SAVINGS ACCOUNTS THAT WORK FOR YOU

Your goals are waiting—get to them

Savings Accounts

Savings Account Options

Certificates of Deposit | Money Markets | Individual Retirement Accounts | Regular, Youth and Holiday Savings

Let’s start with the perks.

Advantis Savings Accounts Include:

30,000 surchange-free ATMs

No Monthly Fee

Mobile Deposit

We’ve got the savings account you need

Your money works harder at Advantis. Our savings accounts help you reach your goals.

Certificates of Deposit

Advantis CDs offer higher rates than most other types of savings accounts. Set aside some of your funds for a specified term and watch them grow. The longer the term, the more you earn!

FREE - No monthly fee, no matter what
Choose a term that works for you – from 6 to 60 months
The more you invest, the more you earn with tiered interest rates
Safety and security – enjoy a fixed savings rate, and the peace of mind that your funds are federally insured by the NCUA
Big balances not required - start earning with as little as $500
See current rates

CD Details

Call us at 503-785-2528 or visit any branch to open a CD.

Money Market Accounts

Earn a market-leading rate – plus enjoy instant access to your funds through Online and Mobile Banking, Mobile Deposit, or in-branch.

FREE - No monthly fee, no matter what
Earn a higher rate than other accounts and keep instant access to your money
Earn more as you reach certain balance thresholds with tiered interest rates
Safety and security – enjoy an excellent rate, and the peace of mind that your funds are federally insured by the NCUA
See current rates

Money Market Details Open Online

Individual Retirement Accounts (IRAs)

Choose a smarter way to save for your retirement with an Advantis IRA. Earn great rates and keep more of your hard-earned dollars with special tax advantages.

FREE - No monthly fee, no matter what
Maximize your retirement nest egg with special tax advantages, plus additional tax savings (depending on type of IRA)
Earnings grow tax-deferred until withdrawn
Safety and security – enjoy an excellent rate, and the peace of mind that your funds are federally insured by the NCUA
See current rates

IRA Details Open Online

Regular, Youth, and Holiday Savings

Regular Savings Account
As a member (or future member) of Advantis, your regular (share) savings account represents your ownership of our cooperative credit union! It also helps you save with great rates and no monthly fee.

FREE - No monthly fee, no matter what
A regular (share) savings account comes standard with every Advantis membership – put it to good use!
Earn more as you reach certain balance thresholds with tiered interest rates
Enjoy 24/7 access to your account with over 30,000 surcharge-free CO-OP network ATMs, Online and Mobile Banking, Mobile Deposit, and in-branch
Use account for overdraft protection
See current rates

Youth Savings Account
Advantis awards young members for saving by paying great rates and charging no monthly maintenance fee. Our Youth Savings Account gives your kids an introduction to the basics of money management.
See current rates

Holiday and Tax Savings Account
We make it easy to save money for the holidays or your year-end tax payment. Make deposits anytime throughout the year, and each November, we'll transfer the full balance with interest (less the $0.01 required to keep the account open) into your Advantis checking account.
See current rates

Savings Details Open Online

Other Savings Options

Deferred Compensation & 457(B) Accounts

If you’re an employee of a participating government employer, you can take advantage of a deferred compensation/457(B) account – an ideal supplement to your pension or Social Security benefits.

Learn more

Want to compare accounts side-by-side?

You can do that here!

	Certificates of Deposit	Money Market	IRA	Savings
Earn Interest	Fixed Rate	Tiered Rates	Tiered Rates	Tiered Rates
Minimum Balance Requirement	None	None	None	None
Opening Deposit	$500	$2,500	$5	$5
Overdraft Protection	N/A	Available	N/A	Available
Tax Deferred	N/A	N/A	N/A	N/A
24/7 Access to Funds	N/A	Yes!	N/A	Yes!
Monthly Service Fee	Free	Free	Free	Free
Perfect for those who:	Can set aside $500 minimum for a fixed term. You can lock in a fixed rate on your funds!	Can start with a $2,500 deposit and grow their balance to earn higher rates.	Carry any balance and want an interest-bearing account with tiered rates and full tax advantages.	Carry any balance and want a simple interest-bearing checking account with no frills – just a rate that increases as your balance grows.

