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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Advia Credit Union Rates & Review October 2026Advia Credit Union's top rates as of October 9, 2026 are 4.51% APY on its 7-Month Promo CD, 2.00% APY on savings, and 5.00% APY on checking, according to rates verified by MonitorBankRates. Other Advia Credit Union CD rates include 21-Month Promo CD at 4.26%, Business Regular CD 7-Month Promo at 4.25%, and 7 month Regular CD at 4.25%. MonitorBankRates evaluates the financial stability of Advia Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.38%. Rates last updated and verified on 10/09/2026. Advia 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 Advia Credit Union? Share your experience about Advia Credit Union by leaving a review below, or read customer reviews before you decide to use Advia Credit Union. Advia Credit Union
Oshtemo - Headquarters 6400 W Main St
https://www.adviacu.org Kalamazoo, MI 49009-9272 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. Advia Credit Union CD Rates
Advia Credit Union Business CD Rates
Advia Credit Union Savings Rates
Advia Credit Union Money Market Rates
Advia Credit Union Checking Rates
Financial Health HistoryAdvia Credit Union’s Texas Ratio stayed near 5.11% in Q3 2023 to 5.38% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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 Advia 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 Advia 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 Advia Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Advia Credit Union
Website
https://www.adviacu.org
Address
6400 W Main St,
Kalamazoo, MI 49009-9272
Phone
844-238-4228
Fax
President
Donna Kalmeta
CEO
Jeff Fielder
Full-Time Employees
547
Part-Time Employees
87
Branch Locations
34
ATM Locations
35
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.38%
Return on Assets (ROA)
0.5499%
Return on Equity (ROE)
5.6500%
Non-Performing Loans Ratio (NPL)
0.70%
Total Assets
4,061,354,967
Total Amount of Shares and Deposits
3,339,388,963
Total Shares and Deposits < 1 Year
3,084,590,495
Total Shares and Deposits 1 3 Years
190,062,014
Total Shares and Deposits > 3 Years
64,736,454
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
387,621,724
Total Uninsured Shares and Deposits > $250K (F+J)
387,621,724
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,951,767,239
Total Interest Expense (Sum of items 6 8)
47,477,832
Share Certificates
19,762
Number of Accounts for Share Drafts
117,545
IRA KEOGH Accounts
5,149
Number of Accounts for Regular Shares
243,959
All other shares
1,948
Non Member Deposits
30
Money Market Shares
28,074
Net Income (unless the amount is already included in Undivided Earnings)
22,334,641
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)
119,029,207
Total Liabilities
3,681,328,343
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About Advia Credit UnionHow many branches does Advia Credit Union operate?Advia 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 Advia Credit Union?Yes, to access services at Advia 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, Advia 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, Advia Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Advia Credit Union offer online and mobile banking?Most modern institutions like Advia 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.adviacu.org. Current Advia Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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