COVID 19 Information: Learn more about our ongoing response, account assistance, digital account access and more.
Drive Thrus Open - All Lobbies Temporarily Closed for Walk In Transactions - Branch Staff Assistance Available by Email & Phone.

Graduate Advantage Program

Competitive financing for young professionals.

Graduate Advantage Program

Competitive financing for young professionals.

Our Graduate Advantage Program is designed to help young, degreed professionals build a firm financial foundation with a new auto loan or credit card without extensive credit history or a cosigner.

Visa Rewards Plus

Advancial’s Visa® Rewards Plus credit card features low rates, no annual fee1 and you’ll earn unlimited reward points that never expire.

Credit card requirements

  • Four-year college degree2
  • No current delinquencies
  • Maximum credit limit – 1.5x gross monthly salary
  • Minimum monthly gross income of $3,000
visa rewards credit card

Auto Loans

auto loans great rates
 

Advancial offers affordable interest rates and flexible terms for new and used autos. No matter which route you take, you’ll save.

Auto loan requirements

  • Four-year college degree2
  • Must be your first individually-financed vehicle
  • No current delinquencies
  • Financing available on autos greater than 100% Loan to Value with approved credit
  • Maximum loan amount – 75% of gross annual salary
  • Minimum monthly gross income of $3,000

To apply, click the button below. Under Auto, select which type of auto loan you want to apply for: new, used or refinance.

If you have any questions or need additional details about the program, please visit one of our convenient branches or call one of our dedicated representatives at 800.322.2709.
 

1APR will be 8.90%-14.90% based on credit worthiness
2Proof of graduation may be required.

Get the Latest News

a woman on a beach holding a credit card

Make It a Point to Maximize Rewards

If you’re in the market for a rewards credit card, you may be wondering which is the best for you.
Continue to Article
article preview image

7 Reasons Not to Skip a Home Inspection

If you’re in the market for a new home, don’t forget to include an inspection contingency in your contract. A professional home inspection can save you a ton of aggravation and thousands of dollars in the long run.
Continue to Article
Agent showing couple a home

How a Real Estate Agent Can Help You Land a Home

Owning a home can be an excellent source of financial stability and security. Plus, you don't have to deal with those noisy upstairs neighbors anymore.
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 federally 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