Knowledge Center

These resources will help you make more informed financial decisions. Our financial calculators, informative articles and other credit union resources will offer all the guidance you'll need.

Financial Calculators

Our financial calculators provide you with the tools you need to prepare for your financial future.

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Identity Theft

Identity theft occurs when someone steals your personal information and uses it for financial gain. Learn what you can do to protect yourself from identity theft.

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Articles

Useful tips and information on credit unions to help you with a wide variety of important financial decisions.

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10 Terms Every Home-Buyer Should Know

Buying a home is a common undertaking for many Americans, but it’s also one of the most complicated — not to mention costly — purchases adults will ever make. It’s important to understand these 10 essential terms so you’re ready to make smart decisions with your money.

Adjustable-rate mortgage (ARM): A mortgage with an interest rate that can change over time. It typically has a low, fixed initial interest rate and then may adjust regularly either up or down depending on market conditions. It can’t exceed a set rate cap.
Closing costs: Fees from buying a house from both the lender and third parties like inspectors, attorneys, surveyors and title insurance companies. These typically add up to 3%-6% of the total home price, though some of these charges are negotiable.
Down payment: When you’re buying a home and financing it with a mortgage, most lenders require

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Financial Calculators

Our top financial calculators provide you with the tools to make important financial decisions and reach your financial goals. Research auto loans, manage personal savings and plan for retirement within the financial sections below

*Completion of any of Advancial's Financial Calculators does not guarantee extension of credit and are provided as estimates only.

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Identity Theft Education

Identity theft is when someone steals your personal information, such as your name, Social Security number or credit card number, to commit fraud or other crimes. Nearly one in five Americans has become a victim of this crime. Identity theft can cost its victims valuable money, time and frustration.

Tax Season and Identity Theft

Tax season is underway and while some of us may put off filing our returns, the procrastinators don’t include tax identity thieves. They’re geared up and ready to file. Unfortunately, they may be ready to file to get your tax refund.

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It’s Smart to Protect Your Online Presence

There are scammers out there trying to do harmful things like steal your identity, damage your reputation, drain your financial accounts and much, much more. Do these five things to enhance the protection of your online presence.

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Your Guide to Auto Loans

Buying a car requires a lot of time and research. And that’s just deciding on the model and features! So of course the financial aspect can seem overwhelming to add on top of everything else.

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