Credit union · NCUA insured
Advance Financial Federal Credit Union CD Rates
Advance Financial Federal Credit Union’s best CD rate is 1.00% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Advance Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Advance Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advance Financial Federal Credit Union
1.00%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $510
Share Certificate
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Advance Financial Federal Credit Union CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.40%
- 9–15 months9–15 mo0.50%
- 16–30 months16–30 mo0.75%
- 31–60 months31–60 mo1.00%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Advance Financial Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 1.00%APY · 9 terms
Dividends are compounded and credited monthly. Automatically renews on maturity date. Early withdrawal penalty applies. Rate and APY subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.40% | $20 |
| 12 months | 0.50% | $50 |
| 18 months | 0.60% | $90 |
| 24 months | 0.70% | $140 |
| 30 months | 0.75% | $189 |
| 36 months | 0.80% | $242 |
| 48 months | 0.90% | $365 |
| 60 months | 1.00% | $510 |
Sources (2)
All captured Oct 5, 2026
Payday Share Certificate
Up to 0.50%APY · 2 terms
Allows setup of direct deposit or payroll deduction totaling $500 by maturity. Dividends are compounded and credited at maturity. Automatically renews into a regular Share Certificate at maturity. Early withdrawal penalty applies. Rate and APY subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires recurring deposit minimum amount to reach $500 at maturity | 0.40% | $20 |
| 12 monthsRequires recurring deposit minimum amount to reach $500 at maturity | 0.50% | $50 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate
Up to 1.00%APY · 9 terms
Dividends are compounded and credited monthly for CDs. Penalty for early IRA Share Certificate withdrawal. Rate and APY subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.40% | $20 |
| 12 months | 0.50% | $50 |
| 18 months | 0.60% | $90 |
| 24 months | 0.70% | $140 |
| 30 months | 0.75% | $189 |
| 36 months | 0.80% | $242 |
| 48 months | 0.90% | $365 |
| 60 months | 1.00% | $510 |
Sources (2)
All captured Oct 5, 2026
Who can join Advance Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, volunteers or is educated in Lake or Porter Counties in Indiana.
Family and household
- Open to families of members wherever they live, including spouses, children, siblings, parents, grandparents, grandchildren, aunts, uncles, nieces, and nephews.
Membership information collected October 5, 2026.