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START FINANCIAL PROGRAM

Accounts and learning for teens, young adults, and members new to loans

Get a head start on your financial life

Start Financial Program logoOpen your first checking, savings, or loan with Advantis. We’ll help you get off to a great start! Our Start Financial Program offers special accounts, learning, and advice for teens, young adults, and members new to loans.

If you’re under 18 years old: We welcome you to open any Start account or loan, as long as a parent or guardian becomes a joint owner on your account. Parents will have access to monitor and help manage their child’s account and transfer funds to them through online and mobile banking.
 
 
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Start smart with the right checking, savings, and loan accounts

Accounts and loans that include special perks, excellent rates, and flexible terms, designed for members who are new to banking and loans.

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Get smart advice, anytime

Reach out to an Advantis Member Advisor in-branch, by phone, or through secure email in the Advantis Mobile App anytime.
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Boost your money smarts

After you open any account, we’ll email you short videos that will teach you all the basics when it comes to your finances.

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Bank from your phone, 24/7

Logon 24/7, to access your accounts through the Advantis Mobile App.
 
 
 
 
 
 
 

Start accounts & loans

For members new to banking and loans – with special perks, excellent rates, and flexible terms.
 
 
 

Start Savings Account

  • For members age 14 to 22
  • FREE – no monthly fee
  • Advantis pays you 1.00% APY**
    (on balances up to $500)
  • No requirements
Start Savings details
 

Start Checking Account

  • For members age 14 to 22
  • FREE – no monthly fee
  • Pays you unlimited cash back on debit card purchases of $3.00 or more!*
  • No long list of requirements – just sign up for eStatements

Start Checking details

Start Credit Card Program

  • For members who want to start building their credit score
  • No annual fee^
  • Low interest rates
  • Flexible terms for members new to credit
  • Credit limit from $250 to $2,500, based on borrower(s) qualifications
start credit card details
 

Start Auto Loan

  • Flexible terms for first-time auto buyers
  • Low, fixed interest rates
  • Buy a new or used car up to $25,000
Start Auto Loan details

Start Personal Loan

  • Use this loan for whatever you need
  • Flexible terms for members new to loans
  • Loan amounts up to $3,000
  • Low, fixed interest rates
Start Personal loan details
 
 

Boost your money smarts with free online learning

After you open any account or loan that’s part of the Start Financial Program, we’ll email you short videos that will teach you all the basics when it comes to your finances. Here’s just a few (below) so you can get an idea of what’s coming your way.

 
 
 
Click below to check out a sample of the videos that’ll be emailed to you:
Banking Basics learning module
 
Managing Your Credit Card learning module
Managing Your Checking Account learning module
 
Managing Your Credit Score learning module
Understanding and Avoiding Overdrafts learning module
 
Identity Theft: Protect Yourself learning module
 


Want to keep learning now?  Watch more videos:

Financial Education Center

 

Bank from your phone – anywhere, anytime

Manage & move your money in just a few taps with the Advantis Mobile App
  • It’s like a branch in your pocket
  • Check your balance and transfer money in seconds
  • Deposit your checks from your phone, anytime
  • Setup account alerts
  • Use Apple Pay®, Samsung Pay®, Google Pay™ with your debit card
  • Parents: As a joint account owner, you’ll have access to monitor and
    help manage your child’s account and transfer funds to them

Learn more about online and mobile banking:

online & mobile banking

Mobile app on a mobile phone
 
 
 
 
 
 

It’s easy to open any Start account or loan!

First, a couple simple questions:
 

Are you 18 years old (or older)?

You have several easy options to open a new Start account or loan:

Are you under 18 years old?

Great! We’re so happy you’re getting a head start on your financial life. Because a parent or guardian must be a joint owner on your Start account or loan, please choose one of the following options:

  • Visit any Advantis branch with your parent or guardian
  • Send us a secure email inside Online Banking
  • Call us at 503-785-2528 (Monday – Friday, 8am – 6pm)
 
 
 
 
 
*Minimum amount to open a Start Checking is $25. To earn cash back you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Start Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. For purposes of the Start Checking account, the account cycle runs from the first day of the month to the last day of the month. Your cashback will be posted to your Start Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your account. You must be between the ages of 14 to 22 years old in order to qualify for the Start Checking account. On the first day of the month following your 23rd birthday, your Start Checking account will convert to a Cashback Checking account. **APY = Annual Percentage Yield. Rates are accurate as of 07/17/2019. Balances over $500 earn 0.15% APY. The APY may change after account opening. Minimum amount to open a Start Savings is $5. You must be between the ages of 14 to 22 years old in order to qualify for the Start Savings account. Only one Start Savings account per member and member number (membership). No Primary member can have two Start Savings accounts (they can be joint on another account that has a different primary member.) For Start Savings accounts, on the first day of the month following your 23rd birthday, your account will convert to a Regular Savings account. ^All rates and terms are accurate as of 04/16/2019, Contact us for updated rate information. Annual Percentage Rate (APR) ranges for Start Credit Card Program is 8.90% to 17.90%. Your rate will be based on your credit qualifications. All loans are subject to underwriting approval. APRs may change after account opening at the discretion of the credit union. Foreign currency conversion fee of up to 1.00% may apply. †Subject to credit approval. Finance up to 100% of MSRP/Kelley Blue Book. Collateral mileage must be less than 100k. Annual Percentage Rate (APR), loan term, and LTV will be based on credit qualifications, loan amount and collateral. ‡Start Personal loans are subject to credit approval.
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