Credit union · NCUA insured
Advia Credit Union CD Rates
Advia Credit Union’s best CD rate is 1.90% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Advia Credit Union’s CD rates compare
Compared with banks and credit unions near Kalamazoo, MI, where Advia Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advia Credit Union
4.61%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $422
Regular CD
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $591
3rd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $183
Advia Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo1.75%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.61%
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 Advia 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.
Regular CD
Up to 4.61%APY · 10 terms
Dividends compounded and paid monthly. Early withdrawal penalties may apply. Requires membership in Advia Credit Union.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBase rate without Advantage Plus Rewards | 1.30% | $32 |
| 3 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new CDs for the full term | 1.55% | $39 |
| 6 monthsBase rate without Advantage Plus Rewards | 1.50% | $75 |
| 6 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new CDs for the full term | 1.75% | $87 |
| 7 months7-Month Promo CD base rate without Advantage Plus Rewards. Reverts to non-promotional 6-month term upon maturity | 4.25% | $246 |
| 7 months7-Month Promo CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 6-month term upon maturity | 4.51% | $261 |
| 11 months11-Month Promo CD base rate without Advantage Plus Rewards. Reverts to non-promotional 12-month term upon maturity | 4.35% | $398 |
| 11 months11-Month Promo CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 12-month term upon maturity | 4.61% | $422 |
| 12 monthsBase rate without Advantage Plus Rewards | 1.75% | $175 |
| 12 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new CDs for the full term | 2.00% | $200 |
| 21 months21-Month Promo CD base rate without Advantage Plus Rewards. Reverts to non-promotional 24-month term upon maturity | 4.00% | $710 |
| 21 months21-Month Promo CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 24-month term upon maturity | 4.26% | $757 |
| 24 monthsBase rate without Advantage Plus Rewards | 2.00% | $404 |
| 24 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new CDs for the full term | 2.25% | $455 |
| 36 monthsBase rate without Advantage Plus Rewards | 2.50% | $769 |
| 36 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new CDs for the full term | 2.75% | $848 |
| 48 monthsBase rate without Advantage Plus Rewards | 2.75% | $1,146 |
| 48 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new CDs for the full term | 3.01% | $1,259 |
| 60 monthsBase rate without Advantage Plus Rewards | 2.75% | $1,453 |
| 60 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new CDs for the full term | 3.01% | $1,598 |
EZ-Saver CD
Up to 1.90%APY · 3 terms
Add-on CD allowing unlimited deposits throughout the term. Dividends are compounded and paid monthly. Advantage Plus Rewards incentive may not be applied. Fees may reduce earnings. Requires membership in Advia Credit Union.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsUnlimited deposits permitted during term | 1.40% | $70 |
| 12 monthsUnlimited deposits permitted during term | 1.65% | $165 |
| 24 monthsUnlimited deposits permitted during term | 1.90% | $384 |
Special-purpose accounts
IRA CD
Up to 4.51%APY · 9 terms
Available as Traditional IRA CD or Roth IRA CD. Dividends compounded and paid monthly. Early withdrawal penalties may apply. Requires membership in Advia Credit Union.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBase rate without Advantage Plus Rewards. Applies to Traditional and Roth IRA CDs | 1.30% | $32 |
| 3 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new IRA CDs for the full term. Applies to Traditional and Roth IRA CDs | 1.55% | $39 |
| 6 monthsBase rate without Advantage Plus Rewards. Applies to Traditional and Roth IRA CDs | 1.50% | $75 |
| 6 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new IRA CDs for the full term. Applies to Traditional and Roth IRA CDs | 1.75% | $87 |
| 7 months7-Month Promo IRA CD base rate without Advantage Plus Rewards. Reverts to non-promotional 6-month term upon maturity. Applies to Traditional and Roth IRA CDs | 4.25% | $246 |
| 7 months7-Month Promo IRA CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 6-month term upon maturity. Applies to Traditional and Roth IRA CDs | 4.51% | $261 |
| 12 monthsBase rate without Advantage Plus Rewards. Applies to Traditional and Roth IRA CDs | 1.75% | $175 |
| 12 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new IRA CDs for the full term. Applies to Traditional and Roth IRA CDs | 2.00% | $200 |
| 21 months21-Month Promo IRA CD base rate without Advantage Plus Rewards. Reverts to non-promotional 24-month term upon maturity. Applies to Traditional and Roth IRA CDs | 4.00% | $710 |
| 21 months21-Month Promo IRA CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 24-month term upon maturity. Applies to Traditional and Roth IRA CDs | 4.26% | $757 |
| 24 monthsBase rate without Advantage Plus Rewards. Applies to Traditional and Roth IRA CDs | 2.00% | $404 |
| 24 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new IRA CDs for the full term. Applies to Traditional and Roth IRA CDs | 2.25% | $455 |
| 36 monthsBase rate without Advantage Plus Rewards. Applies to Traditional and Roth IRA CDs | 2.50% | $769 |
| 36 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new IRA CDs for the full term. Applies to Traditional and Roth IRA CDs | 2.75% | $848 |
| 48 monthsBase rate without Advantage Plus Rewards. Applies to Traditional and Roth IRA CDs | 2.75% | $1,146 |
| 48 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new IRA CDs for the full term. Applies to Traditional and Roth IRA CDs | 3.01% | $1,259 |
| 60 monthsBase rate without Advantage Plus Rewards. Applies to Traditional and Roth IRA CDs | 2.75% | $1,453 |
| 60 monthsIncludes 0.25% APR Advantage Plus Rewards rate premium on new IRA CDs for the full term. Applies to Traditional and Roth IRA CDs | 3.01% | $1,598 |
Who can join Advia Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.