What are the early withdrawal penalties for my Certificate?

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.

Secure High-Yield Savings Certificates

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

Featured Rates

Jumbo, 5 Year Term

4.49%

APY

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Junior Jumbo, 5 Year Term

4.39%

APY

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Regular Certificate, 3 Month Term

2.34%

APY

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Dinero & Money Musketeers Starter Certificates

2.82%

APY

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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.

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