Savings Account Rates

See how our personal savings accounts pay you very competitive rates:

Savings Accounts

	Tier	APY*¹
Regular Savings	$0-$499	0.00%
	$500-$2,499	0.05%
	$2,500-$9,999	0.10%
	$10,000 or more	0.15%
Holiday and Tax Account	$0-$499	0.00%
	$500-$2,499	0.05%
	$2,500-$9,999	0.10%
	$10,000 or more	0.15%
Youth Account	n/a	0.15%

¹The APY may change after account opening. Minimum amount to open a Savings, Youth Savings or Holiday and Tax Account is $5. Transaction restrictions apply.

457 (b) Accounts

Tier	APY*¹
$0-$2,500	2.75%
$2,500-$49,999	2.75%
$50,000 - $149,999	2.80%
$150,000-$249,999	2.85%
$250,000 or more	2.90%

¹Applicable balance tier is determined on an individual account basis.
²The APY may change after account opening. Contribution limits apply. See your plan sponsor for more information.

Bump Certificates

Term	Tier	APY*¹
13 Month Bump	$2,500-$49,999	0.20%
	$25,000 - $49,999	0.30%
	$50,000-$49,999	0.35%
	$100,000 or more	0.40%

¹For 13-month bump rate certificates, you may increase your rate once during the certificate term to a rate currently in effect for our standard 12-month certificates. There may be a penalty for early withdrawal. For IRA certificates, there is a plan closure fee which may reduce earnings.

CDs

Term	Tier	APY*¹
Standard/IRA
6 months	$500 - $24,999	0.20%
	$25,000 - $49,999	0.25%
	$50,000 - $99,999	0.30%
	$100,000 or more	0.35%
12 Months	$500 - $24,999	0.30%
	$25,000 - $49,999	0.35%
	$50,000 - $99,999	0.40%
	$100,000 or more	0.45%
24 Month	$500 - $24,999	0.85%
	$25,000 - $49,999	0.90%
	$50,000 - $99,999	0.95%
	$100,000 or more	1.00%
36 Month	$500 - $24,999	1.35%
	$25,000 - $49,999	1.40%
	$50,000 - $99,999	1.45%
	$100,000 or more	1.50%
48 Month	$500 - $24,999	1.60%
	$25,000 - $49,999	1.65%
	$50,000 - $99,999	1.70%
	$100,000 or more	1.75%
60 Months	$500 - $24,999	1.70%
	$25,000 - $49,999	1.80%
	$50,000 - $99,999	1.90%
	$100,000 or more	2.00%

¹For all certificates, there may be a penalty for early withdrawal. For IRA certificates, there is a plan closure fee which may reduce earnings.

Health Savings Account Certificates¹

Tier	APY*¹
6 Months	0.20%
12 Months	0.35%
24 or 36 Months	0.55%

¹Minimum amount to open an HSA Certificate account is $500. There is a service fee if a minimum balance is not maintained in the plan. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information. There may be a penalty for early withdrawal.

IRAs

	Tier	APY*¹
IRA Savings	$0 - $2,499	0.05%
	$2,500 - $24,999	0.10%
	$25,000 - $49,999	0.20%
	$50,000 or more	0.30%
Premium IRA Savings	$0 - $2,499	0.00%
	$2,500 - $24,999	0.05%
	$25,000 - $49,999	0.60%
	$50,000 or more	0.80%

¹The APY may change after account opening. Minimum amount to open an IRA Savings or a Premium IRA Savings Account is $5. Transaction restrictions apply. IRA Plan closure fee may reduce earnings.

Money Market

	Tier	APY*¹
IRA Savings	$0 - $2,499	0.00%
	$2,500 - $24,999	0.10%
	$25,000 - $49,999	0.20%
	$50,000 or more	0.30%
Premium IRA Savings	Under $2,500	0.00%
	$2,500 - $24,999	0.05%
	$25,000 - $49,999	0.10%
	$50,000 - $99,999	0.20%
	$100,000 - $249,999	0.40%
	$250,000 or more	0.55%

¹The APY may change after account opening. Minimum amount to open a Money Market account is $2,500. Minimum amount to open a Premium Money Market account is $50,000. Transaction Limitations apply.

Banks are for-profit. Advantis Credit Union is for you.

Our saving accounts get you closer to your goals, because we’ve got your back.

Advantis is a not-for-profit financial cooperative, locally owned by our members. Which means instead of giving our earnings to corporate stockholders like banks do, we return them to our members in the form of better rates, more free services, and unlimited cashback on their checking.

Learn about our cooperative difference

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