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Advantage One Credit Union

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Advantage One Credit Union Rates & Review November 2026

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

Current rates for Advantage One Credit Union include: 12-Month CD: 3.70%, 24-Month CD: 2.78%, 60-Month CD: 3.55%, Savings: 0.40%, MMA: 1.36%

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

Advantage One Credit Union CD rates are 3.80% APY for a 6 month CD, 3.70% APY for a 12 month CD, 2.78% APY for a 2 year CD, 3.03% APY for a 3 year CD, 3.29% APY for a 4 year CD and 3.55% 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 One Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Advantage One Credit Union's CD 6-Month rates are at 3.80%, CD 12-Month rates are at 3.70%, CD 60-Month rates are at 3.55%, CD 48-Month rates are at 3.29%, CD 36-Month rates are at 3.03%. Advantage One Credit Union's savings rates are at 0.40%. Advantage One Credit Union's money market rates are at 1.36%. Advantage One Credit Union's checking rates are as high as 5.01%. Advantage One Credit Union's Conventional Fixed-Rate Mortgage - 10-Year rates are at 5.62%, Conventional Fixed-Rate Mortgage - 15-Year rates are at 6.00%, VA Fixed Rate Mortgage - 15-Year rates are at 6.00%, VA Fixed-Rate Mortgage rates are at 6.00%, VA Fixed Rate Mortgage - 30-Year rates are at 6.25%. Advantage One Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.74%. Advantage One Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Advantage One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.43%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.43%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Advantage One Credit Union
Advantage One Credit Union

23670 Telegraph Rd
Brownstown, MI 48134

https://www.myaocu.com

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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 CD Rates

Product	Rate	APY	Term
Share Certificate 6-Month	-	3.80%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; regular share certificate minimum starting balance $1,000.00; must maintain $1,000 minimum balance to obtain APY; early withdrawal penalty applies Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
6-Month Youth Certificate	-	3.79%	6 months
Min Deposit $50 Min Balance $50 Details Youth account holders only; dividends paid and compounded quarterly; two withdrawals allowed per term before regular early withdrawal penalties apply; early withdrawal fee $25.00 min. to 90 days dividends max Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
12-Month Youth Certificate	-	3.70%	12 months
Min Deposit $50 Min Balance $50 Details Youth account holders only; dividends paid and compounded quarterly; two withdrawals allowed per term before regular early withdrawal penalties apply; early withdrawal fee $25.00 min. to 90 days dividends max Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Share Certificate 12-Month	-	3.70%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; regular share certificate minimum starting balance $1,000.00; must maintain $1,000 minimum balance to obtain APY; early withdrawal penalty applies Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Traditional & Roth IRA 12 Month Certificate	-	3.70%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; must maintain minimum balance of $1,000 to obtain APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Share Certificate 60-Month	-	3.55%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; regular share certificate minimum starting balance $1,000.00; must maintain $1,000 minimum balance to obtain APY; early withdrawal penalty applies Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Traditional & Roth IRA 60 Month Certificate	-	3.55%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; must maintain minimum balance of $1,000 to obtain APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Share Certificate 48-Month	-	3.29%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; regular share certificate minimum starting balance $1,000.00; must maintain $1,000 minimum balance to obtain APY; early withdrawal penalty applies Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.29% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Traditional & Roth IRA 48 Month Certificate	-	3.29%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; must maintain minimum balance of $1,000 to obtain APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.29% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Share Certificate 36-Month	-	3.03%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; regular share certificate minimum starting balance $1,000.00; must maintain $1,000 minimum balance to obtain APY; early withdrawal penalty applies Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Traditional & Roth IRA 36 Month Certificate	-	3.03%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; must maintain minimum balance of $1,000 to obtain APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Share Certificate 24-Month	-	2.78%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; regular share certificate minimum starting balance $1,000.00; must maintain $1,000 minimum balance to obtain APY; early withdrawal penalty applies Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Traditional & Roth IRA 24 Month Certificate	-	2.78%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Dividends compounded quarterly; must maintain minimum balance of $1,000 to obtain APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Advantage One Credit Union Savings Rates

