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    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

    6.21%

    APR
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    What Our Members Say About Advancial
    Pete W.
    "It’s the personal service that makes me stay with you for the last 24 years!!"
    Jeanne R.
    "Everyone is ALWAYS helpful and very pleasant. Have been a part of Advancial a LONG time and wouldn't go anywhere else."
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    "I’ve been a member of Advancial since October, 1987, having joined in Anchorage AK. While I no longer live where there are physical locations, Advancial treats me always like a customer standing in front of the teller."

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    Banking Designed for You
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    Low-Rate Auto Loans

    From test drive to tail wags, we make it easy to roll down the windows and ride into savings.
     
    • Same rates for new, used, or refinance
    • Finance up to 110% of vehicle's MSRP
    • Automatic payments mean discounted rates
    • Fixed rates & payments
    • Flexible terms
    Learn More
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    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
    Learn More
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    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

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    PROD NAME

    999 Lifetime Savings:

    0.0%
    0.0%
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    : 0.0%
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    Analysis by Rate.net as of .
    APY = Annual Percentage Yield, APR = Annual Percentage Rate

    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
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    Dinero Teens: Why Credit Unions Often Offer Better Loan Rates

    When it comes to borrowing money—whether for a car, a credit card, or school expenses—not all financial institutions work the same way. One reason credit unions often offer better loan and credit card rates is because they’re built differently than banks.

    March 13, 2026

    Credit Scores 101
    Three simple digits. That’s all it takes to capture the quality of your credit history. It seems simple, but credit scores are an important tool that lenders use for virtually all loan and credit applications. Those three digits help lenders determine if they can trust you to repay a loan fully and on time.
    January 18, 2023

    Dos and Don'ts of Credit Repair
    If you've recently been rejected from a credit or loan application, it may be because of your credit score being too low. If that’s the case, there are a number of reasons why that may be.
    February 28, 2023

    Better Banking.
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