Find the latest Advancial CD Rates, Offers, and Promotions here.
Update 8/2/24: Rates have overall decreased. but the longer term rates are competitive if rate cuts were to happen in the future.
Best CD Rates: Jumbo Certificates, $50k minimum deposit –4.41% APY 48-Month, 4.68% APY 60-Month Jumbo CD.
Availability: Residents of greater Charlotte area, North Carolina and the Louisiana parishes of Acadia, Avoyelles, Evangeline, Iberia, Lafayette, St. Landry, St. Martin, and Vermillion; employees of many SEGs. Advancial has ten full-service branch locations in Alaska (1), Louisiana (2), Oklahoma (1), and Texas (7 in the Dallas area and 2 in the Houston area).
*Possible Nationwide: You can join the US Dog Agility Association for free. Then go to the Advancial web site and applied for a joint savings account only. Type in “dog” when asking for membership affiliation and US Dog Agility Association will show up in the pull down.
Credit Inquiry: Unknown
About Advancial
Advancial is headquartered in Dallas and is the 11th largest credit union in the state of Texas. It was established in 1937 and has grown to 216 employees and 90,751 members.
Advancial has a wide array of products including CD rates for all your specific financial needs. Although this credit union has branch locations in Texas, Oklahoma, and Louisiana, you can still become a member and have access to the CD rates nationwide.
| Eligibility: Open to to those who live, work, worship, or attend school in the Louisiana Parishes of Acadia, Avoyelles, Evangeline, Iberia, Lafayette, St. Landry, St. Martin, or Vermillion; 2) Employees of several SEGs (petroleum refining industry). (Membership requirements are listed on Advancial’s application). See full membership details. |
Regular CD Rates
| Term | APY Rate | Minimum Deposit |
| 3-Month | 2.92% | $1,000 |
| 6-Month | 3.03% | $1,000 |
| 12-Month | 3.20% | $1,000 |
| 18-Month | 3.39% | $1,000 |
| 24-Month | 3.65% | $1,000 |
| 36-Month | 3.84% | $1,000 |
| 48-Month | 4.04% | $1,000 |
| 60-Month | 4.31% | $1,000 |
Junior Jumbo CD Rates
| Term | APY Rate | Minimum Deposit |
| 3-Month | 3.02% | $25,000 |
| 6-Month | 3.13% | $25,000 |
| 12-Month | 3.30% | $25,000 |
| 18-Month | 3.49% | $25,000 |
| 24-Month | 3.75% | $25,000 |
| 36-Month | 3.94% | $25,000 |
| 48-Month | 4.15% | $25,000 |
| 60-Month | 4.42% | $25,000 |
Jumbo CD Rates
| Term | APY Rate | Minimum Deposit |
| 3-Month | 3.12% | $50,000 |
| 6-Month | 3.24% | $50,000 |
| 12-Month | 3.40% | $50,000 |
| 18-Month | 3.60% | $50,000 |
| 24-Month | 3.86% | $50,000 |
| 36-Month | 4.04% | $50,000 |
| 48-Month | 4.25% | $50,000 |
| 60-Month | 4.52% | $50,000 |
*The above rates are accurate as of 5/15/2024*
Advancial CD Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer the term, the higher APY rate you make.
They currently offer standard CD rates from 3-months to 60-months. If you’re interested in making a higher rate than a traditional savings account then make sure to check out Advancial’s CDs and their rates listed below.
- Minimum deposit: Regular: $1,000 | Jr. Jumbo: $25,000 | Jumbo: $50,000
- Maximum deposit: —
- Early withdrawal penalty: Unlisted
(NCUA Insured)
| Alliant Credit Union 12-Month Certificate (4.80% APY) | Quontic Bank 6-Month CD (5.10% APY) |
| Western Alliance Bank 3-Month CD (4.30% APY) | Western Alliance Bank 5-Month CD (4.10% APY) |
| Ponce Bank 3-Month CD (5.10% APY) | Blue Federal Credit Union 9-Month No Penalty CD (4.25% APY) |
| SkyOne Federal Credit Union 5-Month CD (4.75% APY) | Sun Canyon Bank 11-Month CD (4.29% APY) |
| Nelnet Bank 12-Month CD (5.00% APY) | Nelnet Bank 24-Month CD (3.56% APY) |
| Nelnet Bank 36-Month CD (3.30% APY) | Rising Bank 12-Month CD (4.25% APY) |
| Rising Bank 6-Month CD (4.50% APY) | |
Advancial CD Features
- Terms available from three months to five years
- Fixed, steady growth for your long-term savings needs
- Can be used as collateral to secure a loan
- Low minimum initial deposit of $1,000
- Higher dividend rates for junior jumbo ($25,000 minimum) and jumbo ($50,000 minimum) certificates
- NCUA insured
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Bottom Line
There is a large selection of CD lengths to choose from, as well as your choice for Jumbo, Junior Jumbo, or a Regular CD account. The difference between them is the minimum opening deposit. In my opinion, the rates aren’t too competitive and there are definitely better rates out there.
An online account is ideal for Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.
*While Advancial has these rates with their launch, their product line is limited. I recommend to take a look at Discover Bank Promotions here
That being said, you may want to compare them with our best CD Rates:
- 6-Month CD Rates
- 9-Month CD Rates
- 12-Month CD Rates
- 18-Month CD Rates
- 24-Month CD Rates
- 36-Month CD Rates
- 48-Month CD Rates
- 60-Month CD Rates
You might even find yourself earning more than a regular savings account. If you are interested, be sure to apply as soon as you can to start your new account experience. Check back often for the latest Advancial CD rates!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
I meant “Advancial”
I called advancing today for a jumbo 36 month Cd and was told it was only 3.24% or so and not 3.38%. Can you please confirm?
Thank you,
Can you please provide the link to apply for a membership at connex for $5 dollars to become eligible in opening account at advancial credit union.