Product	Rate	APY
IRA Savings	-	0.40%
Min Deposit $25 Min Balance $50 Details Dividends paid and compounded quarterly; must maintain $50.00 minimum average daily balance to obtain disclosed APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Primary Savings	-	0.07%
Min Deposit $5 Min Balance $50 Details Dividends paid and compounded quarterly; Must maintain a minimum average daily balance of $50.00 to obtain the disclosed APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Secondary Savings	-	0.07%
Min Balance $50 Details Dividends paid and compounded quarterly; Must maintain a minimum average daily balance of $50.00 to obtain the disclosed APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Advantage One Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	1.36%
Min Balance $100,000 Details Balance: $100,000 and over; APY accurate as of last dividend declaration date; dividends compounded monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 1.36% ▲ 0.11 pts · high 1.36% / low 1.25% Oct 10, 20261.36%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Money Market	-	1.21%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99; APY accurate as of last dividend declaration date; dividends compounded monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.21% ▲ 0.06 pts · high 1.21% / low 1.15% Oct 10, 20261.21%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Money Market	-	1.16%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99; APY accurate as of last dividend declaration date; dividends compounded monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.10% → 1.16% ▲ 0.06 pts · high 1.16% / low 1.10% Oct 10, 20261.16%▲ from 1.10% Sep 14, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Money Market	-	0.85%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; APY accurate as of last dividend declaration date; dividends compounded monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Money Market	-	0.70%
Min Balance $1,500 Details Balance: $1,500 - $24,999.99; APY accurate as of last dividend declaration date; dividends compounded monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Advantage One Credit Union Checking Rates

