Skip to Content (custom)

    Back-to-school. Back-to-savings.

    From classrooms to carpools, refinancing your auto loan to a lower rate can help you save more for what matters most.

    Apply Now Learn More
    smiling father driving his daughter to school

    Featured Rates

    Jumbo, 5 Year Term

    4.49%

    APY
    Certificates
    Certificates

    Rates as low as

    5.17%

    APR
    Auto Loans
    Auto Loans

    Rates as low as

    9.90%

    APR
    Credit Cards
    Credit Cards

    Rates as low as

    5.92%

    APR
    Mortgages
    Mortgages

    Quick Online Access
    cuAnywhere® Online Banking cuAnywhere® Online Banking
    Mortgage Account Access Mortgage Account Access
    My Loan Applications My Loan Applications
    One-Time Loan Payment One-Time Loan Payment

    What Our Members Say About Advancial
    Don E.
    "We have been with Advancial for years and we are very happy with the service and opportunities for saving our funds."
    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!"
    James A.

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

    Become a Member

    Apply Now

    Check Our Rates

    Banking Designed for You
    luxury home during summer evening sunset with new pool

    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
    graphic of a person holding a digital bank

    How-To Hub

    Need a hand? Start with our How-To Hub. Find simple, step-by-step guides that help you manage your accounts, navigate digital banking, and make the most of your membership— all in one convenient place.

    • Easy-to-follow guides for everyday banking tasks
    • Tips for online and mobile banking features
    • Available anytime, whenever you need help
    Explore the Hub
    happy family and dog packing moving boxes

    Personal Loans

    When life throws you a curveball— or a big opportunity— a personal loan offers low fixed rates, flexible repayment options, and a 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

    See How Advancial Excels in Your Area

    PROD NAME

    999 Lifetime Savings:

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

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

    News & Knowledge Center
    graphic of a nervous person holding a giant dollar being cut in half by giant scissors

    Dinero Teens: Your First Paycheck: What All Those Deductions Mean

    Getting your first paycheck is exciting—until you realize the number is smaller than expected. Where did the rest of your money go? The answer: deductions.

    May 14, 2026

    Dinero Teens: How to Make Money Management Less Confusing
    If you think managing your money is challenging, you’re not alone! Nearly three-quarters of teens (74%) say they’re not confident about their personal finance knowledge, according to a recent survey.
    August 30, 2023
    graphic of a calculator, credit card, money, and a clipboard with tax documents

    Dinero Teens: Taxes 101 for Your First Job
    If your first job is with a company—like working at a retail store, a restaurant, or an office—you'll notice that your paycheck isn't as big as you thought it would be. 
    April 22, 2025
    graphic of gold coins multiplying

    Dinero Teens: Compound Interest and the Importance of Investing Early

    You don’t have to be rich—or even an adult—to start learning about investing. The earlier you understand how investing works, the more time your money has to grow. That’s a big deal, thanks to something called compound interest.

    March 13, 2026

    Better Banking.
    footer wave background