Father and daughter in the kitchen

$100 GIFT FOR NEW MEMBERS

How the Offer Works

The power of three

$100 bonus graphicBoost your Advantis membership by opening a consumer or business checking account along with any loan or other account (Consumer credit card, consumer or business money market savings, consumer or business CD, Consumer IRA Savings, HSA Certificates, Holiday & Tax Savings account, Deferred Comp & 457 (B) account, My First Home Savings, any type of Consumer or Commercial loan, or any type of mortgage) within six months of membership opening. And that’s it. Easy peasy, enjoy your $100*.



Everything (and we mean everything!) you need to know

 


*$100 New Member Offer may be discontinued at any time without notice. Offer only valid for new Advantis Credit Union members (i.e. Individuals without an Advantis membership in the previous 6 months) and must be 18 years of age or older. To qualify for bonus, open a regular or business savings account and be designated as the primary owner/signer on the qualifying consumer or business checking account and any “additional account” including; consumer or business Certificates of Deposit, consumer or business Money Market, Consumer IRA Savings, HSA Certificates, Holiday & Tax Savings account, Deferred Comp & 457(B) account, My First Home Savings or any type of Consumer or Commercial loan, or any type of consumer credit card or mortgage (Opening a second checking does not qualify as an additional account). $100 bonus will be treated as interest for tax reporting purposes. The account and qualifying products must be opened within 6 months after opening of the membership. Limit one $100 bonus per primary Tax Identification Number. As of 11/01/2020, bonus will be paid within 60 days after the third qualifying account is opened during the qualification period, not 15 business days as previously disclosed.

ALL RATES ARE EFFECTIVE AS OF APRIL 1, 2021 AND ARE SUBJECT TO CHANGE.

Annual Percentage Yield (APY) and minimum balance requirements for sample qualifying accounts are as follows. Regular Savings: minimum opening balance $5. APY: balances up to $499 = 0.00%; balances of $500 - $2,499 = 0.05%; balances of $2,500 - $9,999 = 0.05%; balances of $10,000 or more = 0.05%; Start Savings: minimum opening balance $5. APY balances up to $500 = 1.00%; balances $501 or more = 0.05%; Holiday and Tax Savings: minimum opening balance $5. APY: balances up to $499 = 0.00%; balances of $500 - $2,499 = 0.05%; balances of $2,500 - $9,999 = 0.05%; balances of $10,000 or more = 0.05%. 457(b) Account: Applicable balance tier is determined on an individual account basis. APY balances up to $24,999 = 0.05%; balances of $25,000 - $49,999 = 0.15%; balances of $50,000 - $99,999 = 0.20%; balances of $100,000 or more = 0.20%; APY may change after account opening. Contribution limits apply. See your plan sponsor for more information. My First Home – Savings: minimum opening balance $5. APY: balances up to $500 = 1.00%; balances over $500 earn 0.05%. High Growth Money Market: minimum opening balance $2,500. APY: balances of $2,500 - $24,999 = 0.05%; balances of $25,000 - $99,999 = 0.10%; balances of $100,000 - $249,999 = 0.10%; balances of $250,000 or more = 0.15%; High Growth IRA: APY: balances up to $24,999 = 0.05%; balances of $25,000 - $49,999 = 0.15%; balances of $50,000 - $99,999 = 0.20%; balances of $100,000 or more = 0.20%. Transaction restrictions apply. IRA Plan closure fee may reduce earnings; APY may change after account opening without notice. Minimum amount to open an IRA Savings or a Premium IRA Savings account is $5. High-Growth CD: minimum opening balance $500. APY: 6-month term = 0.10%. CDs earn between 0.10% and 0.55% APY depending on amount of deposit and term of account. 18 Month Bump Certificate: minimum opening balance $2,500. APY: balances $2,500 - $49,999 = 0.10%; balances $50,000 - $99,999 = 0.20%; balances $100,000 or more = 0.25%. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. Health Savings Account Certificates: minimum opening balance $500. APY: 6-month term = 0.10%. Health Savings Account Certificates earn between 0.10% and 0.45% APY depending on amount of deposit and term of account. 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. Rates are subject to change without notice. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. Fusion Checking Minimum opening balance $25. APY: balances $0.01 - $25,000 = 0.90%; balances $25,001 or more = 0.20% when requirements are met.


**To earn Fusion rates, you must satisfy the following requirements during the monthly requirement cycle: Have at least 12 debit transactions post and clear; Have at least one automatic payment or direct deposit post and clear; Receive statements electronically and Log in to online banking at least once. Requirement cycles begin the last calendar day of the month and end the next to last calendar day of the month (at close of business on a Monday through Saturday and 5:00 pm on a Sunday). To ensure you receive the highest interest rate tier, all Fusion requirements must be met within the disclosed requirement cycle. ATM transactions do not count toward the 12 debit transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.10% APY and ATM fees will not be refunded. Cash Back minimum opening balance: $25. Start Checking Account minimum opening balance: $25.


***Under Cashback Checking and Start Checking accounts, 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 Cashback Checking or 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 Cashback Checking and Start Checking accounts, 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 Cashback Checking or 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 Cashback Checking or Start Checking account. You must be between the ages of 14 to 22 years old in order to qualify for the Start Checking or Savings accounts. For Start Checking accounts, on the first day of the month following your 23rd birthday, your account with convert to a Cashback Checking account. For Start Savings accounts, on the first day of the month following your 23rd birthday, your account will convert to a Regular Savings account. Interest checking minimum opening balance: $25. APY: balances of $0.01 - $2,499 = 0.05%; balances of $2,500 - $24,999 = 0.05%; balances of $25,000 - $49,999 = 0.05%; balances of $50,000 or more = 0.10%.

 

Business Savings: minimum opening balance $5. APY: balances up to $499 = 0.00%; balances of $500 - $2,499 = 0.05%; balances of $2,500 - $9,999 = 0.05%; balances of $10,000 or more = 0.05%; Business Money Market: minimum opening balance $2,500. APY: balances up to $2,499 = 0.00%; balances of $2,500 - $24,999 = 0.05%; balances of $25,000 - $99,999 = 0.10%; balances of $100,000 - $249,999 = 0.10%; balances of $250,000 or more = 0.15%; Business Premium Money Market: minimum opening balance $50,000. APY: balances up to $2,499 = 0.00%; balances of $2,500 - $24,999= 0.05%; balances $25,000 - $99,999 = 0.10%; balances of $100,000 - $249,999 = 0.10%; balances of $250,000 or more = 0.15%; Business Solutions Checking: minimum opening balance: $100. APY: balances up to $2,499 = 0.05%; balances of $2,500 - $24,999 = 0.05%; balances of $25,000 - $49,999 = 0.05%; balances of $50,000 or more = 0.10%; Business CDs: minimum opening balance $500. APY: 6-month term = 0.10%. CDs earn between 0.10% and 0.55% APY depending on amount of deposit and term of account. 18 Month Bump Certificate: minimum opening balance $2,500. APY: balances $2,500 - $49,999 = 0.10%; balances $50,000 - $99,999 = 0.20%; balances $100,000 or more = 0.25%. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings.


 


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