daily Avg. Balance/Min. Deposit: $50,000.00; Bonus certificates may be regular or IRA certificates; Dividends fixed for the term, compounded and paid monthly Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 3.14% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Bonus Certificate - 48 months	3.10%	-	3.14%	48 months
Min Deposit $50,000 Min Balance $50,000 Details Daily Avg. Balance/Min. Deposit: $50,000.00; Bonus certificates may be regular or IRA certificates; Dividends fixed for the term, compounded and paid monthly Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 3.14% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Bonus Certificate - 60 months	3.10%	-	3.14%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Daily Avg. Balance/Min. Deposit: $50,000.00; Bonus certificates may be regular or IRA certificates; Dividends fixed for the term, compounded and paid monthly Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 3.14% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%
Individual Retirement Accounts	0.25%	-	0.25%
Min Balance $0 Details Balance: $0.00; Min. Daily Avg. Balance; Regular deposits allowed. Rollovers and transfers accepted. Withdrawals may be subject to IRS penalties. Dividends are calculated based on the average daily balance. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.87%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Advantage Financial Credit Union’s Texas Ratio stayed near 8.29% in Q3 2023 to 7.87% 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	$103M	7.87%	5.0	A
March 31, 2026	$105M	6.83%	5.0	A
December 31, 2025	$106M	7.88%	5.0	A
September 30, 2025	$105M	7.37%	5.0	A
June 30, 2025	$108M	7.21%	5.0	A
March 31, 2025	$109M	6.93%	5.0	A
December 31, 2024	$106M	7.52%	5.0	A
September 30, 2024	$108M	6.70%	5.0	A
June 30, 2024	$108M	7.86%	5.0	A
March 31, 2024	$111M	7.98%	5.0	A
December 31, 2023	$111M	5.52%	5.0	A+
September 30, 2023	$113M	8.29%	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 Advantage Financial 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 Advantage Financial 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 Advantage Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Advantage Financial Credit Union

Website https://www.advfcu.org

Address 1319 F St NW Ste 500, WASHINGTON, DC 20004-1146

Phone 800-822-6875

Fax 202-737-2992

President DONALD WALSH

CEO Donald Johnson

Full-Time Employees 25

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.87%

Return on Assets (ROA)

-0.1134%

Return on Equity (ROE)

-0.9368%

Non-Performing Loans Ratio (NPL)

1.84%

Total Assets

103,053,890

Total Amount of Shares and Deposits

92,149,629

Total Shares and Deposits < 1 Year

86,060,559

Total Shares and Deposits 1 3 Years

5,012,652

Total Shares and Deposits > 3 Years

1,076,418

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

7,061,207

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

7,061,207

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

85,088,422

Total Interest Expense (Sum of items 6 8)

153,949

Share Certificates

419

Number of Accounts for Share Drafts

6,208

IRA KEOGH Accounts

327

Number of Accounts for Regular Shares

11,973

Money Market Shares

772

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)

5,687,509

Total Liabilities

93,164,069

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Advantage Financial Credit Union earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/advantage-financial-rates-review-16416">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Advantage Financial Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Advantage Financial Credit Union

Frequently Asked Questions About Advantage Financial Credit Union

Does Advantage Financial Credit Union offer CDs?

Yes. Advantage Financial Credit Union current CD rates include its Regular & IRA CDs - 12 month at 3.56% APY, its 24 Month Bonus CD at 3.40% APY and its 36 Month Bonus CD at 3.14% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Advantage Financial Credit Union NCUA insured?

Yes. Advantage Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Advantage Financial Credit Union?

The highest Advantage Financial Credit Union CD rate is its Regular & IRA CDs - 12 month at 3.56% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Advantage Financial Credit Union offer?

Advantage Financial Credit Union CD rates are 3.56% APY for a 12 month CD, 3.40% APY for a 2 year CD, 3.14% APY for a 3 year CD, 3.14% APY for a 4 year CD and 3.14% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Advantage Financial Credit Union for its full lineup.

What is the highest savings rate at Advantage Financial Credit Union?

The highest Advantage Financial Credit Union savings rate is its Savings at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Advantage Financial Credit Union?

The highest Advantage Financial Credit Union money market rate is its High Yield Money Market at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Advantage Financial Credit Union?

The lowest Advantage Financial Credit Union auto loan rate is its Auto Loan - Same Rate on New or Used Vehicles at 3.89% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Advantage Financial Credit Union?

The lowest Advantage Financial Credit Union personal loan rate is its Personal Loans at 6.39% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Advantage Financial Credit Union?

The lowest Advantage Financial Credit Union credit card APR is its Visa - Variable Preferred Rate Credit Card at 11.74% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Advantage Financial Credit Union operate?

Advantage Financial 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 Advantage Financial Credit Union?

Yes, to access services at Advantage Financial 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, Advantage Financial 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, Advantage Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Advantage Financial Credit Union offer online and mobile banking?

Most modern institutions like Advantage Financial 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: https://www.advfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Advantage Financial Credit Union rates compare?

Advantage Financial Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A health rating. Advantage Financial Credit Union's top rates are its Regular & IRA CDs - 12 month at 3.56% APY, its Savings at 0.05% APY, its High Yield Money Market at 0.20% APY, its Personal Loans at 6.39% APR and its Visa - Variable Preferred Rate Credit Card at 11.74% APR, verified by MonitorBankRates on October 30, 2026.

Current Advantage Financial Credit Union Rates

12-Month CD3.56%
24-Month CD3.30%
60-Month CD3.04%
Savings0.05%
MMA0.20%

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

Compare to Other Credit Unions

Advantage Financial Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Advantage Financial Credit Union Texas Ratio

Advantage Financial Credit Union Health Trend

Advantage Financial Credit Union CD Rates

Advantage Financial Credit Union Savings Rates

Advantage Financial Credit Union Money Market Rates

Advantage Financial Credit Union Checking Rates

Advantage Financial Credit Union Home Equity & HELOC

Advantage Financial Credit Union Auto Loan Rates

Advantage Financial Credit Union RV, Boat and Powersport Loan Rates

Advantage Financial Credit Union Credit Card Rates

Advantage Financial Credit Union Personal Loan Rates

Advantage Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Advantage Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Advantage Financial Credit Union

Does Advantage Financial Credit Union offer CDs?

Are CDs from Advantage Financial Credit Union NCUA insured?

What is the highest CD rate at Advantage Financial Credit Union?

What CD terms does Advantage Financial Credit Union offer?

What is the highest savings rate at Advantage Financial Credit Union?

What is the highest money market rate at Advantage Financial Credit Union?

What is the lowest auto loan rate at Advantage Financial Credit Union?

What is the lowest personal loan rate at Advantage Financial Credit Union?

What is the lowest credit card APR at Advantage Financial Credit Union?

How many branches does Advantage Financial Credit Union operate?

Is a member application needed to join Advantage Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Advantage Financial Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Advantage Financial Credit Union rates compare?

Current Advantage Financial Credit Union Rates

Compare to Other Credit Unions