Skip to Content (custom)

    Savings Certificates

    The returns you need with the security you deserve.

    Join Now to Open Already a Member? Log In to Open

    Savings Certificates 

    If you’re trying to reach a specific savings goal and have money available for long-term investments, our high-rate savings certificates will help you get the most out of your deposits. Our flexible saving certificate terms are flexible enough to fit within any investment strategy.

    Can be used as collateral to secure a loan

    Fixed, steady growth

    Highest dividend rates

    Terms available from three months to five years

    Low minimum deposit of $1,000

    Higher rates with junior jumbo and jumbo certificates

    Milestone Certificate

    Get rewarded with a higher rate as your savings grow! Our Milestone Certificate is a great way to reach your savings goals in steps. As your savings increases and reaches new “milestones,” your rate will automatically increase. It’s perfect for those who don’t have a large sum of money initially but want to commit to a savings goal with great rates.

    Low Minimum Opening Deposit of $100

    Make Additional Deposits Whenever You Want

    Dividend Rate Increases When You Hit Milestones

    As you grow your savings, you're rewarded with higher dividend rates. The milestones for rate increases are $250, $500, $750, and $1,000

    Money Musketeers Starter Certificate

    Teach your kids about the benefits of long-term savings with a one-year starter certificate with a low minimum opening deposit of $100. 
    Check Rates

    Dinero Teens Starter Certificate

    With a low opening deposit of just $250, your teen can learn about dividends and take advantage of higher rates with a Dinero starter certificate. Deposit money for 12 months and watch the savings grow!
    Check Rates

    Featured Rates

    Jumbo, 5 Year Term

    4.23%

    APY
    Open Now

    Junior Jumbo, 5 Year Term

    4.13%

    APY
    Open Now

    Regular Certificate, 3 Month Term

    2.49%

    APY
    Open Now

    Dinero & Money Musketeers Starter Certificates

    2.75%

    APY
    Open Now

    Want to see more certificate options?

    See More Rates

    Savings Calculators

    Saving for the future can feel daunting if you don't have a plan. Use our calculators to set targets so that you can achieve your financial goals.
    • Becoming a millionaire
    • Compare two certificates
    • How long will it take to reach my savings goal?
    • The impact of saving more
    • What will my savings be worth?
    Do the Math

    IRAs

    It's never too early to start building your retirement funds. In fact – the sooner, the better. We offer a variety of IRA investment options to suit your needs. We can help with tax-free or tax-deferred retirement accounts, or help you save for your child's college education. Put your money to work for you today so that you can be prepared for tomorrow.
    Prepare for Your Future

    Frequently Asked Questions about Savings Certificates
    Once you have opened a savings account, you will have access to cuAnywhere® Online Banking. Here, you can open or apply for other accounts and products.
    Visit joinadvancial.org to get started. Applying for membership online is fast, easy and secure. The process only takes about 10 minutes.

    You’ll need a state issued ID and a credit or debit card to fund the membership savings account. We only require a $5 initial deposit.

    Please note: You must be a U.S. citizen or permanent resident alien and at least 18 years of age to apply online.
    You can apply online, by mail or at your local Advancial branch.
    Advancial is federally insured by The National Credit Union Administration (NCUA), which administers The National Credit Union Share Insurance Fund (NCUSIF). The NCUA, like its banking counterpart, the FDIC, assures Advancial members that their money is safe. Learn more about Share Insurance Coverage.
    Regular membership is for anyone over the age of 18. Money Musketeers membership is for children 12 and under. Dinero Teens membership is for anyone between the ages of 13 and 18.
    All employees of Advancial's select employer groups and their subsidiaries are eligible to join Advancial. This benefit is also open to their immediate family members. Additionally, you are eligible to join if you live, work, worship or attend school in one of these eight Louisiana parishes: Acadia, Avoyelles, Evangeline, Iberia, Lafayette, St. Landry, St. Martin or Vermillion. More information on how to apply for membership can be found here.

    For all Certificate Accounts the amount of the early withdrawal penalty is based on the term of your Certificate Account. The early withdrawal penalty will be imposed regardless of whether dividends equal to the amount of the penalty have been earned at the time of withdrawal. If the dividends in the Certificate Account at the time of withdrawal are insufficient to pay the entire penalty assessed, the penalty will be assessed against principal. The penalty schedule is as follows:

    Certificate Term Penalty
    3 month
    6 month    		 90 days’ dividends
    1 year
    18 month
    2 year
    3 year    		 180 days’ dividends
    4 year
    5 year    		 365 days’ dividends
     

    In addition, if this is an IRA Savings Certificate, early withdrawal may result not only in the penalty noted above, but may also have tax penalty implications based on Internal Revenue Service rules. Generally there are tax penalty implications for withdrawals outside of IRA account terms or for those under the age of 59½.

    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
    graphic of a teen learning how to build their credit score

    Dinero Teens: How to Build Credit Without Wrecking It
    Credit might seem like a boring adult thing, but it's a tool that helps open doors for your future. Learn how to use it wisely now!
    June 11, 2025
    graphic of a teen using multiple budgeting resources

    Dinero Teens: How to Track Your Expenses: Simple Ways to Manage Your Money
    Ever wonder where all your money goes? Learning to track your expenses is a key step in managing your money wisely. The good news? With the right tools and a little effort, it's easier than you think!
    June 11, 2025
    footer wave background