Product	Rate	APY	View More
Advantage Checking	-	5.01%
Details Qualifications Required; Qualifying balance up to $10,000.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Advantage One Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed-Rate Mortgage - 10-Year	5.625%	0.0	6.184%	10-Year
Details Points 0.0; Conventional Fixed Rate Mortgage; Rates accurate as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.18% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Conventional Fixed-Rate Mortgage - 15-Year	6.00%	0.0	6.398%	15-Year
Details Points 0.0; Conventional Fixed Rate Mortgage; Rates accurate as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.40% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
VA Fixed Rate Mortgage - 15-Year	6.00%	0.0	6.602%	15-Year
Details As Low As; Points 0.0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
VA Fixed-Rate Mortgage	6.00%	0.0	6.602%	15 years
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.60% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
VA Fixed Rate Mortgage - 30-Year	6.25%	0.0	6.616%	30-Year
Details As Low As; Points 0.0 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.62% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
VA Fixed-Rate Mortgage	6.25%	0.0	6.616%	30 years
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.62% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
FHA Fixed-Rate Mortgage - 30-Year	6.25%	0.0	6.666%	30-Year
Details Rates accurate as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.67% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
FHA Fixed-Rate Mortgage - 15-Year	6.00%	0.0	6.685%	15-Year
Details Rates accurate as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Conventional Fixed-Rate Mortgage - 20-Year	6.375%	0.0	6.696%	20-Year
Details Points 0.0; Conventional Fixed Rate Mortgage; Rates accurate as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Conventional Fixed-Rate Mortgage - 30-Year	6.75%	0.0	6.999%	30-Year
Details Points 0.0; Conventional Fixed Rate Mortgage; Rates accurate as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Vacant Land Mortgage - 10-Year	6.75%	0.0	7.321%	10-Year
Details Points 0.0; Rates accurate as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.32% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Vacant Land Mortgage - 15-Year	7.00%	0.0	7.409%	15-Year
Details Points 0.0; Rates accurate as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.41% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Advantage One Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Closed-End Fixed Home Equity	-	-	5.99%	60-Month
Details As Low As; Based on 80% LTV; LTV 80.01% - 90.00% adds 0.50%; Minimum loan amount $10,000.00; Secondary homes and investment properties have max LTV 70% and may carry higher rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Closed-End Fixed Home Equity	-	-	6.24%	120-Month
Details As Low As; Based on 80% LTV; LTV 80.01% - 90.00% adds 0.50%; Minimum loan amount $10,000.00; Secondary homes and investment properties have max LTV 70% and may carry higher rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Closed-End Fixed Home Equity	-	-	6.49%	180-Month
Details As Low As; Based on 80% LTV; LTV 80.01% - 90.00% adds 0.50%; Minimum loan amount $10,000.00; Secondary homes and investment properties have max LTV 70% and may carry higher rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Home Equity Line of Credit	-	-	6.75%	240 months
Details Term: 240-Month (10-year draw, 10-year repayment); As Low As; Rates tied to Prime and line balance/credit rating; floor 3.25%, maximum 16.00%; reviewed and changed quarterly; minimum loan amount $10,000.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Advantage One Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto & Motorcycle - 36-Month	-	-	4.24%	36-Month
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Auto and Motorcycle Loan	-	-	4.24%	36-Month
Details Rates accurate as of October 19, 2026; APR Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto & Motorcycle (2022 - 2025)	-	-	4.24%	36-Month
Details As Low As; Interest begins to accrue when loan funds are disbursed 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: 5.43%
Used Auto and Motorcycle (2022-2025) - 36-Month	-	-	4.24%	36-Month
Details Used Vehicles (2022-2025); APR=Annual Percentage Rate; rates accurate as of October 19, 2026 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: 5.43%
New Auto & Motorcycle - 60-Month	-	-	4.99%	60-Month
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Auto and Motorcycle Loan	-	-	4.99%	60-Month
Details Rates accurate as of October 19, 2026; APR Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto & Motorcycle (2022 - 2025)	-	-	4.99%	60-Month
Details As Low As; Interest begins to accrue when loan funds are disbursed 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: 5.43%
Used Auto and Motorcycle (2022-2025) - 60-Month	-	-	4.99%	60-Month
Details Used Vehicles (2022-2025); APR=Annual Percentage Rate; rates accurate as of October 19, 2026 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: 5.43%
New Auto & Motorcycle - 72-Month	-	-	5.24%	72-Month
Details As Low As; Minimum loan amount $15,000; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Auto and Motorcycle Loan	-	-	5.24%	72-Month
Details Minimum loan amount $15,000; Rates accurate as of October 19, 2026; APR Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto & Motorcycle (2021 & Older) - 36-Month	-	-	5.24%	36-Month
Details As Low As; Interest begins to accrue when loan funds are disbursed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto & Motorcycle (2022 - 2025)	-	-	5.24%	72-Month
Details As Low As; Minimum loan amount $15,000; Interest begins to accrue when loan funds are disbursed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto and Motorcycle (2022-2025) - 72-Month	-	-	5.24%	72-Month
Details Minimum loan amount $15,000; Used Vehicles (2022-2025); APR=Annual Percentage Rate; rates accurate as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto and Motorcycle Over 5 Years - 36-Month	-	-	5.24%	36-Month
Details Used Vehicles (2021 & Older) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto & Motorcycle (2021 & Older) - 48-Month	-	-	5.74%	48-Month
Details As Low As; Interest begins to accrue when loan funds are disbursed Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto and Motorcycle Over 5 Years - 48-Month	-	-	5.74%	48-Month
Details Used Vehicles (2021 & Older) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Auto & Motorcycle - 84-Month	-	-	5.99%	84-Month
Details As Low As; Minimum loan amount $25,000; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Auto and Motorcycle Loan	-	-	5.99%	84-Month
Details Minimum loan amount $25,000; Rates accurate as of October 19, 2026; APR Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto & Motorcycle (2021 & Older) - 60-Month	-	-	5.99%	60-Month
Details As Low As; Minimum loan amount $10,000; Interest begins to accrue when loan funds are disbursed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto & Motorcycle (2022 - 2025)	-	-	5.99%	84-Month
Details As Low As; Minimum loan amount $25,000; Interest begins to accrue when loan funds are disbursed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto and Motorcycle (2022-2025) - 84-Month	-	-	5.99%	84-Month
Details Minimum loan amount $25,000; Used Vehicles (2022-2025); APR=Annual Percentage Rate; rates accurate as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto and Motorcycle Over 5 Years - 60-Month	-	-	5.99%	60-Month
Details Used Vehicles (2021 & Older); Minimum loan amount $10,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto & Motorcycle (2021 & Older) - 72-Month	-	-	6.24%	72-Month
Details As Low As; Minimum loan amount $15,000; Interest begins to accrue when loan funds are disbursed Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto and Motorcycle Over 5 Years - 72-Month	-	-	6.24%	72-Month
Details Used Vehicles (2021 & Older); Minimum loan amount $15,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Auto & Motorcycle - First Time Car Buyer	-	-	9.99%
Details As Low As; First Time Car Buyer program; requires no previous auto history and no current FICO score; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto & Motorcycle (2021 & Older) - First-Time Car Buyer	-	-	9.99%
Details As Low As; First-Time Car Buyer program; no previous auto history and no current FICO score present Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto & Motorcycle (2022 - 2025) - First-Time Car Buyer	-	-	9.99%
Details As Low As; First-Time Car Buyer program; requires no previous auto history and no current FICO score present Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Auto and Motorcycle Over 5 Years - First-Time Car Buyer	-	-	9.99%
Details Used Vehicles (2021 & Older); First-Time Car Buyer program: no previous auto history and no current FICO score Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Advantage One Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat, Motorhome & RV Loan	-	5.99%	60-Month
Details As Low As; APR as low as; Model Year: 2016 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Boat, Motorhome & RV Loan	-	6.49%	84-Month
Details As Low As; Minimum loan amount $10,000; Model Year: 2016 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) Loan	-	6.74%	36-Month
Details As Low As; Model Year: 2022 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Boat, Motorhome, & RV Loan (2015 - older) - 60-Month	-	6.99%	60-Month
Details As Low As; Rates accurate as of October 19, 2026; Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term; Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Boat, Motorhome & RV Loan	-	7.24%	120-Month
Details As Low As; Minimum loan amount $15,000; Model Year: 2016 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Boat, Motorhome & RV Loan	-	7.49%	144-Month
Details As Low As; Minimum loan amount $20,000; Model Year: 2016 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) Loan	-	7.49%	48-Month
Details As Low As; Model Year: 2022 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) Loan	-	7.74%	60-Month
Details As Low As; Model Year: 2022 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Boat, Motorhome & RV Loan	-	7.99%	180-Month
Details As Low As; Minimum loan amount $25,000; Model Year: 2016 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Boat, Motorhome, & RV Loan (2015 - older) - 84-Month	-	7.99%	84-Month
Details As Low As; Minimum loan amount $10,000; Rates accurate as of October 19, 2026; Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term; Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Boat, Motorhome & RV Loan	-	8.24%	240-Month
Details As Low As; Minimum loan amount $35,000; Model Year: 2016 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Boat, Motorhome, & RV Loan (2015 - older) - 120-Month	-	8.24%	120-Month
Details As Low As; Minimum loan amount $15,000; Rates accurate as of October 19, 2026; Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term; Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) Loan	-	8.49%	72-Month
Details As Low As; Model Year: 2022 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Boat, Motorhome, & RV Loan (2015 - older) - 180-Month	-	8.74%	180-Month
Details As Low As; Minimum loan amount $25,000; Rates accurate as of October 19, 2026; Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term; Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan	-	8.74%	36-Month
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Boat, Motorhome, & RV Loan (2015 - older) - 240-Month	-	9.24%	240-Month
Details As Low As; Minimum loan amount $35,000; Rates accurate as of October 19, 2026; Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term; Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan	-	9.49%	48-Month
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan	-	9.74%	60-Month
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan	-	10.49%	72-Month
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

