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    Burn rubber—
    Not your budget.

    Buckle up for smooth financing— low-rate auto loans with flexible terms, fast approvals and no payments for 90 days.1

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    Featured Rates

    Jumbo, 5 Year Term

    4.20%

    APY
    Certificates
    Certificates

    Rates as low as

    5.59%

    APR
    Auto Loans
    Auto Loans

    Rates as low as

    9.90%

    APR
    Credit Cards
    Credit Cards

    Rates as low as

    6.36%

    APR
    Mortgages
    Mortgages

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    Banking Designed for You

    Low-Rate Signature Loans

    Need cash for unexpected costs, debt consolidation or tax bills? Big expenses don’t have to be a big hassle. Our signature loan offers funds with no collateral required— just your signature.

    • Quick and easy online application process
    • Fixed interest rates and fixed monthly payments
    • Can be used for almost any financial need
    Apply Now
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    Low-Rate Home Equity Loans

    Already built equity in your home? Put it to work. Use a home equity loan to invest in upgrades, pay off debt, or plan that dream vacation. Now your home can help you build even more.
     
    • Terms (3-15 years) for manageable monthly payments
    • Fixed rates for predictable budgeting
    • Lower interest rates than most consumer loans
    Apply Now

    High-Yield Savings Certificates

    Our Savings Certificates provide you with the higher returns you need with multiple term options to fit your specific situation, from three months to five years.
     
    • As low as $1,000 minimum balance
    • No maximum deposit
    • Multiple term options to fit your needs
    • Guaranteed rate that's safe from market downturns
    Open Now

    What Our Members Say About Advancial
    Everetta C.

    "I’ve been with Advancial since I was a teenager. It’s a sense of family."
    James A.

    "Great service and family culture. Easy to work with and they make me feel valued."
    Ginger C.

    "All of your Branches I have visited so far have been so nice, friendly, thorough, helpful. I have two banks, Advancial is my favorite by far. I always walk out feeling good about people and the Banking Industry."
    Leda R.
    "Been with this bank for years. They have always helped me out and are very kind. Customer service is and has always been super!!!!!!!!!!!!!!!!!!!!"

    (Yes— This member used that many exclamation points.)
    Tenesia S.

    "I love banking here. It doesn't matter which location. The staff is always courteous, helpful and professional. I am a 15 year customer!"

    News & Knowledge Center
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    Strengthen Your Password, Strengthen Your Security
    At Advancial, we’re committed to helping you protect your accounts. Here's how to build better passwords and reduce the risk of compromise.
    June 25, 2025

    Dinero Teens: Your College Prep Checklist
    You’ve decided on a college and sent in your enrollment deposit — now it’s time to organize your finances and prepare for your move. Moving away to college may be the first time you’re living independently and making your own financial decisions.
    May 03, 2023

    Your Guide to Auto Loans
    Buying a car requires a lot of time and research. On top of deciding on the model and features you want, finding the right financing options can seem overwhelming. That’s why we’ve created this guide to help you navigate the process of financing your next set of wheels.
    September 01, 2023

    How to Maximize Deposit Insurance
    Here's how to get the most NCUA deposit insurance coverage.
    March 25, 2024

    Better Banking.
    1 Interest begins accruing the day the loan is funded. Only available for new auto loans booked directly through Advancial or auto loans refinanced from other financial institutions.
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