You will love banking at Advia Credit Union.

Advia is member-owned, which means real advantages for you. From low rates to personalized banking solutions, you’ll experience the real difference a financial partner truly dedicated to you can make.

Become a Member Make an Appointment

We make banking everything it should be.

Enjoy higher interest rates on savings and checking accounts and lower rates on loans, all designed to save you money.

Refinanced Loans

Members save nearly $4,000 on average when refinancing loans.1 Save more for the things that matter most.

Checking Accounts

Earn 5.00% APY2 on Checking when you meet Advantage Plus Rewards qualifications. It's like getting a high-five every month.

HELOC

Get as low as 6.49% intro APR3 for 12 months on a Home Equity Line Of Credit with Advantage Plus Rewards. Turn dreams to reality.

Visa® Platinum Credit Cards

Get 20,000 points after spending $2,000 in the first 60 days.4 Maximize your rewards with the Visa® Platinum Advantage Points Credit Card.

Dream big and save more on your Home Mortgage.

Get $1,200 off closing costs5 on new purchase Home Mortgage or $500 off closing costs6 for refinanced Home Mortgages.

Learn more

1,000 more reasons to join.

As a new member, you could earn up to $1,000 simply by transferring your personal banking needs to Advia.7 The more accounts you bring over, the greater your rewards.

Earn $500

With your Mortgage for $125,000 or more.7 New or refinanced.

Earn $250

With an Auto, HELOC, RV, or Personal Loan for $10,000 or more.7 New or transferred.

Earn $250

Open a Checking Account & reach Advantage Plus status.7 Multiple options.

Get started by using the promo code NM1000 when you open your new account online, over the phone, or at your local branch. Once you're a member, open a Checking account, apply for a new or refinanced Mortgage, and/or apply for a Loan to start earning your rewards.

Better banking at your fingertips.

You'll get personalized service with cutting edge new technology designed to make your financial life even better.

  • 24/7 Digital and Mobile Banking capabilities
  • Over 35,000 fee-free ATMs and 5,000 shared branches nationwide
  • Free credit score monitoring and fraud prevention in our app
  • Easily send payments to friends and family
  • Text alerts for loan payments, account balances, and fraudulent charges

Plus, get rewarded for being an active member and bonuses for referring others.

Become a Member Make an Appointment

See what real people like you are saying about Advia.

"Advia hands down is the best financial institution to keep your money in if you're a regular Joe. Their rates are competitive and the fees are understandable… I would tell anyone asking where to open an account to bank with Advia."
"I never would have thought I'd love a bank so much… I know they are always looking out for me. For the longest time I banked with [A BIG BANK]. Terrible experience. These folks have me for life!"
"This is probably the best credit union in Kalamazoo. Save yourself the fees of the banks and enjoy family type of service. I have been with Advia for over 20 years through many name changes and face changes. I have always felt like part of their family."
"Seriously the best decisions I've made finically was switching from a bank to a credit union! I love Advia so much so kind and always helpful... They are always willing to work with you and always looking out for you and what will get you the best return and save you the most!"
"I have never had a single issue with anything... The digital check deposit and the ATM depositing cash is flawless. I recommend anyone to use them and to at least check them out."

Become a member today, it’s easy!

Advia is an inclusive community credit union, not an exclusive club. Anyone living or working in these counties can join!

  • Dane
  • Green
  • Jefferson
  • Kenosha
  • Milwaukee
  • Racine
  • Rock
  • Walworth
  • Waukesha
  • Boone
  • Cook (north of Irving Park Road)
  • DuPage
  • Kane
  • Lake
  • McHenry
  • Winnebago
  • All counties in the lower peninsula

Personalized service for a better banking experience.

Big On Service

Advia's services are similar to those of a big bank. However, unlike a big bank, our only goal is to serve you and our community. Our wins are lower service charges, better rates on deposits and loans, and free access to convenient services.

Real Advantages for Real People™

Advia’s mission is to provide financial advantages. We hold ourselves accountable to do what's right. Explore our Core Values to learn more about what we stand for.

NCUA Insured

Secured by National Credit Union Administration (NCUA) coverage, we can guarantee your Advia Credit Union membership up to $250,000. Think of this as the same protection the Federal Deposit Insurance Corporation (FDIC) provides to traditional banks, only with the added benefit of a vested interest in you.

Open your account online today.

Open your account online today!

Experience real financial advantages.