Advantage One Credit Union Personal Loan Rates

Product	APR	Term
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) Loan	6.74%	36-Month
Details As Low As; Model Year: 2022 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) Loan	7.49%	48-Month
Details As Low As; Model Year: 2022 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) Loan	7.74%	60-Month
Details As Low As; Model Year: 2022 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) Loan	8.49%	72-Month
Details As Low As; Model Year: 2022 - 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan	8.74%	36-Month
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Personal Unsecured Loan	9.49%	36 months
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan	9.49%	48-Month
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan	9.74%	60-Month
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Personal Lines of Credit Loan	10.00%	Revolving
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Personal Unsecured	10.49%	60 Months
Details $5,000; As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Used Personal Watercraft, Snowmobiles & ATVs (2021 & older) Loan	10.49%	72-Month
Details As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%
Personal Unsecured	11.99%	72 Months
Details $10,000; As Low As; APR as low as Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.43%

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 One Credit Union’s Texas Ratio fell from 7.70% in Q3 2023 to 5.43% in Q2 2026, so its financial health has improved 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)

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	$268M	5.43%	5.0	A+
March 31, 2026	$266M	5.07%	5.0	A+
December 31, 2025	$257M	7.53%	5.0	A
September 30, 2025	$250M	10.46%	5.0	A
June 30, 2025	$253M	11.17%	5.0	A
March 31, 2025	$249M	9.25%	5.0	A
December 31, 2024	$253M	9.18%	5.0	A
September 30, 2024	$256M	10.55%	5.0	A
June 30, 2024	$264M	9.02%	5.0	A
March 31, 2024	$263M	7.90%	5.0	A
December 31, 2023	$256M	8.16%	5.0	A
September 30, 2023	$248M	7.70%	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 One 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 One 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 One Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Advantage One Credit Union

Website https://www.myaocu.com

Address 23670 Telegraph Rd, Brownstown, MI 48134

Phone 734-676-7000

Fax

President Richard Lindemann

CEO Christopher Corkery

Full-Time Employees 58

Part-Time Employees 1

Branch Locations 3

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.43%

Return on Assets (ROA)

0.5789%

Return on Equity (ROE)

4.9154%

Non-Performing Loans Ratio (NPL)

0.84%

Total Assets

268,111,204

Total Amount of Shares and Deposits

237,145,356

Total Shares and Deposits < 1 Year

233,443,492

Total Shares and Deposits 1 3 Years

2,367,993

Total Shares and Deposits > 3 Years

1,333,871

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

6,775,866

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

6,775,866

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

230,369,490

Total Interest Expense (Sum of items 6 8)

1,461,797

Share Certificates

1,914

Number of Accounts for Share Drafts

10,032

IRA KEOGH Accounts

428

Number of Accounts for Regular Shares

20,354

All other shares

Money Market Shares

228

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)

9,751,153

Total Liabilities

238,132,316

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Advantage One 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About Advantage One Credit Union

Does Advantage One Credit Union offer CDs?

