Teach your teen about credit cards.
Credit can be difficult to understand – especially for teens who are new to managing their finances. That’s why we created the Dinero Visa to help introduce teens to credit cards safely and responsibly, while making it simple for parents to monitor spending and provide guidance.1
0% intro APR for the first 12 Months2
Low APR of 9.90% after the intro period
No annual fee
No over-limit fee
Earns unlimited reward points on purchases3
No over-limit fee
Mobile app available
Carl R. Young Memorial Scholarship
Every spring, Dinero Teens members who are graduating juniors or seniors are eligible to apply for a chance to win one of four $2,500 scholarships. Named in memory of our longtime board member and volunteer, Carl R. Young, our hope is that this scholarship helps Advancial's young members succeed the way that Carl helped our credit union for so many years. Carl’s dedication and commitment to Advancial and our members was a vital part of our growth and success. His wisdom and long-term perspective helped guide and shape Advancial through many transitional moments in our history, and with this scholarship we honor his contributions and his memory.
The 2025 Carl R. Young Memorial Scholarship is now closed for submissions. Winners will be notified soon.
Dinero Checking
Starting your teen on the path to financial success is important, and our Dinero Checking account is here to help. Dinero Checking is a perfect first checking account to teach your teen on how to manage their finances while giving you the peace of mind knowing you’ll be able to monitor their spending.
Frequently Asked Questions about Dinero Visa
If you’ve lost your card or believe it has been stolen, lock your card in cuAnywhere® Online Banking or the Advancial Mobile App immediately. You can also contact our Member Service Center at 800.322.2709 and speak with a Member Service Representative who will be able to lock your card and order you a new one.
To lock your card in cuAnywhere or the Advancial Mobile App, follow these steps:
To lock your card in cuAnywhere or the Advancial Mobile App, follow these steps:
- Log in to cuAnywhere Online Banking or the Advancial Mobile App
- Select Card Management > Card Controls
- Select or add the card in which you’d like to lock
- For cuAnywhere, click Lock or Unlock the card
- For the Advancial Mobile App, click the icon so that it shows Locked
- If you find your card, simply use the same steps to unlock it and begin using it again
- Log in to cuAnywhere Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- For cuAnywhere, click Block Lost/Stolen Card
- For the Advancial Mobile App, click Card Blocking
- Select the card in which you’d like to block and click Block or Submit
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- For cuAnywhere, click PIN Management
- Select the card in which you’d like to change your PIN and click Continue
- Enter your new PIN and click Save
- For the Advancial Mobile App, click PIN Set and follow the same steps mentioned above
You can also contact our Member Service Center at 800.322.2709, or 1+ 214.880.0141 for international calling, and say “change my credit card PIN”. Please have your card available.
When on the Accounts Summary page in cuAnywhere® Online Banking, click on the credit card you’d like to check under the Credit Cards section.
Yes, we offer a Secured Visa® credit card that allows you to improve your credit history responsibly.
Dinero Teens Newsletter
Dinero Teens: Claim Your Cash — Don’t Leave Free Money Behind!
While college can be expensive, scholarships can help ease the financial burden—and the best part? Scholarships are essentially free money you don't have to pay back.
April 22, 2025
Dinero Teens: Taxes 101 for Your First Job
If your first job is with a company—like working at a retail store, a restaurant, or an office—you'll notice that your paycheck isn't as big as you thought it would be.
April 22, 2025
Dinero Teens: Why Dividends Are Your Financial BFF!
As you grow older and start earning more money, it’s important to think about where and how to save.
April 22, 2025
Dinero Teens: 3 Common Types of Fraud Targeting Teens — and How to Avoid Them
Fraud is everywhere. From sneaky online scams to fake emails and text messages, fraudsters are always looking for ways to trick people into giving away their money or personal information.
April 22, 2025
1
Must be 16 years old to apply. Co-signer required.
Credit qualifications for co-signer apply.
Credit qualifications for co-signer apply.
2
After the 12-month introductory period, your APR will be 9.90%. APR=Annual Percentage Rate. 0% Credit Card Balance Transfer Terms and Conditions: Introductory balance transfer offer must be used within the first 12 months after account opening and is available for a single balance transfer request. Multiple balances from other non-Advancial Federal Credit Union accounts may be combined into a single 0% balance transfer request, but the balance transfers must be requested at the same time. If you do not pay off a 0% balance transfer balance within twelve months of the transfer, the remaining balance will then be subject to the Standard Rate. Balance transfers performed after the initial introductory offer will incur the same APR as the account and will incur a 3% balance transfer fee, unless otherwise stated in a separate promotional offer.
3
Earn unlimited 1% rewards on all purchases up to $2,500 and unlimited 1.5% rewards on all purchases when you spend $2,500+ in one statement cycle.
