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 Advantage One Credit Union CU Rates & Review November 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: October 30, 2026
Advantage One Credit Union CU's 36 Month CD rates are at 3.64%, 24 Month CD rates are at 3.62%, 18 Month CD rates are at 3.59%, 6 Month CD rates are at 3.48%, 12 Month CD rates are at 3.46%. Advantage One Credit Union CU's savings rates are at 0.15%. Advantage One Credit Union CU's money market rates are at 0.15%. Advantage One Credit Union CU's Personal Loan Rates are as low as 8.99%. Advantage One Credit Union CU's Credit Card Rates are at 8.99%. Advantage One Credit Union CU's CD rates are 23% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Advantage One Credit Union CU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.06%. Rates last updated and verified on 10/30/2026. Advantage One Credit Union CU 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 One Credit Union CU? Share your experience about Advantage One Credit Union CU by leaving a review below, or read customer reviews before you decide to use Advantage One Credit Union CU. Advantage One Credit Union CU
Advantage One Credit Union 204 N Jackson St
https://www.adonecu.org Morrison, IL 61270  Customer Reviews
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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. Advantage One Credit Union CU CD Rates
Advantage One Credit Union CU Savings Rates
Advantage One Credit Union CU Money Market Rates
Advantage One Credit Union CU Home Equity & HELOC
Advantage One Credit Union CU Auto Loan Rates
Advantage One Credit Union CU Credit Card Rates
Advantage One Credit Union CU Personal Loan Rates
Financial Health HistoryAdvantage One Credit Union CU’s Texas Ratio fell from 7.33% in Q3 2023 to 1.06% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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 Advantage One Credit Union CU 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 One Credit Union CU 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 One Credit Union CU's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Advantage One Credit Union CU
Website
https://www.adonecu.org
Address
204 N Jackson St,
Morrison, IL 61270
Phone
815-772-7215
Fax
815-772-4458
President
Michael Buckwalter
CEO
Barbara Wisowaty
Full-Time Employees
6
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.06%
Return on Assets (ROA)
0.3164%
Return on Equity (ROE)
2.6726%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
23,536,446
Total Amount of Shares and Deposits
20,617,454
Total Shares and Deposits < 1 Year
20,609,387
Total Shares and Deposits 1 3 Years
8,067
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
238,588
Total Uninsured Shares and Deposits > $250K (F+J)
238,588
Total Insured Shares and Deposits > $250K (item 17 less item K)
20,378,866
Total Interest Expense (Sum of items 6 8)
72,050
Share Certificates
110
Number of Accounts for Share Drafts
1,108
IRA KEOGH Accounts
48
Number of Accounts for Regular Shares
2,382
All other shares
225
Money Market Shares
36
Net Income (unless the amount is already included in Undivided Earnings)
74,460
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)
1,155,661
Total Liabilities
20,750,447
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Advantage One Credit Union CUDoes Advantage One Credit Union CU offer CDs?Yes. Advantage One Credit Union CU current CD rates include its 36 Month CD at 3.64% APY, its 24 Month CD at 3.62% APY and its 18 Month CD at 3.59% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Advantage One Credit Union CU NCUA insured?Yes. Advantage One Credit Union CU 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 One Credit Union CU?The highest Advantage One Credit Union CU CD rate is its 36 Month CD at 3.64% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Advantage One Credit Union CU offer?Advantage One Credit Union CU CD rates are 3.48% APY for a 6 month CD, 3.46% APY for a 12 month CD, 3.59% APY for an 18 month CD, 3.62% APY for a 2 year CD and 3.64% APY for a 3 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 One Credit Union CU for its full lineup. What is the highest savings rate at Advantage One Credit Union CU?The highest Advantage One Credit Union CU savings rate is its Christmas Savings at 0.15% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Advantage One Credit Union CU?The highest Advantage One Credit Union CU money market rate is its Money Market Account at 0.15% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Advantage One Credit Union CU?The lowest Advantage One Credit Union CU auto loan rate is its Auto Loan - New Vehicle Base Rate at 4.80% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Advantage One Credit Union CU?The lowest Advantage One Credit Union CU personal loan rate is its Signature Loans at 8.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Advantage One Credit Union CU?The lowest Advantage One Credit Union CU credit card APR is its Visa Credit Credit Card at 8.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Advantage One Credit Union CU operate?Advantage One Credit Union CU 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 One Credit Union CU?Yes, to access services at Advantage One Credit Union CU, 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 One Credit Union CU 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 One Credit Union CU provides members with tools to manage their accounts and build a solid financial history. Does Advantage One Credit Union CU offer online and mobile banking?Most modern institutions like Advantage One Credit Union CU 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.adonecu.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 One Credit Union CU rates compare?Advantage One Credit Union CU's CD rates are 23% higher than the MonitorBankRates national average, and it has an A+ health rating. Advantage One Credit Union CU's top rates are its 36 Month CD at 3.64% APY, its Christmas Savings at 0.15% APY, its Money Market Account at 0.15% APY, its Signature Loans at 8.99% APR and its Visa Credit Credit Card at 8.99% APR, verified by MonitorBankRates on October 30, 2026. Current Advantage One Credit Union CU Rates
Retrieved from our database of financial products. Rates subject to change.
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