Establish Your Membership & Own Your Money
By opening a savings account, you establish membership with Advancial. As a not-for-profit credit union, this also means your membership makes you a part owner of Advancial.
$5 minimum deposit to open
$100 minimum balance to earn dividends
No monthly service fee
Recommended for everyone
This account gives you access to all of the great products and benefits that Advancial has to offer.
Access your money
Up to six withdrawals are permitted per month as governed by Regulation D. Withdrawals at ATMs or in person are unlimited.
Put Your Savings to Work
Savings Certificates, Money Market Accounts, IRAs, and Investment Services are available for members interested in diversifying their savings and earning higher returns.
Frequently Asked Questions about
Savings Accounts
The minimum balance is $5. The minimum balance to earn dividends is $100.
Yes, we created the Money Musketeers Program to educate children ages 0-12 about the importance of saving.
We also offer the Dinero Teens Program for ages 13-18, which includes a savings account, checking account and the opportunity to apply for a Dinero Visa® at age 16. An adult is required to be a joint owner of the Dinero Visa.
Savings withdrawals are governed by Regulation D, a rule established by the Federal Reserve. This regulation states exactly how many withdrawal transactions can be made on each type of savings account.
- Withdrawals or transfers made at the ATM
- Transactions made in person at a branch
You can make up to six (6) withdrawals on your savings account per month. Note: Transferring money from your savings to a checking account will count as one of the six transactions.
Zero-Based Budgeting: Make Every Dollar Count
Managing your money can feel overwhelming, especially when bills, expenses, and savings goals all compete for your attention. One budgeting method that can help you take full control is zero-based budgeting.
December 15, 2025
Savings Tips for Every Life Stage
Whether you’re just starting out in your career or nearing retirement, maximizing your savings may help you reach your goals and overcome any financial bumps in the road.
April 14, 2023
Why Should I Refer My Friends and Family to Advancial
Credit unions are an essential part of our community. Our members are also your friends, family, co-workers and neighbors. They care enough about where they live to invest their money locally.
March 31, 2023
Understanding Wire Transfers: A Comprehensive Guide for Adults
Wire transfers are a powerful tool for moving money quickly and securely across the globe. Understanding how they work, the costs involved, and best practices for their use can help you make the most of this service with Advancial.
August 09, 2024
