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    Savings Certificates

    The returns you need with the security you deserve.

    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. 

    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!

    Want to see more certificate options?

    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


    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 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.
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