Yes. Advantage One Credit Union current CD rates include its CD 6-Month at 3.80% APY, its CD 12-Month at 3.70% APY and its CD 60-Month at 3.55% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Advantage One Credit Union NCUA insured?

Yes. Advantage One 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 One Credit Union?

The highest Advantage One Credit Union CD rate is its CD 6-Month at 3.80% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Advantage One Credit Union offer?

Advantage One Credit Union CD rates are 3.80% APY for a 6 month CD, 3.70% APY for a 12 month CD, 2.78% APY for a 2 year CD, 3.03% APY for a 3 year CD, 3.29% APY for a 4 year CD and 3.55% 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 One Credit Union for its full lineup.

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

The highest Advantage One Credit Union savings rate is its IRA Savings at 0.40% APY, verified by MonitorBankRates as of October 30, 2026.

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

The highest Advantage One Credit Union money market rate is its Money Market at 1.36% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Advantage One Credit Union?

The highest Advantage One Credit Union checking rate is its Advantage Checking at 5.01% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Advantage One Credit Union?

The lowest Advantage One Credit Union 30 year fixed mortgage rate is its VA Fixed Rate Mortgage - 30-Year at 6.25%, verified by MonitorBankRates as of October 30, 2026. Advantage One Credit Union mortgage rates are 6.75% for a 30 year mortgage, 6.375% for a 20 year mortgage, 6.00% for a 15 year mortgage and 5.625% for a 10 year mortgage.

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

The lowest Advantage One Credit Union auto loan rate is its New Auto & Motorcycle - 36-Month at 4.24% APR, verified by MonitorBankRates as of October 30, 2026. Advantage One Credit Union auto loan rates are 4.24% APR for a 36 month auto loan, 5.74% APR for a 48 month auto loan, 4.99% APR for a 60 month auto loan, 5.24% APR for a 72 month auto loan and 5.99% APR for an 84 month auto loan.

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

The lowest Advantage One Credit Union personal loan rate is its New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) Loan at 6.74% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Advantage One Credit Union operate?

Advantage One 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 One Credit Union?

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

Does Advantage One Credit Union offer online and mobile banking?

Most modern institutions like Advantage One 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.myaocu.com.

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 rates compare?

Advantage One Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. Advantage One Credit Union's top rates are its CD 6-Month at 3.80% APY, its IRA Savings at 0.40% APY, its Money Market at 1.36% APY, its Advantage Checking at 5.01% APY, its Conventional Fixed-Rate Mortgage - 10-Year at 5.625% and its New Personal Watercraft, Snowmobiles & ATVs (2022 - 2026) Loan at 6.74% APR, verified by MonitorBankRates on October 30, 2026.

Current Advantage One Credit Union Rates

12-Month CD3.70%
24-Month CD2.78%
60-Month CD3.55%
Savings0.40%
MMA1.36%

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

Compare to Other Credit Unions

Advantage One Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Advantage One Credit Union Texas Ratio

Advantage One Credit Union Health Trend

Advantage One Credit Union CD Rates

Advantage One Credit Union Savings Rates

Advantage One Credit Union Money Market Rates

Advantage One Credit Union Checking Rates

Advantage One Credit Union Mortgage Rates

Advantage One Credit Union Home Equity & HELOC

Advantage One Credit Union Auto Loan Rates

Advantage One Credit Union RV, Boat and Powersport Loan Rates

Advantage One Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Advantage One Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Advantage One Credit Union

Does Advantage One Credit Union offer CDs?

Are CDs from Advantage One Credit Union NCUA insured?

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

What CD terms does Advantage One Credit Union offer?

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

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

What is the highest checking rate at Advantage One Credit Union?

What is the lowest 30 year fixed mortgage rate at Advantage One Credit Union?

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

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

How many branches does Advantage One Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Advantage One 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 One Credit Union rates compare?

Current Advantage One Credit Union Rates

Compare to Other Credit Unions