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    New Year, New Rate on Your Auto Loan

    Start the year with more savings when you refinance your auto loan with Advancial.

    LEARN MORE Apply Now
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    Featured Rates

    Jumbo, 5 Year Term

    4.18%

    APY
    Certificates
    Certificates

    Rates as low as

    4.97%

    APR
    Auto Loans
    Auto Loans

    Rates as low as

    9.90%

    APR
    Credit Cards
    Credit Cards

    Rates as low as

    5.09%

    APR
    Mortgages
    Mortgages

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    What Our Members Say About Advancial
    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.)
    Pete W.
    "It’s the personal service that makes me stay with you for the last 24 years!!"
    Don E.
    "We have been with Advancial for years and we are very happy with the service and opportunities for saving our funds."

    Become a Member

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    Banking Designed for You
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    Low-Rate Personal Loans

    Cover life’s unexpected expenses or big plans with a personal loan—featuring low fixed rates, flexible terms, and a fast, stress-free application process.

    • Low fixed or variable rates
    • Flexible repayment options
    • Use for anything—big or small
    • Quick and easy application process
    Learn More

    Ultimate Checking

    All the essentials, without the fees. Ultimate Checking is crafted to help you save more, spend smarter and stress less.

    • No monthly maintenance fees
    • No minimum balance 
    • Unlimited free ATMs worldwide
    • Unlimited Debit card rewards
    Learn More
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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

    See How Advancial Excels in Your Area

    PROD NAME

    999 Lifetime Savings:

    0.0%
    0.0%
    : 0.0%
    : 0.0%
    APPLY NOW

    Analysis by Datatrac as of .
    APY = Annual Percentage Yield, APR = Annual Percentage Rate

    News & Knowledge Center
    smiling woman holding her phone and looking at her bills

    Zero-Based Budgeting: Make Every Dollar Count
    Managing your money can feel overwhelming, especially when bills, expenses, and savings goals all compete for your attention. One budgeting method that can help you take full control is zero-based budgeting.
    December 15, 2025
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    How to Pay Off Your Debt: Snowball vs. Avalanche
    Feeling buried under debt can be stressful, but creating a clear plan can make it much more manageable. Two popular approaches — the snowball method and the avalanche method — offer different paths to becoming debt-free.
    December 15, 2025
    happy couple shaking hands with a financial advisor

    When Should I Work with a Financial Advisor?
    It’s easy to wonder if you’re making the right decisions or missing out on opportunities to grow your wealth. That’s why many people consider working with a financial advisor.
    December 15, 2025
    concerned woman by a christmas tree looking at her phone and holding her credit card

    5 Common Holiday Scams to Avoid During the Holiday Season
    The holidays are upon us! That means it’s the most popular time of year for scammers to earn their stockings full of coal. Don’t ruin your holidays by falling victim to their empty presents and Grinch-like tricks.
    November 24, 2025

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