Knowledge Center

Helping you make informed financial decision.
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.

Use our Financial Calculators

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.

Learn more about Identity Theft

Articles

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

View Articles

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.

  1. 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.
  2. 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.
  3. Down payment: When you’re buying a home and financing it with a mortgage, most lenders require
Read the full article View all articles

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.

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.

Couple prepping to paint

How to Plan and Finance Home Improvement

Once the thrill of becoming a homeowner wears off, reality sets in. Your home is likely to be the biggest single investment you’ll make in your lifetime. If you want to preserve its value over time, that means doing regular maintenance.
Continue to Article
Family with their sold house

What Costs to Expect When Selling Your Home

Just as with buying a home, selling also comes with its share of dues. You need to prepare your home for prospective buyers as well as pay part of the closing costs, which average around 3% of the home price.
Continue to Article
dos and donts of credit repair

Dos and Don'ts of Credit Repair

If you've recently been rejected from a credit application of any kind, you may be looking at a poor credit score for any number of reasons. You might have been late with your credit card payments, have an outstanding judgment against you or have even been frauded or victimized by identity theft.
Continue to Article
Leaving Advancial.org
You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
Equal Housing
We do business in accordance with the Federal Housing Law and the Equal Opportunity Act.

Leaving Advancial.org. You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
NCUA
Your savings are deferally insured to at least $250,000 and backed by the full faith and credit of the United States government.

Leaving Advancial.org. You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
My Loan Applications
You are leaving www.advancial.org and entering the Loan Applications site.
Continue