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    Charlotte Area Chamber of Commerce

    Welcome to the Advancial family! You're now eligible to join one of the largest and oldest credit unions in the country.

    Why Join Advancial?

    No matter where you are in your financial journey, we have the tools you need to build your dreams – from your first auto loan to your retirement savings. Join today and start taking advantage of the personalized service, innovative products and industry-leading rates that our members have been enjoying since we first opened our doors in 1937. Membership is free and begins automatically when you open a savings account with a $5 minimum deposit. We do what’s best for you - not for profits. Join today!
    Join Advancial Today

    Join Advancial Today

    Endless perks, tons of free benefits, low-or-no cost services - the reasons for joining Advancial are endless. This is better banking, built for you.

    Big Bank Benefits without Big Bank Baggage


    The mortgage process can be complicated and intimidating. At Advancial, we don't just want to be  mortgage lenders – we want to be mortgage guides. Whatever your home-buying situation, we have the product for you.

    • Fixed Rate
    • Adjustable Rate
    • Refinances
    • Home Equity
    • Jumbo
    Learn More

    You Save It. We'll Keep it Safe.

    Our competitive rates will help you grow your savings and investments securely.

    Savings Account
    • A basic savings account will establish your membership with Advancial. The minimum deposit to open is $5 and you'll earn dividends when you have a minimum balance of $100. There are no monthly service fees.
    Savings Certificate
    • Our high-rate certificates help you get the most out of your deposits.
    Money Market
    • Our money market account combines the advantagesof higher dividend rates with the flexibility to withdraw funds anytime.
    • It’s never too early to start building your retirement. We offer a variety of IRA investment options to suit your needs.
    Investment Services
    • Our team of qualified advisors offer a full suite of financial investment services.


    Tools & Resources

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    A Checklist for an Organized Estate
    Estate planning is a smart thing to do to protect your assets and ease an already difficult time for your loved ones. However, starting the process and executing it effectively can be challenging. Making plans for distributing your money, home and other assets after you’re gone may be uncomfortable, but it’s important to address the topic so you and your loved ones are prepared.
    July 19, 2022
    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
    Ditch the Debt
    Getting out of debt may sometimes feel like digging out an entire beach with a child’s toy shovel. But ditching your debt is not impossible. First, it’s important to remember that not all debt is bad. Some debt helps you live a more fulfilling life.
    February 27, 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
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