5% APY Checking1 - get our best checking rate with Advantage Plus Rewards.

Give yourself a high-five every month with this high rate.

Open a Checking Account Not Yet a Member?

Advantage Plus Rewards fit your needs - get benefits like our high yield checking account and more:

5% APY on Checking1
3.50% APY Advantage Plus High Yield Savings2
0.25% APR CD Rate Premium3
Up to 1% APR Loan Rate Discount4
Up to $10 Advantage Bucks Monthly5

Three qualifications each month to earn rewards6 - banking with Advia is simple:

Have a Checking Account

including Regular, Assurance, or Money Market Checking.

e-Deposit at least $400

Direct Deposit, ATM, External Transfers, and Mobile Deposit (RDA) all qualify.

Make minimum 20 purchases

combined with your Advia Visa® Debit and Credit Card.

Apply for a Visa® Credit Card.

Maximize your Advantage Plus Rewards with a Visa® Platinum Credit Card.

Apply Today

Rewards applied based on previous month's activity. See how online Checking and other rewards work:

Check your status and daily activity in Digital Banking.

5% APY Checking1
Applies to balances $500 up to $5,000 in Regular and Assurance Checking only.

On the first day of the month interest begins to accrue.
Interest is applied to Checking at month end.1

3.50% APY Advantage Plus High Yield Savings2
Applies to daily balances of $10,000 and above in Advantage Plus High Yield Savings.

On the first day of the month interest begins to accrue.
Interest is applied to Advantage Plus High Yield Savings at month end.2

0.25% APR CD Premium3
Applies to Regular, IRA/Roth, and Promo CDs.

At the time of opening your new CD.
Applies to new and renewing CDs.3

Up to 1% APR Loan Discount4
Auto, RV, and Signature Loans.

At the time of acquiring your new loan.
Get discounts up to 1% APR; 0.75% APR for your Advantage Plus relationship and 0.25% APR when you elect automatic monthly payments.4

Advantage Bucks5
Applies to paper statement fees, out-of-network ATM charges, CU Service Center transactions, check orders, & overdraft transfer fees.

On the first day of the next month, your account will be credited back.
Applied to service charges received in the previous month; Advantage Bucks do not carry over to the next month.5

$10 Advantage Bucks.

Credits up to $10 of previous month's paid service charges: CU Service Center transactions, paper statements, non-Advia ATM charges, Advia check orders, and overdraft transfers. It is applied 1st day of each month for charges accrued the month prior.5

Open Checking Use e-Deposits

Youth and Seniors.

Youth and Seniors (under 25 and over 60): we've got you covered. Continue to enjoy FREE paper statements, money orders, cashier’s checks, and check printing.

Open Checking Get a Debit Card

Annual Percentage Yield (APY) is accurate as of 01/01/2025. The dividend declaration date is the last day of the dividend period and for the examples above is 12/31/2023.

  1. APY; 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.
  2. APY of 3.50% to be paid on balances in Advantage Plus High Yield Savings when account activity meets qualifications as Advantage Plus and daily balance is $10,000 or above. Account activity that does not meet Advantage Plus qualifications will earn an APY of 0.50%. A minimum $10,000 daily balance is required to earn dividends. No minimum balance to open. Dividends will be compounded and credited monthly based on daily average balances. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow the same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31. If an account is closed before dividends are credited, accrued dividends will not be paid. Rates subject to change at any time. See Advantage Plus Rewards page for qualifications.
  3. Advantage Plus CD Rate Premium = 0.25% APR on new CDs (excluding EZ Saver CDs); will be applied for the full term of the CD held. Early CD withdrawal penalties may apply. See Certificate of Deposit for details.
  4. Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate (APR) on personal loans only for the life of the loan; additional 0.25% APR discount if automatic monthly payments elected prior to first scheduled payment. Combined discounts may not go below floor rate at time of loan; offer excludes Home Equity Loans and Lines of Credit, Business/Commercial Loans, Mortgages, and Visa® Credit Cards. Eligibility of select discounts on loans may vary based on origin of loan. The current terms of the loan agreement established by a third-party platform must remain in effect for one (1) year. Combined discounts may not go below floor rate.
  5. A credit for the amount of service charges incurred, up to $10, will be applied to member’s share account following month-end processing for months in which member qualifies as Advantage Plus Rewards status. The following service charges are eligible for credit: CU Service Center transactions, paper statement, Advia check orders, non-Advia ATM transactions, and overdraft transfer fees from shares or lines of credit. Advantage Bucks do not carry over to the next month.
  6. One business day prior to the end of the month, we have a 35-day lookback period to capture all posted transactions. Transactions must be posted to the account by the end of the lookback period in order to count towards Advantage Plus Rewards status for the following month.

Restrictions apply. All offers and rates subject to change at any time. All loans subject to approval.