  1. Estimated member savings in 2024 were $3,937 in average interest saved per transferred loan.
  2. Annual Percentage Yield; subject to change. APY to be paid on balances held in Regular and Assurance Checking when account activity meets qualifications as Advantage Plus $500 up to $5,000. Balances above $5,000 will earn our non-promotional stated rate with no maximum balance applicable. Dividend rate premium not eligible on balances held in Money Market Checking. Members may hold multiple Checking shares, however, promotional rate will be paid on first Regular or Assurance Checking share ID only. See Advantage Plus Rewards page for qualifications.
  3. Introductory Annual Percentage Rate (APR) of 6.49% for the first 12 months is a promotional offer available for HELOC applications submitted based on the following qualifications: (1) minimum credit score of 700 at time of application, (2) combined Loan-to-Value (CLTV) of 70% or below, and (3) minimum line of $10,000 selected. (4) Member is Advantage Plus status at the time of application. Estimated monthly payment for a $10,000 HELOC during the introductory period for the following APR: 6.49% = $55.12 (interest only). Applicants that meet the first three qualifications but do not meet Advantage Plus Rewards qualifications will have an APR of 6.74% for the first 12 months. Following the promotional period of 12 months, the APR will revert to a variable rate, which is as low as 7.00% APR as of 02/01/2025, which may change quarterly based on an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to as low as the Prime index + or - a margin. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial non-promotional loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and CLTV of secured real estate at the time of application.
  4. 20,000 bonus points valid only on Visa® Platinum Advantage Points Credit Card. Not valid on Visa® Business and Fixed Rate Credit Cards, card reissues, or multiple cardholders. Must meet all qualifications in initial sixty (60) days following date of card issuance to receive credit of 20,000 points: 1) aggregate purchases of at least $2,000, and 2) aggregate purchases must be made within the first sixty (60) days of card issuance; credits or returns to card within this timeframe will be deducted from aggregate amount. Cash advances and balance transfers don’t apply. Points will be applied to member’s point balance within 45 days of meeting stated qualifications.
  5. $1,200 Closing Cost promotion is on purchase transactions and saves you $1,200 off the current administration and underwriting fees on your closed home loan. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Application must be taken between April 1, 2025 and August 31, 2025. Mortgage amount must be between $40,000 and $806,500 to be eligible. Mortgage rates current as of 03/17/2025, and assume a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan with a 30 year term and an amount of $225,000 at an interest rate of 6.5% and an APR of 6.633% has a payment of $1,422.15 with 0.0 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Up to date rate information can be found at mortgagecenter.com/advia/rates/purchase. Offer applies to Residential Conventional First Mortgages financed with Mortgage Center and excludes FHA, VA, Hobby Farm, Right Choice, Non-Warrantable Condo, PMI Saver, Home Equity Loans and Lines of Credit. This offer can only be used once in a 24-month time period. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply.
  6. $500 Closing Cost promotion is on refinance transactions and saves you $700 off the current administration and underwriting fees on your closed home loan. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Application must be taken between April 1, 2025 and August 31, 2025. Mortgage amount must be between $40,000 and $806,500 to be eligible. Mortgage rates current as of 03/17/2025, and assume a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan with a 30 year term and an amount of $225,000 at an interest rate of 6.5% and an APR of 6.633% has a payment of $1,422.15 with 0.0 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Up to date rate information can be found at mortgagecenter.com/advia/rates/refinance. Offer applies to Residential Conventional First Mortgages financed with Mortgage Center and excludes FHA, VA, Hobby Farm, Right Choice, Non-Warrantable Condo, PMI Saver, Home Equity Loans and Lines of Credit. This offer can only be used once in a 24-month time period. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Other restrictions may apply.
  7. New member account to be opened with New Member Code NM1000 or by gaining membership through an indirect loan (at auto/RV dealership); offer not valid for current or previous members. New Loan must be funded and/or must qualify for Advantage Plus Rewards on Checking within 90 days of membership; Mortgage must close within 120 days. $500 deposited into Share Savings for funded & disbursed mortgage of $125K or more. $250 deposited in Share Savings for Advantage Plus Rewards qualification; see details: Advantage Plus Rewards. $250 deposited into Share Savings for funded & disbursed Home Equity Line of Credit, personal term Auto, RV type, or Signature loan of $10K or more. If a new account is opened via an indirect relationship (at an auto/RV dealership), the initial indirect loan obtained to open an account does not qualify for this incentive, to earn the $250, it must be for an additional loan. Incentive(s) paid within 45 days following month-end reporting showing qualification(s) have been met. Full account relationship must be in good standing at the time of incentive payout to qualify; if the account is closed within six (6) months of incentive payout, funds equal to incentive(s) paid may be withheld prior to account closing; incentives will be reported to the Internal Revenue Service. All loans and offers are subject to credit approval and are subject to change at any time.