Credit union · NCUA insured
Advancial Federal Credit Union CD Rates
Advancial Federal Credit Union’s best CD rate is 4.87% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Advancial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Advancial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Savings Certificates
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
3rd-highest rate
T Bank
4.52%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $452
Advancial Federal Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo2.68%
- 9–15 months9–15 mo2.96%
- 16–30 months16–30 mo3.68%
- 31–60 months31–60 mo4.66%
- QualifiedQualified4.66%
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 Advancial 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.
Savings Certificates
Up to 4.66%APY · 8 terms
Advancial membership required ($5 minimum membership share deposit). Subject to early withdrawal penalties.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.45% | — | 2.65% | 2.45%2.65% from $50k | $61 |
| 3 monthsJunior | — | 2.55% | — | —2.55% from $25k | — |
| 6 months | 2.68% | — | 2.89% | 2.68%2.89% from $50k | $133 |
| 6 monthsJunior | — | 2.78% | — | —2.78% from $25k | — |
| 12 months | 2.96% | — | 3.17% | 2.96%3.17% from $50k | $296 |
| 12 monthsJunior | — | 3.06% | — | —3.06% from $25k | — |
| 18 months | 3.29% | — | 3.49% | 3.29%3.49% from $50k | $498 |
| 18 monthsJunior | — | 3.39% | — | —3.39% from $25k | — |
| 24 months | 3.68% | — | 3.89% | 3.68%3.89% from $50k | $750 |
| 24 monthsJunior | — | 3.78% | — | —3.78% from $25k | — |
| 36 months | 4.03% | — | 4.24% | 4.03%4.24% from $50k | $1,258 |
| 36 monthsJunior | — | 4.14% | — | —4.14% from $25k | — |
| 48 months | 4.26% | — | 4.47% | 4.26%4.47% from $50k | $1,816 |
| 48 monthsJunior | — | 4.36% | — | —4.36% from $25k | — |
| 60 months | 4.66% | — | 4.87% | 4.66%4.87% from $50k | $2,558 |
| 60 monthsJunior | — | 4.76% | — | —4.76% from $25k | — |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 4.66%APY · 8 terms
Advancial membership required ($5 minimum membership share deposit). Available for Traditional and Roth IRAs. Subject to early withdrawal penalties and IRS tax penalties.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.45% | — | 2.65% | 2.45%2.65% from $50k | $61 |
| 3 monthsJunior | — | 2.55% | — | —2.55% from $25k | — |
| 6 months | 2.68% | — | 2.89% | 2.68%2.89% from $50k | $133 |
| 6 monthsJunior | — | 2.78% | — | —2.78% from $25k | — |
| 12 months | 2.96% | — | 3.17% | 2.96%3.17% from $50k | $296 |
| 12 monthsJunior | — | 3.06% | — | —3.06% from $25k | — |
| 18 months | 3.29% | — | 3.49% | 3.29%3.49% from $50k | $498 |
| 18 monthsJunior | — | 3.39% | — | —3.39% from $25k | — |
| 24 months | 3.68% | — | 3.89% | 3.68%3.89% from $50k | $750 |
| 24 monthsJunior | — | 3.78% | — | —3.78% from $25k | — |
| 36 months | 4.03% | — | 4.24% | 4.03%4.24% from $50k | $1,258 |
| 36 monthsJunior | — | 4.14% | — | —4.14% from $25k | — |
| 48 months | 4.26% | — | 4.47% | 4.26%4.47% from $50k | $1,816 |
| 48 monthsJunior | — | 4.36% | — | —4.36% from $25k | — |
| 60 months | 4.66% | — | 4.87% | 4.66%4.87% from $50k | $2,558 |
| 60 monthsJunior | — | 4.76% | — | —4.76% from $25k | — |
Sources (3)
- advancial.org/certificates-investments/iras
- advancial.org/certificates-inv…nts/savings-certificates
- advancial.org/rates
All captured Oct 6, 2026
Dinero Teens® Starter Certificate
2.96%APY · 1 term
Must meet age requirements (between the ages of 13 and 18). Advancial membership required ($5 minimum membership share deposit).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.96% | $296 |
Sources (2)
All captured Oct 6, 2026
Money Musketeers® Starter Certificate
2.96%APY · 1 term
Must meet age requirements (children 12 and under). Advancial membership required ($5 minimum membership share deposit).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.96% | $296 |
Sources (2)
All captured Oct 6, 2026
Who can join Advancial 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
- Individuals who live, work, worship, or attend school in served member communities in Louisiana, North Carolina, or South Carolina are eligible for membership.
Employers and groups
- Employees or members of Advancial Select Employer Groups or Associations are eligible for membership.
Family and household
- Immediate family members and household members of individuals eligible through a Select Employer Group or Association are eligible to join.
Cost to join
- Membership requires maintaining a minimum savings balance of $5.
Membership information collected October 5, 2026.