2024 Overview
General Credit Union Information
Advia is an NCUA insured institution located in Kalamazoo, MI. It was founded in 1935 and has approximately $2987.05 millions in assets.
Who Can Join?
Anyone who lives, works or attends school in St. Clair, Sanilac, Lapeer, Oakland and Macomb counties can become a member.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61503 |
| Date Established | 1935 |
| Assets | $2,987.05 million |
| Loans | $2,311.00 million |
| Deposits | $2,524.46 million |
| Capital | $316.71 million |
Field of Membership Restrictions
Membership in Advia Credit Union is open to those who live in Michigan's Lower Peninsula, the Illinois county of Winnebago, or in the Wisconsin counties of Dane, Green, Jefferson, Milwaukee, Rock, Walworth, or Waukesha.
Deposit Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.30% | $10,000 | $14,999 |
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|
|
Premium Money Market Account
|
0.40% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.40% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Advia
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2059741 |
6.894% | 6.750% | 0.88 | $4,746 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: Not a Lender |
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NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Advia
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Advia branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
ADVIA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Advia Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Advia. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Advia | U.S. Average |
|---|---|
| 8.05% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Advia had $25,239,045 in non-current loans and $640,004 in owned assets. To cover these potential losses it had $316,710,462 in net worth and $4,643,324 in loans loss reserves. That gives it a Texas Ratio of 8.05%.
Net Worth
| Advia | U.S. Average |
|---|---|
| 10.56% | 13.62% |
Advia FCU has a net worth of 10.56% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Advia
justjan711
December 9, 2018 |
I have been a member of this credit union for more than 40 years. Over time it has had many changes but the worst one they did was to hire the man that is the manager of the Cranston Road Branch. He is customer UNFRIENDLY, egotistical, power-hungry and a jerk. Because of some of my investments, I have to cash them out before I can close my account. And, after 40 years, I will not longer be a part of the Advia Credit Union.
Is this review helpful? Yes:2 / No: 0
JC
January 8, 2017 |
I have been getting my CDs from Advia for the past 6 or 7 years. Locally, in the Janesville area, they have consistently had the highest CD rates.
Is this review helpful? Yes:0 / No: 0
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