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Savings and Investments

We offer high yield savings options and a superior investment service to help plan for your financial future.

Savings and Investments

We offer high yield savings options and a superior investment service to help plan for your financial future.
Piggy bank with money sticking out

Savings Account

We offer a regular savings account that establishes your membership. Your savings will earn dividends and grow over time.
  • No Monthly Service Charge
  • Earns Dividends
  • Establishes Membership
Apply for an Account Discover More Savings Account Features
Teenagers in a line

Dinero Teens Savings

Our Dinero Teens Savings Account is ideal for teens looking to start saving money and get ahead in their financial future. This program is designed for teens ages 13-19.
  • Earns Dividends
  • Annual Scholarship Contest
  • No Monthly Service Charge
Apply for an Account Discover More Dinero Teens Savings Features
Kid with a calculator

Money Musketeers Savings

Its never too soon to teach kids about saving! Our Money Musketeer Savings Account is designed for children up to age 12. As they save money, they'll earn D'Art Dollars redeemable for real prizes and merchandise in our Treasure Store!
  • Earns Dividends
  • Access to the Treasure Store
  • Quarterly prizes
Apply for an Account Discover More Money Musketeers Savings Features
Piggy bank with money sticking out of the coin slot

Savings Certificate

With a certificate, you deposit the money for a set period of time, usually between three months and five years, and in return, you receive a higher interest rate than with a traditional savings account.
  • Competitive Rates
  • Steady Growth
  • Low Initial Deposit
Apply for an Account Discover More Savings Certificate Features
Bag full of money

Money Markets

Looking for a higher rate that keeps your money available when you need it? Our money market accounts earn a higher dividend than a savings account with the same ease of access.
  • Easy Transfers
  • Personalized Checks
  • No Per-check Fees
Apply for an Account Discover More Money Markets Features
Open jar full of coins

IRAs

Whether you want to save for retirement, make pre-tax contributions or save towards education expenses, we have an IRA that fits your needs.
  • Traditional IRAs
  • Roth IRA
  • Coverdell Education Savings
Apply for an Account Discover More IRAs Features
Jar full of coins with a tree growing out of it

Investment Services

Whether your financial goals are relatively simple or very complex, working with a professional financial consultant can help you plan for financial security. We also offer IRAs to help you save for retirement or a family member's education.
  • Financial Planning
  • 401-K Rollovers
  • Investment Management
  • College Planning
  • Estate Planning
Apply for an Account Discover More Investment Services Features
gold vault

Trust Services

Members who want to transition and distribute their wealth after they’ve passed away should consider a revocable family or living trust account with Advancial. 
  • Recoverable family funds
  • Living Trusts
Apply for an Account Discover More Trust Services Features

Savings FAQs

  • What is the minimum balance for a savings account?
    The minimum balance is $5. The minimum balance to earn dividends is $100.
  • Does Advancial offer a youth savings account?
    Yes, we created the Money Musketeers Program to educate children under the age of 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.
     
  • How many withdrawals can I make from my savings account each month?
    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.
  • How do I request an ATM card for my savings account?
    Visit your local branch or call 800.322.2709 to request an ATM card.
The Linsco/Private Ledger registered representatives associated with this site may only discuss and/or transact securities business with residents in the following states: Alaska, California, Arkansas, Florida, New Jersey, Colorado, North Carolina, Louisiana, Texas, Alabama, Oklahoma and Wisconsin.

Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

Advancial Federal Credit Union and Advancial Investment Services are not registered broker/dealers and are not affiliated with LPL Financial

The investment products sold through LPL Financial are not insured Advancial Federal Credit Union deposits and are not NCUA insured. These products are not obligations of Advancial Federal Credit Union and are not endorsed, recommended or guaranteed by Advancial Federal Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and the loss of principal is possible.

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Father and Son with piggy bank

Financial Literacy for Kids

No matter how enthusiastic you are, trying to formally teach finance to kids is a tall order that is likely to make their eyes glaze over. Hold their attention by keeping money lessons relevant, age-appropriate and a bit playful.
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Hand inserting coin into piggy bank

Mistakes to Avoid During IRA and 401(K) Rollovers

If you have a retirement plan from a previous job or an individual retirement account, there are ways to move the funds without getting penalized by the Internal Revenue Service. These transfers, or “rollovers,” can be directed through a plan administrator or financial institution, but you can also make the switch too.
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What's the difference between a credit union and a bank?

It can be difficult to tell the difference between a credit union and a bank. There are a lot of similarities between the two; they both offer checking accounts, credit cards, auto loans and other financial products. However, there are a few distinct differences that set credit unions apart.
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We do business in accordance with the Federal Housing Law and the Equal Opportunity Act.

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NCUA
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government.

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